vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Hallstrom Law Firm PLLC
State: MA

Complaint narrative:
Had XXXX  work XX/XX/16. XXXX office did not bill the correct amount and turned over to collections, which then was sent to a lawyer. When I sent a letter full of question about the debt, Law firm/XXXX did not send me the proper documation proving the debt. All I got were credit card receipts showing the incorrect amount. Law Firs/XXXX needs to send me all the transaction including how the insurance was billed and for what amount so I can make a decision on how to proceed. 
So many companies debt collectors seem to be half-doing what is required by law. XXXX XXXX XXXX is one of these and are not exempt from the law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MT

Complaint narrative:
In XX/XX/2018, I financed a bed and 2 chairs from XXXX XXXX through Acima Credit out of XXXX Utah. The initial agreement was to pay off the debt in 90 days. As my luck would have it, I was unable to pay off the debt in 90 days. Acima wanted to charge me 3 times the amount the furniture was worth. I wasn't having that. I have fought with them every month since then. We were able to set up a settlement amount and I was to receive a confirmation email regarding that within 48 hours. Never received the email. They tried on several occasions to withdraw money from my account before agreed date, overdrawing my account. With no confirmation email, I have no way to prove otherwise. I was supposed to make the final settlement payment the XXXX of XXXX and they tried to pull " the settlement payment '' out 2 weeks later. I contacted Acima through chat and screen shot the entire conversation. They are nailing me for an extra {$500.00} beyond the first settlement. Because I didn't get a confirmation email, I didn't have proof they were screwing me for more money. I demanded an email that same day. They said it would come to me in 24- 48 hours. It took 2 weeks and 5 phone calls and still no email even though I was told over and over that the email had been sent. I again resorted to chatting through the website again so I could screenshot the last agreement. They cut my chat off after I demanded that the confirmation email that was supposed to be sent to me 2 weeks ago be sent immediately. They told me that couldn't happen because it was all computer generated, but they had record that the others had been sent. They refused to send me those as well. I finally received the confirmation email on the XXXX stating the dates that they would pull money from my account for the final settlement AFTER I threatened to report them to the XXXX and CFPB. This company is greedy and dishonest. They don't send the emails and then suck you into a new settlement for more money. They should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX ACCT # XXXX OPENED XX/XX/XXXX AMTDUE SHOWS : {$4800.00} THIS ACCOUNT WAS OPENED OVER 12 YRS AGO. IT FAR SURPASSES THE 7 YR TX REQUIREMENT FOR STAYING ON A CREDIT REPORT. IVE ALREADY SENT IN A DISUPUTE THROUGH XXXX AND IT IS STILL SHOWING. I NEED THIS REMOVED FROM MY REPORT, ITS SEVERELY AFFECTING MY CREDIT. IM GETTING DENIED FOR THINGS I SHOULD BE EASILY GETTING APPROVED FOR. THIS AMOUNT WAS ALSO SENT TO A CONSOLIDATION COMPANY BACK IN XX/XX/XXXX. PLEASE TAKE IN CONSIDERATION OF REMOVING THIS ASAP.

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 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
It seems as though after a long process of Capital One supposedly investigating fraudulent charges on my credit card account ending in XXXX, they did not conduct the proper investigation. Instead of investigating fraudulent charges on my account, as I reported to them in XX/XX/XXXX-XX/XX/2019, by telephone, they investigated that my card ( ending in XXXX ) was opened in my name fraudulently ( see letter from them attached to this report ). I reported to Capital One in XX/XX/XXXX/XX/XX/2019, by telephone ( on a recorded call ), detailing each charge/date/and amount that were fraudulent. I never told them that the card was opened in my name fraudulently. Capital One has all the charges/dates/and amounts that I provided to them, on a recorded call. Also, in writing, on their Identity Fraud Information Form ( that they sent to me and was confused of why I was receiving a fraud identity form ), I hand wrote on the form that, " no one sought credit in my name, but that my accounts were used fraudulently '' ( see attached form that was faxed to XXXX/the fax number they provided to me ). I tried reaching XXXX several times to follow-up on the form to ask him why I was sent that form, but he was never available. Also on that form, I checked the box that I did not authorize anyone to use credit in my name, and next to each line, I wrote that these items pertained " according to my disputed charges '' - which also should have let them know that I spoke of charges and not a card being opened in my name ( see form attached that was sent ). Capital One should also know that I did not report that my account ending in XXXX was opened fraudulently because I had been paying my bill monthly, for over 3 years and up until XX/XX/2019. They can check their records. 

