vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For close to 7 months now capital one and XXXX have screwed my account up. XXXX was saying we owed x amount of dollars. When are records show that we paid our bills and they were adding extra fees and charges. And saying they were going to offset it and fix. They never did and they tried to illegally take a payment of XXXX out of my bank account. I stopped the transaction with my bank Capital One. And never had a problem with that. I closed my accounts with capital one as I now bank with XXXX XXXX  XXXX. All o f the sudden since I closed my account capital one says I owe them XXXX $ for the stop pay on XXXX. And they were trying to dictate my money and who I pay or didnt. It was nothing to do with Capital One. This was a account between myself and XXXX. Capital one is my bank and has no say on who I pay. This wasnt a cc account thru capital one it was just cell bill. 
Well capital one is trying to go after XXXX $ and XXXX is trying to go after the same amount as well.Cap 1 is saying rhey paid XXXX even after I stopped it.The collection agency called my husband and didnt verify my info. He is not on the account.And they divulged my info to him without id the proper party. AS my husband explained he was a debt collector as well. They argued and hung up on him, The call was recorded from our end as well and is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NJ

Complaint narrative:
I found that one of my payments to your account have been labeled as late on my credit report. These missed payments were due to : Lack of information provided by One Mains XXXX XXXX branch. A payment did not go through on my checking account. When I checked the website to see my balance a week or two later, I noticed the payment did not go through. The following day I went to their office and I was told by One Mains XXXX XXXX branch that it was an error on their part and that they listed my account as a Checking and not a Savings account. I was told by simply switching the account information on file from a checking account to a savings account the payment would go through. It failed to go through again and once again was not informed as well as I see necessary. The account went thirty days past due, So i made a phone call to One Mains customer service line. They told me I needed a certain form from the branch I used to file a dispute. When I tried to talk to them about possibly filing a dispute and asked for the letter that customer service told me to ask them for, they were extremely rude and unhelpful at the XXXX XXXX branch and said no such form existed. I called back to customer service and the customer service representative I spoke with even told me they had a history of Not doing their job at that Branch. 

I have had 100 % payment history on all other accounts and until this error occurred was always on time with my One Main account. Since the late payment occurred for the above justifiable reasons, please correct the payment history at any credit bureaus that carry the history of my account with you, Including, but not limited to : XXXX XXXX XXXX It is imperative that my credit score reflect the good business relations I have maintained with all companies in the past. The corrections to the report will make it more representative of my financial habits. I sincerely hope you will not take into consideration my oversight with these late payments which, I assure you, will not occur again. I look forward to continuing our relationship and maintaining good financial habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: Kelsting Group, Inc.
State: CA

Complaint narrative:
I saw a hard inquiry on my credit report from someone I did not recognize nor ever did any buisness with its a fraud account open in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, BB & T Bank has charged me {$210.00} in erroneous and excessive overdraft fees which has caused my account to have a severely high overdraft amount. On XX/XX/2018, BB & T Bank charged me {$72.00} in over draft fees, on XX/XX/2018, BB & T Bank charged me {$36.00} in overdraft fees, and on XX/XX/2018, BB & T Bank charged me {$100.00} in overdraft fees. I called BB & T bank 's customer service line on XX/XX/2018. I told them that I wanted to dispute a transaction that took place on XX/XX/2018 on my account with XXXX XXXX who erroneously charged {$130.00} on my account. The BB & T customer service agent told me to dispute the transaction with XXXX XXXX and wouldn't let me dispute it with BB & T. I told the customer service agent that BB & T as a result of this XXXX XXXX XXXX BB & T Bank is continuing to charge me overdraft fees. The BB & T customer service agent told me that BB & T would reverse the overdraft fees if the transaction is reversed. I expressed my concern that BB & T is continuing to excessively charge me overdraft fees on my account, the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$66.00} with XXXX XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. I also told the agent during the XX/XX/2018 phone call that I wanted to dispute a transaction that was taking place on XX/XX/2018, for {$19.00} with XXXX, the BB & T agent told me that I had to wait until the transaction has gone through and it's no longer in pending status, I again expressed my concern regarding the overdraft fees, and the BB & T agent didn't care. 

