vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America charges an $ XXXX  monthly fee for having a balance below XXXX in my checking account. I have been charged {$8.00} a month since XX/XX/XXXX. Bank of America did not charge me this fee before that time and I was not notified this change was occurring. The balance of my Savings account at that time was {$77.00}. 

Since XX/XX/XXXX I was charged {$8.00} each month totalling {$120.00}. Once my account reached a balance below {$8.00}, Bank of America took it upon themselves to deduct from my Checking account to cover the amount to pay for the {$8.00} service fee. This deduction occurred without my knowledge or consent. The first deduction was for {$2.00} and it was on XX/XX/XXXX. The next month Bank of America transferred {$74.00} from my checking account and deposited into my Savings account so they could continue to deduct the service fee from my account. This also happened without my knowledge or consent. They continued to deduct this service fee until the balanace on my account was {$34.00}. I then called the customer support line and they only refunded me {$24.00} since their policy is only to refund the past 90 days worth of service fees. I spoke with several customer service representatives and when I asked to speak to the manager I sat on hold for more than 40 minutes with no answer. Bank of America did not want to help me. 

I am writing this to attempt to get the rest of my funds returned to me as well as notify your agency of the malicious practices of Bank of America.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: CA

Complaint narrative:
Helvey and Associates did not send me any notifications ( letters, email, phone call ) to indicate that I had an outstanding debt of {$360.00}. I was made aware of this debt by reviewing my own credit report. I reached out to the company on XX/XX/2021 to inquire about the debt and left a voicemail. I did not receive a response. I reached out to the company again and was notified that their system was down and they couldnt provide me with any information. I was informed that I would be contacted once their system was working, but this never happened. I had to call them again and finally got in touch with someone who could provide details regarding the outstanding debt. I made payment once I received the bill. I requested that their derogatory report be removed from my credit report since I was not provided with any prior notifications, but they refused. As a result, my credit score has dropped by over 100 points due to no fault on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.

I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: DISCOVER BANK
State: VA

Complaint narrative:
They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CountryPlace Acceptance Corporation
State: LA

Complaint narrative:
Countryplace Mortgage is reporting to XXXX that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, Countryplace and XXXX are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with XXXX about this. XXXX has claimed that Countryplace Mortgage certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: TX

Complaint narrative:
I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from proprietorship however they haven't agreed to my solicitation yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
On XX/XX/2021, I sent a certified letter requesting for Velocity Investments LLC to provide me with a certified copy of an original contract with my signature, specifically naming their company as an entity entitled to enforce a claim against me. The letter was a 30 day request. I asked for proof because I have never signed a contract with Velocity Investments LLC for them to file a suit with the XXXX County Magistrate Court against me. 

A representative of Velocity Investments LLC accepted and signed for the letter that I sent on XX/XX/2021. Today makes 34 days and Velocity Investments LLC has failed to provide proof but the suit is still opened with the courts.

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 2021-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called Bank Of America about a credit card account which was deactived by them which i was aware of. A month or two later they reactivate my card without my knowledge of it being reactivated and it became late and turned into a charge off and a collection. 
I paid the charge off. I had a good payment history with them since 2005 and explained to them that it was hurting me financially by being on my credit report. What makes this a unfair credit practice is the rep who I spoke to on the phone said they could not remove it and it was solely in the hands of the credit bureaus to remove the charge off and that they had no control over removing the item which reports on my credit report. It is sad they are not held accountable because when you call them they say it is on a recorded line and she intentionally misinform me that Bank Of America had no control over the out come or the removal of a item on my report. Is It ok to tell your customers that Bank Of America does not have the power to correct an item on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX received a letter from Credit Management for XXXX XXXX for the amount due of {$290.00}. I have never been heard of, been affiliated or done any business with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery Co L and others on behalf of XXXX continually revive and report to CRAs a debt that has defaulted from a completely different account unrelated to me or my bills. Despite being removed prior by the CRA 3 times over a 6 year period, every 12-24 months, the same debt fraudulently appears again, despite having been proved not to be mine multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I advised my mortgage company PHH mortgage that I was having some issues with payment due to issues with Covid. They offered for me to put payments on hold for 3 months. I get a call XX/XX/XXXX and it the mortgage company telling me they have a offer to put my 5 payment to the back of the loan. I accept. I asked pertinent questions is they anything else I need to do. They say no. The payment will go to the back of loan. I get a letter today indicating otherwise. I call today and they tell me they made a mistake. The investor XXXX XXXX XXXX they throw rocks and hide and do deceptive things ). They want me to remodify I do not need to I am at 2 percent. I am angry and upset that they conned me. I have been in my house for 15 years they are trying to take my house. XXXX XXXX has been doing this to people of XXXX for years. They are not to be trusted. Please help. This is a bait and switch situation. XXXX XXXX is taking advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: GA

Complaint narrative:
During the timeframe of XX/XX/XXXX up until XX/XX/XXXX. I have made contact with Equifax regarding fraudulent inquiries listed on my credit report. I have spoke with agents, supervisor as well as management in what they call their consumer affairs department. I was told to file a police report and or FTC report. There was no specific details on how I was to file either report. After faxing over documents in XXXX of XXXX I was told numerous of times that my documents where not visible. I continue to resend the documents via fax. During the month of XXXX I was told that they see the documents however my documents are not valid. I question that statement. I was hung up on, transferred to survey and put on hold for hours on many different occasion. One agent finally told me that the FTC would only be consider valid if I have five accounts listed. I then went on to correct the FTC and mail in by certified mail the FTC, police report, utility bill, and my drivers license. I called once I seen my documents had been delivered on XX/XX/XXXX. I made contact with numerous of agents on XX/XX/XXXX who stated that my documents had not been received although the tracking stated delivered. I have continued to reach out to Equifax to no avail and under the fair credit reporting act Equifax had 30 days to remove all fraudulent information from my credit report but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Good morning, I had 2 accounts in collection which I paid in full and was told that they would be removed and I would receive a letter stating they are at XXXX balance and would be removed. As of today I had yet received a letter or the accounts removed. 
XX/XX/21 paid {$470.00} to XXXX XX/XX/21 paid {$390.00} to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX  is reporting to Experian that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, XXXX and Experian are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with Experian about this. Experian has claimed that XXXX XXXX  certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.

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 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: First Advantage LNS Inc.
State: NJ

Complaint narrative:
In a prior complaint, I attested to the fact that Nation Credit Audit Corporation has falsified information, and stated the following : Company 's Response " ... Please note that back in XXXX of 2018, the leasing office filed & was awarded a Warrant of Restitution from the district court for nonpayment. They were also, given authorization to start the Eviction process to retrieve the possession of our premises. XXXX  discharged our claim as the PR brought his rental charges current and gave a notice of vacating. Therefore is was no need to proceed with an eviction ... '' There is no warrant of restitution. I challenge National Credit Audit Corporation to show me where a warrant of restitution was granted in the State of New Jersey. There is no such warrant recognized by the New Jersey court systems.

I challenge them to show me proof, in the form of documentation, account statements, this supposed Warrant of Restitution, and any other place where my name shows up with my signature.

Company response to consumer: Closed with non-monetary relief