For over a month, I had been trying to follow-up with my investigator named XXXX to receive an update on the investigation ; however, my phone calls went unanswered, or I was told that he was not available and no other representative would provide me with the progress. If I had been provided an update on the investigation, I could have informed him that he was conducting an incorrect investigation. 

I would like for Capital One to conduct the correct investigation of fraudulent charges on my card ending in XXXX that I reported to them, on a recorded line, in XXXX/XXXX, in which I listed each charge/date/and amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
Bank of america pulled my credit without authorization

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
ESCROW BALANCE IS WRONG, REQUEST COMPLETE BREAKDOWN OF ESCROW SINCE XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a Visa with a $ XXXX credit limit with BOFA for over 25 years. My credit score is over 825. I had a XXXX balance on this credit card and have never made a late payment in my life. I have lived at the same mailing address for 31 years. I have multiple accounts with BOFA checking, savings, MasterCard & Visa. I have been a customer of Bofa for 40 years. 

With NO notification what so ever I received a notice from my credit monitoring service advising me that one of my accounts was closed at my request. I had made no such request. I saw that it was a BOFA account and so I called them they stated they sent 3 letters notifying me that due to inactivity there would be closing the account. I received nothing from them. I asked to have the account re-instated and they said they couldn't. 

My credit score just dropped 23 points due to BOFA 's unlawful closing on my account. 

If BOFA has done this to others without any notification then I believe a class action lawsuit should be filed against them.

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 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
A written request to validate debt in the amount of {$4000.00} was mailed and/or faxed to Medicredit on behalf of the original creditor Name : XXXX XXXX XXXX XXXX XX/XX/XXXX. Medicredit was unresponsive to the request and no documentation in its original form has been provided to validate debt owed. 

This debt was last reported to XXXX XX/XX/XXXX. A follow-up request to validate debt in effort to remove from credit report was mailed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This company remains unresponsive.

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 2019-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Vericred Solutions LLC
State: CA

Complaint narrative:
This is regarding a {$250.00} payday loan I took out a long time ago from XXXX XXXX XXXX back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called VeriCred Solution and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the XXXX using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar bank , FSB made unauthorized modifications to my home load mortgage. They took over my loan and started servicing XX/XX/2019. Not a single notification was sent to me, the borrower at the residence address which was also the address of the property listed on the mortgage. 

Upon multiple calls I found out when they took over the loan and entered an incorrect mailing address that was unrelated to borrower and without borrowers permission. Apparently, the address was gathered through 3rd party means and unrelated to the borrower. All written notices were sent to that address and upon no response put the It has caused ALL correspondence was sent over a wrong address including notice of change of provider, statements of past due etc., causing severe distress and foreclosure proceedings.

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 2019-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/2019, I was trying to transfer {$200.00} through the Cash app from my Credit Union bank account to my Cash app debit card. I mistakenly sent it to my Credit Union debit card, which I had reported lost. So then I transferred another {$200.00} to my Cash app debit card. 
I kept waiting for the initial transfer of {$200.00} to go back to my Credit Union account but it never did. I could see that the transaction was showing as completed in the Cash app but it never turned around. 
I have created at least four support inquiries and on three occasions was able to get documents showing what they have on file. But when discussing with through email only, the support personnel seem to ignore that the initial {$200.00} inquiry should go through my credit union. I had already done that since I could see on my statement {$190.00} was deposited to my credit union account ( {$200.00} minus {$3.00}. for immediate use transfer through Cash app ). 
What I have not seen is the initial {$200.00} which should have also shown on my Credit Union account since the Cash app support team member told me that it was transferred to my Credit Union debit card. 
They refuse to give me the {$200.00} that supposedly went to that debit card and never showed up in my Credit Union account since the debit card was lost. 
I have the Cash app attached to both my Credit Union account and Credit Union debit card for deposits, transfers and sending and receiving cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NJ

Complaint narrative:
PLEASE LOOK INTO THE FOLLOWING NEGATIVE ACCOUNT : XXXX XXXX XXXX  IS DISPLAYING AN UNPAID CHARGE OFF AMOUNT OF XXXX AND DOES NOT SEEM TO COME OFF OF MY CREDIT REPORTS. THIS WOULD BE MY SECOND TIME AROUND DISPUTING THIS. AND IT IS UNFAIR. PLEASE REMOVE THE ACCOUNT BECAUSE IT IS RUINING MY CREDIT 'S REPUTATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: NH