I again called BB & T on XX/XX/2018 regarding the XXXX XXXX transaction that took place on XX/XX/2018, because BB & T was continuing to charge me overdraft fees on my account. The BB & T agent didn't care again that BB & T Bank was charging me excessive overdraft fees. 

BB & T Bank is abusively charging my account overdraft fees. I called BB & T Bank customer service while the overdraft fees were being assessed on my account because I had disputes on transactions that had gone through, and the BB & T Bank customer service agents didn't care. BB & T charged my account {$210.00} in abusive and erroneous overdraft fees between XX/XX/2018 and XX/XX/2018 which is causing my account to be severely overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, XXXX, Equifax ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( Transunion, XXXX, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.

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 2018-08-02 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: NC

Complaint narrative:
On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, Experian, XXXX ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am trying to sell a property ( vacant lot ) that had the mortgage paid off to BMO/Harris seven years ago who acquired the loan when XXXX XXXX failed in 2010. The loan was paid in full seven years ago, and a satisfaction of mortgage was filed, however there is a modification of mortgage still on the title which was missed by the lender and I have been unable to sell the property. 
I've sent numerous requests to BMO regarding the title issue and also Consumer Mortgage Release Requests on their form along with full title search details, and the company will not respond. I have been trying to clear this up since XXXX and it is causing great financial hardship.

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 2018-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial
State: PA

Complaint narrative:
I received mailings from Ameritech Financial stating that they could help lower my monthly student loan payments by filing paperwork with my loan servicer for Income Driven Repayment. From what I understood, I would pay an initial fee to Ameritech for them filing the paperwork, and then they would make payments on my behalf directly to my loan servicer. I began with Ameritech on XX/XX/XXXX and they withdrew their first installment of {$250.00} on XX/XX/XXXX. They made 5 more withdrawals of {$250.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for a total of {$1500.00}. They then withdrew {$99.00} for the next 18 months for a total of {$1700.00} with the last payment being on XX/XX/XXXX. I cancelled payments at this time because I kept getting emails from my loan servicer stating that I had payments due. I was not satisfied with Ameritech " paying '' my servicer because I thought they were making late payments. At the beginning of XX/XX/XXXX I received a letter stating that Ameritech does not make payments on my behalf to my loan servicer. I logged into my loan servicer online and found out that because no payments were being made by Ameritech, {$5200.00} was capitalized to my loan on XX/XX/XXXX. I am filing a complaint because I believe that Ameritech was deceptive in how they advertised their loan repayment services and not only took money for services they were not completing, but caused me to have more than {$5000.00} capitalized to my loans for nonpayment of interest.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
They keep calling it is a credit management service they call three time a day I did get one of the mans name it was XXXX XXXX. They are calling for XXXX XXXX XXXX XXXX XXXX, Cal. XXXX. The call is routed through XXXX .. now they have changed phone numbers and that have a women calling. We have cut off our answering machine on account of them. Is there anything we can do. We have never used these people we have very good credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I've contacted Bank Of America multiple times to validate 3 accounts. I asked them to verify these accounts by sending me a copy of a contract with my signature on it. I also asked if they didn't validate these accounts within 30 days to remove all 3 accounts from the 3 major credit bureaus XXXX, XXXX, and XXXX. in addition, the 3 credit bureaus also received letters to validate these accounts. I'm asking the CFPB to assist me with this matter because BOA, XXXX, XXXX, and XXXX are all noncompliant to my request.

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This letter is being emailed and sent to : The Offices of XXXX XXXX XXXX XXXX XXXX Mr. Cooper/Nationstar Mortgage and copied to : The Office of XXXX XXXX - Texas Attorney General The Office of XXXX XXXX XXXX County District Attorney The Office of XXXX XXXX Finance Commission of Texas The Office of XXXX XXXX Texas Department of Banking The Office of XXXX XXXX Consumer Financial Protection Bureau This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 

I am writing because Mr. Cooper/Nationstar Mortgage has not acted in Good Faith as it pertains to my mortgage and what has transpired since Hurricane Harvey and the forbearance that was offered to us as a result of the storm. 

