vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACCOUNTS ADVOCATE AGENCY
State: PA

Complaint narrative:
Fuel oil delivery XX/XX/XXXX, paid Furnace servicing XX/XX/XXXX, paid ( Which included, as indicated on their website at the time, inspection of the oil tank and replacement of oil filter and any parts necessary ) Refill oil tank XX/XX/XXXX, paid Emergency visit to repair XXXX XXXX XXXX  error XX/XX/XXXX XXXX XXXX XXXX  negligent services allowed a fuel oil leak to occur on my property not 2 weeks after inspecting it. They have contacted my family in attempt to collect funds from me. They mishandled my customer account information, placing it in the subject line of an email and sent it to my parents. 

Today, XX/XX/XXXX, at XXXX, while at work, I received a call from a person claiming to be from " XXXX XXXX ''. The name given was XXXX XXXX. I now see this name ( XXXX XXXX ) on a document sent to me from Accounts Advocate Agency, the collections agency attempting to collect from me. 

This man yelled over me that I let him speak. After he was finished, I attempted to respond. As I spoke, he continued to yell, and claimed that I had no manners. I was attempting to inform him that his information was incorrect, but his emotional and angry demeanor leads me to believe he was simply misrepresenting his claim and trying to scare me. I was then put on hold for some time. I hung up and called back because I wanted his name and the name of the supposed law firm. ( I was shaken by the earlier call, and I could not recall the name of the law firm, and I can not remember if this man gave his name previously. ) He gave me an amount he would settle for. When I asked if his reason for contacting me was to collect a debt, he would not answer, claiming that I was threatening him, and he hung up on me. I am entitled to this information by law. He would not provide it. 

Accounts Advocate Agency misrepresented themselves to me as a Law Firm. They misrepresented the services for which they were attempting to collect. The representative, XXXX XXXX, was abusive and insulting. I had also previously sent them a request to provide validation for the debt that they were trying to collect, and cease all other communications with me. I used the letter template from the CFPB website. A bill was provided with charges for " Balance Forward ''. No details provided, no signed agreement provided. 

I feel that this company is guilty of numerous violations ie, Imporsonating an Attorney, Using Abusive Language, Contacted me after I requested no contact. 

Further documentation will be provided to CFPB upon request. I have most of the paperwork at home, and I am currently at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
Synchrony Financial 's credit cards ' online account management system has a major flaw that can result in consumer confusion leading to mispayment of amounts due. 

Synchrony uses the same underlying online account management system across multiple products. As a customer for multiple Synchrony products, I discovered that the system does not correctly handle a customer closing an online account management session for one product and initiating a subsequent session for another product. 

Example : A user logs into their XXXX 's XXXX XXXX account, then closes the XXXX 's web browser window and opens a new browser window for their XXXX account and logs in. Even though the branding and account information will appear correct for XXXX, Synchrony 's system will still display the statement balance information for the XXXX 's XXXX account. 

Obviously, displaying the incorrect balance information to the customer raises the likelihood that the customer will pay an incorrect amount, leading to either underpayment with associated interest charges, etc., or otherwise overpaying. 

I reported this problem directly to Synchrony on XX/XX/XXXX and was assured they took the problem seriously and would address it as soon as possible. As of XX/XX/XXXX, I can confirm that this flaw still exists. I believe this is an unacceptable problem to leave unfixed as it exposes unwitting consumers to substantial financial consequences.

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 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Hello, I have been repeatedly contacted by Midland Credit Management several dozen times since XXXX. Midland is attempting to collect a debt for one " XXXX XXXX ''. I do not now, nor have I ever, known or had dealings with this individual in any capacity. I have owned my current cell phone number for over a decade. I have provided Midland with basic identifying information including my name and address and instructed them to disassociate me from XXXX XXXX, and remove my cell phone number and any other contact information from their system, and to STOP calling me. I also mailed a letter on XX/XX/XXXX instructing them to cease calling me. I have further plans to call back today and request to speak to a supervisor again, and also to mail yet another letter ( certified mail this time to I have evidence it was received ). 

Below are the dates of the most recent nine phones calls from Midland. Each time I pick up I calmly explain to the individual on the line that I do not know Ms. XXXX, have no dealings with her, and that the number they are calling is in no way affiliated with her. Each time they have promised to remove my number from their records, but within a month 's time I will receive another barrage of calls. 

DATE TIME NUMBER XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX   XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX XX/XX/XXXX XXXX XXXX   EST XXXX XX/XX/XXXX XXXX XXXX EST XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
To Whom This May Concern, Hello my name is XXXX XXXX and I have a private student loan through XXXX XXXX which I am having trouble paying at this time. I am in the midst of a career change and just moved to New Jersey on XX/XX/2019. So, I am currently working as a XXXX  until I am able to get a career job as a XXXX. My income is very unstable at the moment. I am in a unique situation in that I don't speak to my co-signer, and she is not responsive to the company after numerous phone calls and emails. I was told by a loan resolution specialist that they would review only MY income to change the loan and give me a new payment that is more manageable for the time being. However, when I called back multiple times to share information, the representatives questioned my career choices, and continued to shame me into not being able to afford " only '' a {$110.00} payment a month. Furthermore, she told me that they would NOT be able to help me and would not move forward with my case until they received my cosigners income as well, whom they've been unsuccessful with already in the past. I am trying to work on my credit and maintain good standing with my debts, and I feel XXXX XXXX 's " customer service representatives '' were not interested in offering me any type of help with this unique " grey area '' situation I am in. Thank you in advance. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A checking and savings account was opened fraudulently under my identity at Bank Of America in Georgia. 
Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Owed : {$0.00} I was referred to XXXX XXXX and nothing has been resolved with Bank Of America directly. I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I am disputing.