Complaint narrative:
On XX/XX/2018 I bought a mattress from XXXX XXXX. I chose to finance the bed from your company Westcreek Financial the cost of the mattress was XXXX. I signed the documents from your company and I gave my correct bank account number and debit card number as well or the payment to XXXX XXXX would have never have gone through. On XX/XX/2018 I came into a large sum of money and called your company to ask for a payoff amount which I paid in full. Since that time your company and I have been in a dispute with you telling me that I owe you XXXX. You have reported a false report to the credit bureau that borders on fraud. Yesterday in a final attempt this matter your company and my bank had a three way conversation in which my bank told you that if you had submitted a charge of XXXX it would have been paid. Your response to me was that the payment of XXXX was kicked back to you due to a wrong bank account number or debit card. My bank confirmed that all the information that was on the application was true and correct. So if the payment did not go through it was an error on your part not mine but yet you still argued with my bank. You offered to take this fraudulent amount of XXXX off of my credit report if I paid you that sum. I checked my account with XXXX  and you had yet again altered information fraudulently as of XX/XX/2018 because I checked my credit report after speaking with you. Your company needs to remove all of the fraudulent information you put on my credit report because it seems to me that you are using the misinformation you gave to the credit bureau as ransom just to get me to pay a debt that is not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
on XX/XX/17 I had my kitchen redone by home depot. The charge on my credit card was for XXXX. I have been paying my bill monthly and lowered my bill to XXXX. I received a bill in the mail that charged me XXXX in interest, bringing my bill up to XXXX. I feel this is excessive and I was unaware of the interest that would be added to this bill by a certain date. If I had been fully informed of this practice I would not have agreed to this knowing my financial limit. I called and spoke to someone on the phone declaring my concerns and they closed my account and and stated I can pay a certain amt for 5 yrs. I feel violated and feel I was misinformed of this credit card rules. I work hard to keep my credit in good standings and this grossly unjust interest has set me back. I can't believe this could be a legal practice. Please advise.

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 2019-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Good Afternoon. I applied for a Chase Card via Amazon. I called the recon line and they denied it again. At this point I feel like I am being discriminated against and no one is looking at my true credit report. My lowest score is XXXX  and my highest score is XXXX. I have no negative items on my report. My last late payment was a year ago, which was my student loan. I am now in a ibrp with them and have had on time payments for a year as of this month. I am an AU on my moms JPMC card as well. I make payments on her card as well. Lastly I have a secured loan that I pay monthly on with on time payments. They said that I had multiple inquiries ... .a few of them were from jpmc and a lot of accounts, which I don't. I think they were trying to find a reason to deny me. I would like someone else to take a look at this. 

Also, they said that there was a card open a very long time ago that I have never had. I am a victim of identity fraud and I have fraud alerts on my reports. I have never had a credit card with jp morgan chase at all. No one gave me any advice on how to clear that up either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TN

Complaint narrative:
i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
This is regarding a {$250.00} payday loan I took out a long time ago from ACE Cash Express back in 2014. Totally forgot about it and this collection agency just recently got aggressive with me. 

I recently lost my job. Just before I did get fired, I was speaking to XXXX XXXX, a debt collector from an agency called XXXX XXXX and I had an idea/plan to make the arrangement. I also asked them to grant my brother-in-law 's request to stop calling him as he was my listed reference at the time. XXXX said ofcourse and let me know he was removed. We were supposed to talk at the end of the week but unfortunately I lost my job. I felt like the world came crashing down on me. Ever since, they became very aggressive in collecting that debt from 2014 payday loan that I owed. They already spoke to my brother-in-law and a week ago I asked to grant his request to be removed from their system which XXXX XXXX agreed to. However, they called him AGAIN!!! I called XXXX to let her know my situation. XXXX XXXX was very rude. And when I asked what happened to the request of my reference to be removed, she blamed it on their system. I was working in the industry using similar account/info system. It does not take a week to delete a reference on a customer 's account. I know the laws in California and you're only to make contact once and NOT supposed to leave a message. As it turns out, my brother in law and I are no longer in speaking terms. Please educate this agency.

Company response to consumer: Closed with explanation