vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
American Coradius International LLC ( ACI ) has been calling my number 3 times a day for the last 45 days ( more than ~130 calls in total ), claiming I owe XXXX XXXX , {$790.00} in debt. I have have or have had a XXXX account. 

They provided the following information : Account number : XXXX Reference number : XXXX Amount : {$790.00} After multiple attempts of me telling them to stop the harassing and repeated calls, throughout the day, they have still continued to call me and recently also sent me mail via USPS on XX/XX/2019, demanding that I pay this debt that is not mine. 

I called XXXX ( who ACI claims is the original creditor ) and they confirmed that I had no accounts, amounts owed or any form of debt with them. It appears that ACI is trying to scam me ( and others ) by creating fake debt collection requests without any authorization or demand from original creditors. 

The Debt Recovery Agency 's full name and informations is as follow and appears fictitious. Oddly, they provide two addresses for their operations which is very suspicious as well. 

American Coradius International LLC XXXX XXXX XXXX XXXX, TX XXXX American Coradius International LLC XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo states I owe them XXXX dollars in student loans, though I have student loans with XXXX which I can prove and XXXX is also reflected on my NSLDS correctly. I have filed against them with the settlement a year ago and when I call for follow up I don't get an answer or they diverte the question. They told me if I pay them XXXX dollars it will all go away. Since all of this it killed my credit score and I get harassed with phone calls. I have told them to not call. Also, I have had uncountable fraud charges over the years. Please help me. I am trying to buy my first house at XXXX and live my life but this is stopping me. I am responsible and have made all my student loan, car loan and any other payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 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: CA

Complaint narrative:
Capital One Bank refused to refund a fraudulent repeating charges on my card ( {$25.00} charges evert month without my authorization. ) Plus Capital One Bank blocked online access to my account and transactions information on my credit card. An employee at customer service line hung up on me when I requested to transfer me to his supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Syncrony Bank set a disproportionally high monthly payment on the balance on my CareCredit card, and refused to reduce it to normal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX I wrote to you and my complaint number was XXXX in reference to a line of credit I have with TD bank. You reached out to them and they informed you they were going to work with me by reviewing my tax returns to either reconsider the loan or convert my line of credit to a lower interest rate using a property of mine that is free and clear as collateral. They ( via conference call XXXX XXXX and XXXX XXXX from TD bank the vice president XXXX and XXXX the Manager ) reached out to me on XXXX offering these options and requested my signature to pull my credit and 2 years tax returns. I gave them both XXXX due to the holiday weekend. 
Through a series of emails and phone conversations over a few months, always initiated by me and I have track of them all, they have informed me that the bank did in fact make a mistake that there was no problem with my credit report and in fact the original concern of a XXXX charge off was handled and was not charged off, XXXX removed it from my credit report as it was an error. My credit score was never in question that it was XXXX when the line of credit was opened and has since gone to a XXXX with no deviation in the time frames. 
With that being said they never carried out the options they told me they would as per their response to you in my initial complaint. They told me they could not for whatever the internal reasons were re instate the initial line of credit but would then use my property for collateral. They have not done this. I have no idea what they are doing cause every time I call them or email them there is a delay and I believe they are lying to me. The proof is attached cause they have asked me to sign documents sent to me that is stating my loan is XXXX when it is a line of credit for XXXX. They didn't send this to me until XXXX told me I had to have it signed by XXXX. This banking institution cant possibly be following any guidelines and are totally frustrating me as a consumer.They are even charging me over a {$100.00} a month late fees during this process when I am in fact paying on my account. These fees are incorrect. I feel someone should never have to go through this process. If you notice since my last complaint it has taken them 4 months to send something to me of which I thought was relating to my collateral property and that process and it is the original loan I wrote to you about but now at an even higher rate. I please need someone to work with me along with this bank cause nothing is being resolved and I am still paying my monthly interest installment being patient during this whole process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
I have a letter with a statement claiming that I owe Velocity Investments , LLC {$6600.00}. Under my full credit report that account was closed off and written-off since XX/XX/XXXX. They also claim that I executed and delivered a contact to XXXX. XXXX XXXX. Which is a clearly false allegation. Since I was the one purchasing a vehicle from them in XXXX. Velocity Investments , LLC havent once sent me a letter or any documents that have proof that they are clearly the owner to the herein. They also claim I had more than one account with XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Yearly habit of not paying our home owners insurance from the escrow account. Letting our policy expired then threatening us with increased in mortguage payment and shorting our escrow account. XX/XX/19 HOMEOWNERS INSURANCE NOT PAID FROM ESCROW DESPITE receiving the bill from XXXX XXXX. This is a yearly occurance from this mortguage company Loan care out of XXXX XXXX.Please read below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information about this consumer to one or more consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure of whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: TN

