vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
My identity was stolen as part of XXXX XXXX hack. A XXXX XXXX Two accounts were fraudulently opened using my name. According XXXX records two accounts were opened. One in Georgia using another persons name not my name. The other in XXXX Louisiana using my name. No payment were ever made on the fraudulent accounts. The accounts were subsequently sold to various collection agency. The amount for collections was {$800.00}. None of my current or previous addresses listed on my credit reports are in Louisiana or match the address in Georgia. I have never lived in Louisiana. I do not know the the exact time the accounts or the properties where XXXX delivered service fraudulently. I do not know the account numbers. 
When the XXXX hack took place I locked all of my credit reports. So new accounts could be open in my name. My credit reports remain locked. 
Currently, Credit Management Lp. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is attempting to collect the fraulent debt and is listed as a collection on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX. 
Both XXXX and Credit Management the collections agency have been contacted. The company 's dispute forms for identity have been submitted to both organizations with the requested documentation. No actions have been taken by either organization. As a victim of identity theft. I am being victimized subsequently by these companies. The debt is not mine.

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 2020-06-18 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: Nevada Credico, Inc.
State: AZ

Complaint narrative:
QUANTUM COLLECTIONS is reporting to the credit bureaus that I owe a balance on a account that I have never opened nor provided my authorization for the account to be opened

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/2020, my Old Navy Visa Credit Card was upgraded to a Navyist Credit Card without my knowing or request. My rewards balance of {$660.00} of Old Navy store credit was removed from my account when I was upgraded. 

On XX/XX/2020, I called the Synchrony Bank customer service and was told my rewards balance would show the {$660.00} of Old Navy store credit in my account within 1-2 billing cycles, and that this was the first cycle. 

On XX/XX/2020, I called the Synchrony Bank customer service when I still had not received the {$660.00} of Old Navy store credit in my account. Synchrony Bank said {$560.00} rewards dollars were spent from my account, and had specific dates the rewards dollars were spent, but was unable to provide locations or any other transaction details. I had not spent any of my rewards, and Synchrony Bank opened a fraud dispute for the missing Old Navy rewards. I was told I would receive a letter showing the details of the rewards spent at Old Navy within 1-2 billing cycles. I never received this letter. 

I received a letter about a week later dated XX/XX/2020 stating a replacement " Shopping Pass '' will be issued in my next statement. I received {$15.00} in Old Navy store credit in my XXXX statement, and {$250.00} in Old Navy store credit in my XXXX statement. 

As of today, XX/XX/2020, my account shows {$0.00} in Old Navy store credit, but I should have a balance of {$660.00} to use as Old Navy store credit. I have spent spent none of the Old Navy store credit rewards from my account. The {$260.00} Old Navy rewards  dollars issued in XXXX and XXXX have since disappeared from my account without me using 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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I changed my address on file with this lender as I am temporarily living abroad at the moment and it would make it easier for me to receive my mail. Much to my surprise, when attempting to use my card, it got restricted. I attempted to reach out to FNBO twice and I was told everything should be okay and my activity would resume within 2 minutes time. When that did not happen, I contacted again to be told in a derogatory tone that someone living in XXXX ( this was referring to me ) had attempted to call multiple times before about this matter and that my account was still on hold. I would like to add that I passed every single verification question presented to me. 

Much to my surprise, my account has disappeared from my online area and I am being told that a research department needs to review the fact that I have a foreign address. And that I attempted to do a transaction larger than my credit line ( {$3000.00} attempted transaction when my credit line is of {$2800.00} ). For this lender, these are " red flags ''. 

Since opening this card in 2017, I have never been able to get a credit line increase with this lender. I have consistently experienced a discriminatory tone when speaking with FNBO representatives due to my XXXX name. My account is equally frozen or restricted whenever I travel despite maintaining a consistent payment history. 

I do not think this is acceptable and I believe I am facing credit discrimination. 
I have heard the lender make negative comment about my national origin ( XXXX ) and I being refused access to my credit card even though I qualify for it. I have passed every single verification question presented to me and it is my belief that I am being denied access to my credit card account for discrimination reasons.

