vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital One bank purchased as a debt buyer an XXXX account XXXX which was already in default but agreed by XXXX not to be my debt due to Identity Theft. Unfortunately in 2013 Capital One took the position that they acquired this account and started a brand new collection action. I have notified Capital One within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclay 's bank has on a continuous basis called me when I have requested them to send statements and they have not. They call before XXXX and when I make a payment over the phone, it does not get recorded and they call again the next day. I have on several occasions told them not to call me after XXXX which they continued to do. Also I am never late on payments but they don't record automated payments timely and then mark me late on my credit report. For example I called Barclatys on XX/XX/2018 to pay off my account and gave them full information on the automated line and got confirmation. Looked at my credit report today XX/XX/XXXX and they marked me late again so I called and made a full payment of {$1600.00} again and my confirmation number is XXXX. This has happened over and over again with Barclays and they continue to charge late fees, report me late on my credit but in fact there automated system has a flaw. I need my credit report updated to no late payments as I have continuously made payments and now my account is paid off..never want to deal with them again. This is absolutely ridiculous.

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 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
When I opened my account with M & T bank, I did so online. I opened an account with them after receiving a mailer stating that customers would receive a {$250.00} bonus 90 days after opening an account as long as they had a direct deposit linked to the account. I applied for my account online using the special code " QC '' or " QD '' can't remember which. I even entered the code in the promo code box. My direct deposit started on XX/XX/XXXX and the account was opened XX/XX/XXXX. As of this date, I have not received my {$250.00} bonus.

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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XX/XX/2018 XXXX XXXX has threatened lawsuit and legal action with a law-firm called " XXXX XXXX '' for a personal loan of XXXX. Outstanding balance is XXXX despite payments before account went default and original amount was smaller. Credit is significantly damaged and Im forced into bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I have disputed with diversified consultants regarding a debt that theyve purchased from XXXX that this is a debt not owed to me. I have requested for this debt to be validated, but I have yet to receive validation of debt from this company. It is the companys duty to validate any debt that is believed to be owned by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 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: First Financial of Columbia, Inc
State: SC

Complaint narrative:
First Financial in Columbia, South Carolina has reports on my credit saying I have closed or written off accounts when I currently still have new open accounts in good standing as well as paid off in good standing accounts. Also, the amounts that are being reported as due are more than the actual amounts. These problems date back all the way in XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, etc to current status now. Also, I'm not showing the good standing/closed accounts for my car loan I paid off with them and other personal loans as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX is currently a complaint that I have opened and I am appalled that I have gotten 2 wrong extension numbers and they actually left them on my voicemail and of course when I tried to call them they were both wrong!! What is going on I want my complaint responded to as you can see this was supposedly taken care of back in XX/XX/2016 and look I am here again with the same issue because Bank Of America didnt do there job removing inaccurate info on me. I really would like them to be notified about the problem and have some one call me with a valid extension number. I will be holding on to the voicemail with the wrong extensions in them to call back in case they say they tried to get a hold of me and couldn't. 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 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
I lost my job of 35 years in 2015 and have been trying to get Fay Servicing to give me help or a modification on my loan. they told me no loan because I had one 10 years ago and when the offered a modification it would reduce the mortgage {$27.00} and the representative did not explain the whole process because I'm in a chapter XXXX and would have been some special circumstances included they failed to tell me that then the 3 months expired for the modification they then moved to foreclose on my property that I have worked hard to pay for over the last 15 years. I have called email and spoke with previous customer helpers because I found some mortgage on my own and need a promissory note to get some foreclosure help and they have refused to give that information they have stopped all communications with me on help to save my home. This is the worst company I have dealt with concerning my home dept and they need to be put out o business. this is my 2nd complaint against Fay Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX and far along enough to cause an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: IN

Complaint narrative:
I checked my credit report because my score had dropped significantly and I saw a collection from the XXXX XXXX XXXX. I have never heard of them and can not reach them by phone ( it just stays on hold forever ). I have no idea who they are saying the original creditor was. I havent received anything in writing. I dont believe that this debt is valid or mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint re Nissan and the misrepresentation of a vehicle purchase in XX/XX/XXXX. 

I submitted the report to you, and then received notification that the issue was closed. 

You had received a letter from Nissan stating that the entity responsible was XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Consumer Affairs Department and the XXXX XXXX   XXXX. XXXX Account No. XXXX. 

Evidently you failed to read the letter to learn of this information. 

Accordingly I will re submit the complaint with the additional information. 

When we were looking to purchase the vehicle, we were informed that the vehicle was capable of the XXXX XXXX XXXX. The salesperson stated this, the website states this, and I spoke with another rep of Nissan and they confirmed it. 
However, when trying to download the software to enable the service, the website indicated that our vehicle ( by VIN Number ) was not equipped for the Navigation System.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SQUARETWO FINANCIAL CORPORATION
State: GA

Complaint narrative:
I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I contacted Tranunion on multiple occasions ( both via telephone and US Mail ) about removing inquiries on my report that I did not authorize. They state that they have verified them. I contacted the creditors and they said Transuion has to remove them. Transunion will not remove these inquiries.

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 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2018, I submitted a payment of {$25.00} in the system of PayPal extra MasterCard, paypal extra tried to extract {$670.00} ( NOT {$25.00} ) my bank declined the transaction, now they want to charge me {$25.00} late payment and consequently damage my credit history. 