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 2019-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AR

Complaint narrative:
I have been diligently calling to ask for a reinstatement because I want to keep my home Im currently saving up funds to pay in full. The problem also is Ive been in contact with Ditech Mutiple times and calling to ask about the calls that they told me they would listen to due to the agent I called to set up my supplemental payment plan with must have mistaken and keyed in the wrong numbers of the account number I read to them over the phone. I They still have not responded to me about the calls. I call in and ask and they tell me they are busy with there bankruptcy and all and someone is working on it. I dont know what else to do because they are still investigating this .This is my home they are messing with. Ive lived in my home nearly 6 years now. I applied for loss mitigation through Ditech due to a medical hardship I had to have XXXX XXXX XXXX  and developed a XXXX  XXXX that I had XXXX  I was very ill and out of work with no sick leave, as well as I work for the XXXX XXXX and it was during the shutdown as well and I applied but I have FHA and they told me I had to wait two years. Thats okay but I should have more options and I dont think they even read my five page medical hardship that I sent in with the documents for the loss mitigation I say that because I sent it in on XX/XX/XXXX and I received a answer by XX/XX/XXXX and was immediately thrown into foreclosure. I talked to a agent and they informed me that the account number that I told them when I called in to change my bank account information for the supplemental plan drafts from the bank and Ditech said the numbers came back as a invalid account. They never told me this until after it was too late and I didnt receive a letter until end of XX/XX/XXXX and the only reason I got it is due to calling Ditech and requesting it be sent to my email. Ive got several documents Ive kept all files all the faxed papers Ive faxed to them along with all my medical notes and bills and check stubs it all. I wouldnt be in this situation I feel if they would have done there job right the first time. Im still battling illness and working full time I just want to get to the bottom of it all. Thank you. 

Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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 — Was not notified of investigation status or results
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!

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 2019-03-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
I sent in a principal payment and they received it on the XX/XX/XXXX. They refuse to apply to principal until payment that is not due until XX/XX/XXXX is received. That's 3 days of extra interest on loan I am paying because they won't apply my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: PA

Complaint narrative:
These are a list of fraudulent accounts and inquires per bureau XXXX   Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX   XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} Apr XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, XXXX  and Transunion for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( TRANSUNION ) XXXX XXXX Executive Vice President Trasunion corp XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel

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 2019-03-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These are a list of fraudulent accounts and inquires per bureau EXPERIAN Child support enforcement {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX Install {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. XXXX, Experian and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( Experian ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO Experian XXXX XXXX XXXX XXXX Vice President and Associate general counsel - ( XXXX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX ) XXXX XXXX XXXX Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX vice president and division gen counsel

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 2019-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
These company reporting on XX/XX/XXXX {$380.00}, XX/XX/XXXX {$770.00}, XX/XX/XXXX {$1500.00}, and XX/XX/XXXX {$160.00}. I sent them letters letting know these are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I opened Wells Fargo Business Platinum credit card on XX/XX/XXXX. The sign up bonus was {$500.00} after spending {$5000.00} within 90 days of an opening of credit card. I met the spend by XX/XX/XXXX. I waited for a month and contacted Wells Fargo twice in XX/XX/XXXX. I was told that the offer was not attached to my account and I asked for the copy of T & C that I signed up for this credit card. But they declined. They were not helpful and not willing to help solve my issues. 

My name : 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 monetary relief
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
While reviewing my Equifax credit report, I see that an address that is listed is a place that I have never lived. How can I have this removed? 

I have never lived at the following address : XXXX XXXX XXXX XXXX, NC XXXX Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: WA

Complaint narrative:
XXXX has not updated my credit report that my account is payed in full

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 2019-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am an XXXX practicing in XXXX and XXXX. I was admitted to the XXXX   approximately 35 years ago. My experience with HSBC has been singularly unsatisfying. 

Around the end of last year I read an article in one of the financial magazines which listed the HSBC card as one of the best interest-frees cards available. I am working towards my XXXX XXXX XXXX. I applied for the card because I thought I would put my XXXX expenses on the card until I obtained my license and then pay off the balance before the end of the interest-free period. 

I applied for the card. I heard nothing so I followed up. I was told that they could not verify my identity so nothing was done. It would have been nice to know. Instead I was never informed. I was told to apply again - which I did. 

Again, after much time I received an email saying that my application was granted and that a card would be mailed to me. I never received the card and attempted, unsuccessfully, to follow up. I heard nothing until I received a fraud alert on the card. I never received, activated or used the card. I contacted HSBC and filed a fraud claim. I received a letter denying the claim ( for reasons I do not understand ). On the same day I received a letter from HSBC asking me to fill out and return a fraud complaint. I did this and have heard nothing. 

I canceled the prior card and was issued a replacement with a {$1500.00} credit limit. I have a higher limit when I was 18. Based upon my experience thus far with HSBC I did not activate the card. 

Last week I received a letter claiming that my application for an increase in the credit limit was denied. I never made this request. As stated, I have the card but never activated it. 

Yesterday I received a bill from HSBC for the fraudulent charges in the amount of {$1000.00}. Have not contacted HSBC again. Instead I am filing this complaint hoping for a resolution of this matter.

By their action I can only assume that HSBC is accusing me of fraud since they apparently do not believe my statements made to them regarding my non-use of the card. This is quite troublesome.

Company response to consumer: Closed with explanation