Complaint narrative:
My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: NY

Complaint narrative:
IVE BEEN DISPUTING THE INACCURATE INFORMATION ON MY CREDIT REPORT SINCE XX/XX/2018. IVE  ALSO SENT COPIES OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD MULTIPLE TIMES AND THERE IS ALWAYS A PROBLEM MOST RECENTLY I WAS TOLD THAT THEY COULD NOT READ THE IMAGES SENT TO THEM. IVE JUST RECENTLY RECEIVED MAIL FROM EQUIFAX TELLING ME THEY COULD NOT LOCATE MY CREDIT FILE WITH MY IDENTIFICATION I SUBMITTED TO THEM. IF THIS WAS TRUE WHY DID THEY SEND ME A EMAIL STATING THAT THEY A PROCESSING MY DISPUTE BUT THE ONLY THING THEY ARE DOING IS UPDATING A XXXX ACCOUNT WHICH IS NOT MY ACCOUNT I NEVER HAD A XXXX ACCOUNT BUT THEY KEEP UPDATING THIS SAME INFORMATION BUT NOT RELEASING THE INFORMATION ON HOW THIS ACCOUNT IS BEING VALIDATED. EQUIFAX SHOULD NOT BE RESPONSIBLE FOR HANDLING CONSUMER ACCOUNTS BECAUSE THEY ARE UNRELIABLE IRRESPONSIBLE AND REFUSE TO INVESTIGATE DISPUTES ACCURATELY BECAUSE IF THEY DID THIS INFORMATION WOULD HAVE BEEN REMOVED OVER A YEAR AGO BECAUSE IVE NEVER OWNED A XXXX   ACCOUNT AND I NEVER LIVED AT XXXX XXXX XXXX XXXX NY XXXX. HOPEFULLY YOU CAN MEDIATE THIS SITUATION BECAUSE MY NEXT STEP WILL BE SEEKING THE ADVICE OF LEGAL COUNSEL. EQUIFAX IS LITERALLY RUINING MY LIFE BY REPORTING INACCURACIES ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 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: FL

Complaint narrative:
I notified each of the credit bureaus that XXXX XXXX XXXX ( XXXX XXXX ) XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Sir In years XXXX through XXXX I received many hostigating calls because amex increase the interest until 27 or 29 % An recently saw that the customers won a demand for this for XXXX XXXX  I WANT TO KNOW HOW I CAN CLAIM MY BENEFITS because I was affected with that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-31 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: FL

Complaint narrative:
I notified each of the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently signed a lease for renting an apartment on XX/XX/XXXX at The XXXX at XXXX, XXXX, Florida-33177. The leasing office with the help of " XXXX '' - a screening software provider to the rental real estate industry, requested duplicate Hard-inquiries on my credit for the same report. I called the apartment leasing office, XXXX, and Equifax, but none of the three offices acknowledged that they made the mistake. I also requested them to help me to remove one duplicate report from my credit history. 

It mostly the Equifax which is the agency run by some novice people. I spoke to a customer service agent and she kept asking questions one after another ( more 10 questions ) including how much balance available on my different account to just verify my identification. I feel that this just a violation of my personal information and abuse their power. At the end she even could not verify my identity and help me at all, just wasted my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I have been dealing with Bayview loan services for approximately 3yrs now since they bought my Mortgage from XXXX. I fell behind on my Mortgage when I was laid off by my employer. I have been in a modification program with Bayview and during this time I've had difficulty contacting them to make my monthly payments. I've spent days trying to contact Bayview to make my trial modification payments. Just recently they refused to take my monthly payment stating that they were missing a signed document. Mind you I've been making payments on the modification up to this point. Because they refused the payment it voided my modification program and now Bayview is filing for foreclosure on my home. How is this legal? I was approved for the modification program by Bayview and had been making my monthly payments on time and they randomly refuse my payment. How can I save my home? I don't want to sell my home nor do I want it to be foreclosed on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I've tried reaching out three times with no response I specifically asked for the collection letter to be sent so that's I would be able to confirm and make payment by mail, I have not yet to receive any paper by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Never received bill in month if XXXX but when i received XXXX bill, I saw missed payment and paid required amount. 

Phone calls from the bank coming all hours of day and night. Had to install robo killer device on cell. The continue to disquise calls as unknown. I request them to stop as payment was made electronically thru my bank and confirmed delivered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-31 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: MI

Complaint narrative:
This is a problem with Experian, XXXX, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX Plan-it ( copyrighted ) service. These companies refuse to acknowledge the function that " Plan-It '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " plan it '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the 1970 's with a fax machine, they need to educate themselves in modern-day 21st century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... XXXX + XXXX XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to transfer {$15000.00} to XXXX XXXX XXXX from Bank of America in Florida. I have been with Bank of America for 15 years. I opened an account with XXXX XXXX XXXX   XXXX XXXX. On XXXX XXXX XXXX I transferred the money on line. When the transfer asked me what bank I wanted the money to go to I typed in XXXX  XXXX  XXXX. It would not take XXXX XXXX XXXX  and instead automatically put in XXXX with me as recepient.

Every time I tried to put in XXXX XXXX XXXX it kept reinstating XXXX. I finally left it and continue transfer. I thought at that time that that it just stood for a federal bank and when you made a transfer on line it did not specify the name. I continued with the transfer and someone assisted me on line with rest of transfer. I put in the account number of my XXXX   XXXX account and also the routing number of the account. I waited 3 days for XXXX XXXX   to get the money. It never arrived. When I checked the status of the transfer at Bank of America on my account on line it showed the money was transferred to XXXX with a completely different routing number and account number. So someone at XXXX has my money in their account. The routing number I put down for transfer to XXXX was XXXX. The routing number to XXXX  is XXXX. Not even close. It was changed. Also account number changed.

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