It is important to mention that extra PayPal and PayPal are two completely different banks

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 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This case revolves around capital one credit card mishandling of my file. Last year I got into a business dealing with a merchant. That merchant did not fulfill their side of the bargain, which prompted me to inquire about my money back. That transaction was paid with my Capital one Credit card. I let Capital one know of the issue by originally filing a fraud case. One of Capital One 's fraud XXXX reaches out to me and advised me to deposit a check sent by the merchant many weeks after the altercation. I kept a check sent to me by the merchant with no intentions of cashing as I had already had the charges reversed by Capital One.Upon the advice of the Capital one representative, I go cash the check and accept the resolution offered by the representative. However, the check was stopped by the merchant and left me with a balance that I am responsible for. I called Capital One to let them know and they said they would dispute it if a response letter was written to the letter they intended on sending me. Once I received the letter, I quickly responded with a letter and supporting evidence. Capital One call me back weeks after receiving my application on XX/XX/2018 to tell me my claim was denied because I didn't get documents to them. Moreover, they won't take responsibility for the counsel given by their representative to deposit the check which led to other fees accruing because of the stop Pay. I spoke with Representative ( # XXXX ) and he stressed to me that they were out of time to retrieve the funds and that I should have sent them everything. My response was, this case has been on the table since last year, I have sent them everything that they require. The document that they are requesting can be supported by the documents that I submitted. Moreover, I was never informed by XXXX that they needed more documentation until today when I found out it was declined. ( XX/XX/2018 ) Capital One is maliciously trying to shift the risk from itself to the cardholder by not indemnifying the cardholder and not reviewing supporting documents in a timely fashion

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Today XX/XX/XXXX, I received a letter from Bank of America stating that " my loan is in forclosure process ''. They are threatening to forclosure on the property again. 

I sent a letter via certified mail to their Attorney on XX/XX/XXXX and have not received a response yet. 

I have sent another letter to XXXX XXXX handling the case on XX/XX/XXXX and still have not received a response.

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 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase strongly recommended using a 2 factor authentication method to protect my funds.  One of the recommended " Authenticators '' was XXXX Authenticator. I configured the 2 factor authentication and everything worked fine until the phone on which I had XXXX Authenticator installed needed to be wiped due to a severe software problem. After the wipe, I could no longer use XXXX Authenticator. I followed Coinbase 's instructions do deactivate 2 factor authentication and these instructions failed. 

A ticket was opened in early XX/XX/XXXX and I still have no access to my account. Last I was able to look I had over {$6000.00} in various coins but I still have no access to my account. In the meantime the currencies have fluctuated wildly and I have been unable to liquidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am a Citibank customer. On XXXX XX/XX/2017, my client tried to send me {$XXXX} payment for a job via XXXX XXXX. They input my information correctly. They were only asked to input my email, and I received the email alert saying they were trying to send me money via XXXX XXXX, so it was not user error. 

The email said that if I have an outside bank, to click on the link to that bank. I clicked on " Citibank. '' I was taken to a Citibank interface, where I was asked to either log-in or register. I could neither log-in nor register for the transfer service. I called Citibank. I explained the problem to the representative on the phone. She put me on hold, and then asked me to try it again. I was able to get in. I don't know what that Citibank representative did on her end, but the money was not in my account. It was just my regular account home screen. 

I called Citibank again and was told it could take a day for the money to credit. It never credited to my account, but the money had already been deducted from my client 's account. 

My clients and I contacted XXXX. I gave the XXXX representative my Citibank account number. She confirmed that the {$XXXX} was not in my account but had been received by a stranger 's Citibank account. Due to privacy concerns, she could not tell me whose account got it, just that it was not my account and was someone else 's Citibank account.

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX  and far along enough to cause an 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 2018-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX purchased as a debt buyer an HSBC account XXXX which was already in default but agreed by HSBC not to be my debt due to Identity Theft. Unfortunately in XX/XX/2013 XXXX XXXX took the position that they acquired this account and started a brand new collection action. I have notified XXXX XXXX within 30 days that this was not my debt and requested validation. In addition I requested : 1 -- validation of the debt balance ; 2 -- the date this account first went into default ; 3 -- the date of very last payment received ; 4-the name and address of the original creditor who charged off this account and the date when this creditor purchased this account ; 5 -- the original application and file evidencing my signature that this was my debt.Since I never received full and detailed answers for these 5 questions, I am hereby demanding such detailed validation again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
There is a debt collection company by the name of XXXX   on my credit report. I have been in contact with them and the bureaus in an attempt to find out what this collection was for. All I can find out was that its fro a apartment that I did live at, XXXX XXXX, but I did not break my lease or leave the apartment in a mess. However when I originally signed the lease I requested that the carpet be replaced as it was dingy and had balled spots. Now I believe that they are trying to back charge me the {$500.00} for the upkeep of there complex. If I would have known they were going to back charge me I would have never moved in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: AES/PHEAA
State: FL

Complaint narrative:
student loan with XXXX XXXX reporting to my credit file that doesn't belong to me email company and send letter by mail asking proof of document have not gotten anything or hear back from them account was removed from my credit file but then 3 month later put back on

Company response to consumer: Closed with explanation