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 2020-06-18 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have a car loan with Santander consumer usa since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Filed for Chapter XXXX Bankruptcy. 
Judge sent Wilshire / Westlake Financial Services the papers. 
They refuse to release the Lien. 
Every time I call, they say that this is the first that they heard of this. 
No attempt is made to remedy the amount owed.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
On XX/XX/2019 a man came to my door to sell a vacuum cleaner. He stated i had 24 hours to return it if I decided that I didnt want it. I phoned the gentleman that sold me the vacuum ( his name excapes me ) and he stated that he couldnt pick it back up because he was headed to XXXX and wouldn't ba back until late ( at this time we are now 16 hours into having the vacuum ). I reminded him that i only had 24 hours. He told me not to worry that it would not count against me. He came back 48 hours later ( approximately ) with his wife in a mini van to pick it up. He kindly said that he regrets I couldn't keep it as he was in a contest for the employee that gets the most sales, at that he left. Now I am being charged along with interest for this vacuum I never used and do not have. When speaking to a XXXX rep ( financial service for the vaccum ) they said the vacuum was not in the possession and I am responsible for it. Im now on the hook for {$1200.00} ( the original amount ) plus interest for the total sum of {$2200.00} I am highly upset because not only do I not have the vaccum XXXX to be exact, It has had a very negative impact on my credit. The interest continues to collect and is very stressful. XXXX os the original creditor and it has now been put in collections with Monterey Collections Services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Eastpoint Recovery Group, Inc
State: CA

Complaint narrative:
Received a voicemail from XXXX about a claim. Then they left my mother a voicemail as well. 

I called and spoke to XXXX XXXX 1 ) he never verified my address, social or date of birth, none of the 3 2 ) I told him he should not call my mothers cell phone, not sure where they got her number from 3 ) he wanted me to settle in full or pay {$600.00} in order to initiate a payment plan, I mentioned I can only do {$100.00} a month max 4 ) I mentioned I was unemployed, and he said to use my covid edd payment to pay my bill 5 ) then he said to ask my mother ( I dont even live with her ) 6 ) threatened he was going to tell attorneys that I dont want to pay 7 ) I asked for debt validation, and his response was that he wasnt a monkey that was going to mail me anything

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have received that capital one declined my previous request, which is still keeping the account that I did not open on the file. But I have a XXXX to prove that I am not in the United State from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX. And capital one said that the account is opend online. So if the account is open online, how about the transaction? I believe all the truncations that they made is in the UNITED STATE. I am not in the United state, how am I suppose make any transaction in the state?? Once again, I can not use my phone during XXXX XXXX  training started from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. How am I suppose to make that payment in XX/XX/XXXX? I do not really get the points that capital one keep saying its not open fraudulently. I have prove that I am not here, so show me all the transactions that is on the account please. The website for XXXX is below : XXXX XXXX XXXXXXXX XXXX XXXX I will keep fight for my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: NY

Complaint narrative:
My previous complaint # XXXX was closed without me answering back to this company. It is not fair that i am not allowed to also respond back and my comp [ lain is simply closed when i belive my rights have been violated.. i am putting in another complaint with my response. Below is my original complaint. Flagship Credit Acceptance wrote the CFPB back with a response and documentation which i attached. 

I wrote Flagship Credit Acceptance in regards to a repo listed on my report. I am not denying the account however i do not believe the amount they are claiming i owe is correct. They are reporting an amount on my credit report that is not accurate. I was never sent any letter in the mail in-regards to the sale of the vehicle. i was never sent a detail breakdown / deficiency balance nor was i sent any documents showing the fees or how much they received from the sale of this vehicle. They sent me statements of my payments when i did have the car but not the original letter with the sale. I believe state laws do require that a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time was adhered to. When the car was sold these documents was never sent to me.

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 2020-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My partner received a phone call today regarding a civil dispute and requested a call back within 72 hours. I told her that I thought it was a scam, but she should call them just in case to see what it was about. She called them back and they asked her if she knew me, she responded Yes and they then asked for her to relay a message. At that point, I simply took over the call and asked how I could help them. 

The lady introduced herself as XXXX XXXX and stated that she was a Case Manager for XXXX XXXX XXXX XXXX, a law firm contacting me on behalf of the client Wachovia Bank/Wells Fargo related to a checking account that was opened in XXXX ( closed in XXXX and charged off in XXXX ). When I requested validation and verification of the debt, I was sent an email entitled Settlement Offer. When informed XXXX that this was not sufficient to verify the validity of the debt, she became defensive and stated that if I didnt care about my credit and finances she didnt. She then proceeded to threaten legal action, to report the account to XXXX and threatened to freeze my financial accounts. I told her that I wasnt paying a dime on an account that I knew was in good standing at the time of closure and unless she could provide a legitimate validation of the debt, she could go to XXXX and I hung up the phone. 

