vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.

Complaint narrative:
We are a XXXX  mystery shopping company that seem to be the victim of phishing. 
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm. 
They are being contacted thru email and we already got the domain name blocked by the domain provider. 
And have send out a warning mail to all US shoppers signed up with us. 

Attached you will find one of the checks the shoppers received and the letter that was send with it. 
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX. 
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the 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 explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite several attempts to have XXXX XXXX remove inaccurate information listed below from my credit report they still remain in violation of the far credit reporting act.

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite several attempts to have Wells XXXX remove inaccurate information listed below from my credit report it still remain in violation of the far credit reporting act.

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 2018-03-13 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: Credit Technology, Inc.
State: FL

Complaint narrative:
Massive data breach of social security numbers in recent years. I am disputing the XX/XX/2016 hard inquiry, performed by XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, CA XXXX. I truly believe that this inquiry was fraudulent in nature and done without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to this.

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 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2018 I sent a debt validation letter to XXXX XXXX XXXX. They responded saying that the debt has been " verified '' and provided copies of a billing statement. That is not sufficient validation of me owing XXXX XXXX any debt. 

I requested that XXXX  validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They only provided me with a billing statement which does not prove that I am obligated to pay them anything. They have reported delinquent information to all three credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
Experiencing massive amount of insurance, credit card, health insurance phone calls. I truly believe that my social security number was compromised and that someone tried to establish credit through fraudulent means.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
Since the latest large scale credit fraud breach, my credit report is filled with multiple credit inquiries that I have no knowledge of and I truly believe the inquiries are of a fraudulent nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/XXXX Complaint against : Capital One Auto Finance Account number : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX IN XXXX To Whom It XXXX Concern : Capital One Auto Finance called me daily for a month, I kept telling them my husband lost his job and we could not pay. Finally when we got behind I asked for lower payments. 
Capital One offered an extension to the loan for two payments, two payments would be put on the end of the loan. 
They called it an extension, but really its a forbearance agreement. 
We have great credit, I want to make sure we keep our credit clean as we are already back on track with our finances after a few months of hardship. 
I was clear and asked very pointedly if our credit would be affected, Capital One said no it would not be affected negatively because I made this agreement with them. 
To my horror Capital One put a 30 day late on my credit. 
I called Capital One on XX/XX/XXXX and then on XX/XX/XXXX ( the department was closed on Sunday ) to discuss two things : 1. I have not received via email or mail the forbearance agreement/extension agreement. 
2. I have called multiple times as this agreement has to be faxed back by the XXXX I am told. 
3. The 30 day late needs to be removed as I was told if I did the agreement my credit would be safe and Capital One would not give any negative marks. 
When I called on XX/XX/XXXX I spoke to XXXX who said that I am still behind. How can that be? I asked he said because you still owe a payment. I said but the last two payments from XXXX and XXXX are at the end of the loan, so I owe XXXX? He said, no you are behind. 
This is not acceptable. You can not have it both ways where you put payments at the end of a loan and also hit my credit for being late! 
Also, I still have not received the email or anything via mail with my agreement attached/sent. This is very scary as I am told the agreement will be voided if I dont send that information in! 
And they are debiting my account a payment on the XXXX, I was told it had to be by the XXXX in order for me to keep my credit from being harmed. I am not sure why the XXXX as that is not my due date each month. 
Please assist and thank you in advance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
I have been a victim of identity theft. Midwest Recovery Systems has reported an account on my credit reports that do not belong to me for the amount of {$190.00}. This does not belong to me. I was never contacted by this company about this and I have no knowledge of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I filed a complaint with you guys ( Consumer Financial Protection Bureau ) regarding PMAB and their continuous actions regarding unverified medical collections that they continue to place on my credit reports. On XX/XX/XXXX XXXX XXXX responded and stated that they are still working on the issue. He also stated that he saw that I had medical insurance and is now reaching out to their client. Well on XX/XX/XXXX PMAB has placed yet another collection on my reports in the amount of XXXX. PMAB has yet to clear up the discrepancies from my former complaint on XX/XX/XXXX. This company is ruining my credit and my character by placing these unverified medical debts on my credit reports. Their practice is outside the scope of the FCPCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Credit Plus Inc
State: FL

Complaint narrative:
National data breaches compromised my credit. Someone tried to establish a line of credit through fraudulent means and without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: FACTUAL DATA CORP.
State: FL

Complaint narrative:
Someone fraudulently used my credit to establish a line of credit. Experiencing multiple offers of insurance, health insurance, and credit card applications unwarranted via email and cellphone due to the latest massive credit breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have contacted Experian about an alleged Bankruptcy on my profile. I submitted PROOF that the Courthouse is NOT the one who is REPORTING the BK, as well as PROOF that XXXX REMOVED it due to unable to verify. XXXX verified to me that they received their information from Experian as well as Experian verified they received their information from XXXX. Experian is LIEING AND REPORTING INACCURATE INFORMATION. This against the LAW! I have PROOF they are breaking the law and lieing.

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 2018-03-13 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: TN

Complaint narrative:
Portfolio Recovery Associates bought my account from XXXXXXXX XXXX and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My account was under review the XX/XX/XXXX for quite some time. I had no access to anything. My wife was stuck without any money for a long period of time. I am currently training on my way to XXXX. So this caused a huge problem. The open my account. So i could have full access then later I did not. They opened then it would close again. Then on XX/XX/XXXX I was told that my accounts will be closed. I received no reasoning why or warning.I have not done anything but be patient with my bank. This has come at the worst time ever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
RE : Information Request Mortgage Loan Number : XXXX My loan is Serviced by Select Portfolio Servicing. 

I have been doing much research on the The XXXX XXXX held XXXX XXXX XXXXXXXX XXXX XXXX Mortgage Backed Notes that I am told my mortgage is entrusted to. I can not seem to find any information on this Trust past XXXX. 
I have spoken with XXXX XXXX, Vice President l Team Leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and he was unable to answer my enquiry other than telling me I should talk with someone at XXXX XXXX, who he says in managing the Trust. 
I have had no success in tracking down any information through XXXX XXXX on this Trust through many attempts made. 
I have also made a request to Select Portfolio Servicing to supply me with the latest financial report for the The XXXX Bank held XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes and so far have been denied. 
So now I am dealing with 3 entities to find out information on my one Mortgage note that seems to be lost in oblivion. Two of these entities have been charged and found guilty as well as paying out settlements for various fraud involving mortgage trusts as well as banking fraud. That being XXXX XXXX and XXXX XXXX. This worries me. 
What also worries me is that Select Portfolio Servicing, who services my mortgage for XXXX XXXX, is also involved in many lawsuits as far as collection issues and fraud. Even the bank that owns Select Portfolio Servicing has just been recently hit with a 5.28 Billion Dollar settlement for its hand in mortgage securities fraud. This should worry everyone involved with these financial entities. 
So out of concern for my finances I simply ask Show me the end of XXXX financial report for the XXXX XXXX XXXX XXXX XXXX. To me right now all its just a name youre throwing out there. Show me something real about it, show me it exists as of XX/XX/XXXX. 
I have a pending payment plan with Select Portfolio Servicing. I have until XX/XX/XXXX to get all my information into them for approval of said Payment plan. I have been threatened with Foreclosure multiple times and am just looking for a piece of mind to know exactly where my money is going. 
Unfortunately, I am stuck dealing with Banks and Collection companies, whatever Select Portfolio is, who have been proven to be untrustworthy and have been found guilty of fraud in the past and present time so I need to protect myself and my family and my home. 
If you need to contact me to discuss this request, I can be reached at XXXX Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX and I purchased a XXXX XXXX from XXXX. The car was a defective car from the beginning. I continued to pay my car payments and also I paid for REPAIRS to the car. The car was under a RECALL/ CUSTOMER SATISFACTION and I was told to bring the car in, this is after I had paid for repairs to be done on the car. I had the first part of my repairs completed and was told to drive the car for 1,000 miles then come back. upon returning to get the other part of the repairs done I was told that I was over the limit of miles! XXXX was refusing to fix the car, foot costs for repairs. The internet was becoming OVERWHELMED with situations dealing with the XXXX XXXX. 
I VOLUNTARILY gave this car back to XXXX because in XXXX there is NO WAY I could continue to drive a car that didn't pick up speed, that would stall in the middle of 6 lane high speed traffic. It was a death trap. I am apart of the class action lawsuit against XXXX and I would like this account to be REMOVED from my credit report. For this car to be causing creditors to second guess my ability or willingness to pay is NOT FAIR! This car was found to be defective. MANY people have filed suits. I would like this account on my credit reports ( ALL THREE BUREAUS ) to be REMOVED! I have paid over {$3000.00} in repairs in which I am pursuing the courts to get reimbursed.

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 2018-03-13 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I used convenience checks on my Barclay MasterCard for home improvements I did in XX/XX/XXXX. One was for the amount of XXXX. On the following statement charge appeared twice. See attached XXXX statement. Contacted recipient who confirmed he received only the XXXX amount so the problem was with Barclay. Spoke with XXXX ( no last name ) in XX/XX/XXXX and given case number XXXX. Then on XX/XX/XXXX spoke with XXXX who confirmed it was an erroneous duplicate charge and assured me it would be resolved. 
The charge was then reversed on my XX/XX/XXXX statement but then was RECHARGED on my XX/XX/XXXX statement, inexplicably. 
I have since contacted them twice, on XX/XX/XXXX and spoke with XXXX XXXX identified as XXXX ) who verbally acknowledged this additional error and assured me it would be reversed, this did not happen. 
Called again on XX/XX/XXXX and spoke with XXXX ( XXXX ) with no action taken. In each instance I have called I have been mailed a letter saying we are unable to help you at this time. 
I hope you can help me. This has caused me severe emotional distress and I feel I am being intentionally ignored and feel completely defrauded and victimized by this horrible 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 explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Due to the latest massive credit breach, someone, through fraudulent means tried to establish a line of credit using my information. the day was XXXX XXXX.

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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX bought my account from HSBC Bank and I reached an agreement with them and paid the account. They refuse to take the account out of collections on my credit report and it is the only collections account I have and it keeps getting me denied credit even though the account is paid. I have sent letters, called and emailed them to please just remove it from my credit report as a collections account. They can leave it as a closed account but not as an active collections account but they refuse. I want this account removed from my credit report as a collection account. How can it be a collection account with it marked paid and a {$0.00} balance. It should not be listed as a collection account just a closed account. Please help me with this.

Company response to consumer: Closed with explanation