After Hurricane Harvey, Nationstar reached out to us and offered a forbearance for our XX/XX/XXXX XX/XX/XXXX payments. And, that the 4 payments would be put at the back of my current loan. We were told that we didnt have to fill out any paperwork and we would begin making our regular monthly payments again in XX/XX/XXXX. When I reached out to my loan specialist XXXX XXXX in early XX/XX/XXXX, I could not reach her. I was directed to the general customer service department. I was informed that ; 1 ) many clients were in a similar situation as I, 2 ) Mr. Cooper was behind in processing paperwork, and 3 ) I would receive my paperwork no later XX/XX/XXXX. From that point for the next several months, I received a different response ( every time I called ) as to the status of my loan and the forbearance. I was informed on several occasions, however, by multiple customer service representatives ( and supervisors ) that my account was still under review and to not make a payment ( I have recorded conversations to verify this ). 

After contacting Mr. Cooper for the 20th time in XX/XX/XXXX to resolve my delinquency, I was informed by a customer service manager that we didnt qualify for the forbearance ( because we were behind on our payments ( which was inaccurate ), and that we needed to start making payments. We made our XX/XX/XXXX and XX/XX/XXXX payments and when we attempted to make our XX/XX/XXXX payment, we were prevented from doing so. We were also told that our account was again under modification review, yet we could only make a payment if we could pay the past due balance in full. 
We were not offered a reasonable solution to cure our mortgage delinquency. 

We are simply seeking a resolution to this matter, in good faith, by Mr. Cooper/Nationstar Mortgage. We were originally offered a forbearance ( in XX/XX/2017 ), not a loan modification, and we are asking that our loan servicer and investor keep their commitment. Had we been offered a modification, we would ( and could ) not have accepted their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Snow and Sauerteig LLP
State: IN

Complaint narrative:
On XX/XX/XXXX, I came home to a packet of documents taped on my front screen door. This notice was an appear in court for a debt notice. In this notice, front page, disclosed the creditors I supposedly owed and the amount of money I supposedly owed. Taped in the open on my front door. For my spouse, neighbors and anyone who came to my door to see. The subsequent pages in the packet contained each affidavit of the debts including name of the places I supposedly owed and amount of money with account number. Exposed for all to see including my spouse. 
This was also the first notice I received from the debt collector about these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has major issues when it comes to having wrong information on there reports. I have had for the past 4 months with Transunion information that was on my report as XXXX XXXX- XXXX XXXX or XXXX by XXXX letter that has nothing to do with them but at the same time Transunion has no right to keep putting and then deleting information that does not belong to XXXX nor assign by the creditor. My score seems like a roller coaster with XXXX  and its never adjusted. If a creditor makes a mistake they should be held liable not by no sorry letter and XXXX  is liable for the issues considering they do not correct there credit scores. Letter assign with complaint.

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 2018-08-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to Equifax, XXXX  and XXXX in regards to some accounts that I gave no consent to. The dispute is stated that action is to be taken in 4 days yet we are nearing 90 days and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc.
State: WI

Complaint narrative:
Brite Financial phone lines have been down for months. There are no live agents available to take your call. My account is only 1 month behind as of XX/XX/18. The email suggests they are going to repo the vehicle. My car note is behind because I have to pay over {$700.00} in repairs. Vehicle has a check engine light and I will be unable to register plates. I responded to the threatening email and proposed a solution of $ XXXX/week to get lease caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Finance manger was very rude in the way he talk to me and very Bias as well as a pure XXXX. I came there to trade in a car and the salesman was very nice and helpful. The finance manger told me he could not get me Finance with {$40000.00} dollars or XXXX no amount money would Capital one take the loan. Funny Thing I have a car loan with Capital One Bank and it can be Verified by capital one I never had a late payment nor any late fees as well for the last 2 years no credit cards student loan is late or behind. This Finance manager also told me they use a Formula and when we look at his computer screen it was showing things that had been deleted off my credit file and it was as he was trying to use it against me. I contacted Capital One Bank and was told when the loan was in pending status the Finance manager did not respond back to capital one as if I wanted to put more money down. My feelings towards euro motors as people had told me that there not the dealership to do any business with and they are awful when it comes to customer service. I have also contacted XXXX XXXX XXXX to the issue with the Finance manager and the way he talk to me. I no he have some excuse as most do and try to justify his actions and all that but XXXX is very bias and that's it. Typical hidden agenda type Finance manager that's explain why the times I visit the store there is real inventory at the lot and to why so many old used cars on there showroom floor.

Company response to consumer: Closed with explanation