I reached out to Wells Fargo and was informed that this was a scam. They are not trying to collect any debt on any account that I previously had with them and that an account did not exist with the account number I was provided. 

I was also transferred to the collections department who stated that this was a scam and informed me that Wells Fargo does not contract with third parties, including law firms in an effort to collect debt - they keep all accounts in house.

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My statement ending XXXX had a due date of XX/XX/XXXX Then I receive a new statement with a due date of XX/XX/XXXX, with an interest charge added of XXXX with a date of XX/XX/27, before the previous statement was due This new statement cycle was only 16 days, below the minimum in the card member agreement. 

This {$60.00} interest charge is an error, I should not have been charged interest before the payment was due

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 2020-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2015, my wife and I had a new loan set-up for our mortgage in the amount of {$460000.00}. Prior to our closing date and loan agreement, XXXX XXXX XXXX, our loan officer and his supervisor, XXXX, called us to meet at the bank. The four of us met at their conference room and they both explained to us that they ( Wells Fargo ) had made a mistake. Our loan had passed underwriting but since our loan was a FULL V/A loan the maximum allowed loan at the time was {$410000.00}. We were given three options, one : re-do the loan with the correct amounts, two : go to another bank to finance the loan and they would help us ensure the loan was approved or three : keep the loan as is and the WellsFargo would pay the difference for their mistake. We chose option three.  They further explained that we had to open up an account with them, Wells Fargo, so that the loan could be originated before they could pay any monies to the account and the difference would be paid in two payments. The difference from {$460000.00} to {$410000.00} ( max VA allowable loan ) is {$44000.00}. On XX/XX/2015 we opened up an account with Wells Fargo per their request and our new loan was set up in the amount of {$460000.00}. On XX/XX/2015 WellsFargo made a principal payment to our account in the amount of {$23000.00} leaving their balance at {$20000.00}. Instead of correcting the loan amount and setting it at {$410000.00}, Wells Fargo set us up for failure from the beginning and set the loan amount at {$460000.00}. We request the remaining balance of {$20000.00} Wells Fargo promised to pay be paid in full to our account immediately.

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 2020-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am attempting to connect my PNC Checking Account to my XXXX  account and PNC is not allowing the transaction to go through effectively limiting my access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
I Obtained a conventional mortgage through XXXX in XXXX of XXXX, Mortgage then went to XXXX XXXX XXXX then from XXXX to XXXX XXXX. 

While at XXXX, I applied and my mortgage was modified by the HAMP modification program ( unsure of date ). Loan was then transferred to Rushmore Loan Management in XXXX of XXXX. 

According to my original loan documents my PMI was scheduled to terminate in XXXX of XXXX. I inquired with Rushmore Loan Management, about PMI termination. During an online chat on Rushmore 's website I was given a PMI termination date of XX/XX/XXXX and was advised to submit a request to the PMI department through Rushmore 's online message center, I did and then received a letter, by mail, denying PMI termination dated XX/XX/XXXX. Reasons listed in the PMI denial letter : " It must be at least two years since the origination of your loan '' and " based on the recent appraisal ... XXXX '' while the last sentence reads " We have been unable to contact you to schedule and/or perform and appraisal of your property '' My complaint is that my original loan documents should take precedent and that my PMI " drop dead '' termination date can not be pushed back due to the HAMP modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Monday XX/XX/2020 I hired a contractor, which ended to be a scam, and I sent him {$4000.00} dollar from my account at Bank of America through XXXX. As it resulted as fraud contractor, I called the bank to support me with fraud but they say that my transaction was like given cash. I was not aware from the bank how XXXX works. As a customer of Bank of America I felt that they dont protected me.

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 2020-06-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am an authorized user on my mother 's credit card ( XXXX XXXX ) with Capital One. Capital 1 is not reporting the account to the 3 credit Bureaus, which they are supposed to be. Capital 1 was reporting with one bureau which wasXXXX and it was deleted from the credit report and XXXX indicated that Capital One is the creditor that removed the account and XXXX  indicated that the creditor Capital One would have to reinsert the account on the credit report. I am baffled as to why the account is not reporting to the bureaus and want the account reported to the three bureas immediately, XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief