vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
Hello, XXXX XXXX This is a reference to a dispute for account XXXX XXXX with FAIR COLLECTIONS & O. The original Creditor is XXXX XXXX  BY XXXX, an apartment leasing company, Situation : Hello, I applied for an apartment with XXXX  paying a {$75.00} application fee. I was told that I did not meet the income requirements for approval and that no charges were due. So I continued my search. 

I later received an email stating I was approved for the apartment with a guarantor and that a {$1000.00} charge was due ( deposit, admin fees, locks ) or the account will go to collections. I had no guarantor. 

I called the company and advised I was told that my application was denied so I began to search elsewhere. 

During my phone conversation, the agent demanded that I pay the security deposit and associated fees for the approval with the guarantor. Again, I had no guarantor. 

I asked why was the denial reversed and why did I suddenly have a {$1000.00} charge. I was told my application was approved if I could find someone to co-sign. I advised I did not have a guarantor, nor was a third partyguarantor associated with the application. I am a single woman. This was denied because I did meet the income requirements. 
The leasing agent became predatory, stating I owed {$1000.00} for approval with a guarantor. I told the company there was no guarantor however they stated I owed them money. 

Dispute : The company denied the application because I did not meet the income requirements. This company later fraudulently approved an application in which I did not qualify to collect {$1000.00}. I have not signed a lease, moved in, or shown any interest in leasing with this company after I was told I was denied and told no charges will be due. 

The company claims I owe the money because this application was changed from denied to approved if I can find a co-signer, which I did not have. 

Resolution : I am seeking a resolution to have this removed from my credit report. This application was denied due to my income, which means no fees were due and that I am not obligated to pay for a deposit, admin fees etc. 

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 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
CashApp aka Square Inc closed my account with 0 notice with a balance of {$650.00}. They gave me an option to transfer monies into my bank account, so I did that. I went to the bank and pulled transaction notes and they reversed my {$650.00} And its no where to be found

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
Machol & Johannes , LLC put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I contacted Bank of America inXX/XX/2019 to report my original mortgage was written incorrectly. It is a two-family, as detailed in the deed, but only my apartment is listed in the mortgage, originally with countrywide. I pointed this out to Bank of America and it sent me correction papers, which included the ability to change my name on the mortgage back to my maiden name and take my ex-husband off the mortgage. all these things are correctly stated in the deed. 

I sent all documents, signed back to Bank of America, on XX/XX/2019 and as of now they can not find the documents ( I had to send the documents to the representative!! ) and can not acknowledge I can do any of these corrections without refinancing! This was not stated to me before. The man who is helping me is very elusive and will tell me nothing! I want to know what is going on! 

Bank of America made this offer to me, without having to refinance but they will now not answer me definitively!

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 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX put a levy against my bank account without serving me on the suit. I was never once contacted by them, even though they claim the attempted to serve me multiple times. I travel for work and between that and other obligations I am rarely home. They claimed I received the papers on XX/XX/XXXX but I never once spoke to a person, received notice or even mail from them. 

They have frozen the funds in my bank account ( {$1900.00} ) all of the money I have to pay my bills and live. 

They email they had given me is returning as blocked, when I was trying to reach out to the company to provide all the documentation and paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: AMERICAN HONDA FINANCE CORP
State: KS

Complaint narrative:
I spoke with American Honda Finance Corporation numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by American Honda Finance Corporation this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. Honda Financial Services sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by HFS, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
On XX/XX/2020 at approximately XXXX XXXX  I was called by phone number XXXX. When I answered the phone line was silent for a moment and went dead. I attempted to call the phone number back and I was put into touch with Radius Global Solutions. When I requested to know why the company was using an  autodialer that was disconnecting calls I was told that they do not use an autodialer. I then asked who called me and why they disconnected the phone line. I was immediately transfered to a supervisor, XXXX, who once again stated they did not use an autodialer. He said I called back the wrong company ; however, my phone record will show the call came from the number I called back. I asked why one of their employees called me before immediately ending the phone call. The supervisor began asking me intrusive questions and when I refused to answer he said that the call was noted as " refusal to authenticate. '' I asked him how me saying " hello '' was refusing to authenticate. He refused to answer and said they would investigate it. Now I fear that if my phone number is in their system the company will continue these harassing and disruptive practices of calling me and hanging up. It is even more concerning that employees are the ones doing this.

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 2020-02-19 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
See attatched Transactions on statement XX/XX/XXXX. See attached Transactions XX/XX/XXXX. See attatched Fraud Letter dated XX/XX/XXXX. THE XXXX XXXX CREDITS {$120.00} REVERSED. Kindly note XX/XX/XXXX statements transactions XX/XX/XXXX temp credit of {$120.00} to begin fraud investigation CONFIRMS USAA Reports fraud I DID NOT REPORT SLANDERING. ( rep XXXX XXXX lies ) MY NAME TO CFPB. & CRAs ( USAA ACCUSED ME OF REPORTING FRAUD ON A RETUNED ITEM XXXX XXXX {$120.00}. XX/XX/XXXX ). USAA began a fraud investigation XX/XX/XXXX. Kindly note statement XX/XX/XXXX transactions do NOT SHOW USAA BEGINNING fraud investigation on XXXX XXXX {$120.00} with temp adjustment credits in XXXX OF XXXX THIS SHOWS FRAUD INVESTIGATION BEGAN. XX/XX/XXXX AND WAS REVERSED XX/XX/XXXX XX/XX/XXXX. ** WITHOUT ANY USAA CREDIT APPLIED. USAA LIES AND LIES. THIS IS DEFAMATION AND FRAUDULENT ACTIONS OF REVERSALS. I believe this is done to CREATED CREDIT REVERSALS when USAA gave NO PERMANENT CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
capital one : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about Capital One credit card customers and individuals who had applied for our credit card products. this could be it XXXX  : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX XXXX  of California, ... 

[ Message clipped ] View entire message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter Experian, XXXX, and XXXX on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.

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 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I received a letter from CMRE demanding payment for a medical bill in the amount of {$55.00}.

I have made several attempt to explain to CMRE the debt does not belong to me.

CMRE knows this debt does not belong to me, but continues to harass me with this demand for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC
State: LA

Complaint narrative:
Since 2017, McNeil & Meyer has been trying to collect a debt for XXXX XXXX. Throughout that time I have denied the validity of that debt and have asked for debt verification. Previously, they had called me and sent mail to my house. I had not responded because I believed it to be spam and/or fraud. Last year, I disputed the debt and asked for verification of the debt through XXXX  online. At that time the debt was taken off my credit. However, it was put back on my credit report in XXXX of this year and it still has not been verified. Previously, I had disputed the debt and had not been provided verification of said debt. I will be sending a verification letter in the mail, today.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/2019 I called Capital One customer service about a email i received about my online access to my account be " locked '' but an email stating that it was a " easy fix '' and to please call them to get it fixed. When I called on XX/XX/XXXX I was told to check back them within a couple days to follow up. I called multiple times the following month in XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and today the XXXX for a final opportunity to tell me whats wrong with my account access. I put through another formal complaint on the XXXX of XXXX where I was told this issue should ben resolved within 10 business days. Today is the XXXX and I am still locked out of my online account access. I can not pay my bills online, see my deposits, or withdraws. I did try going to a local bank branch where the Manager could not access my account either online. Capital One told me that they can see my account online on their end but they can also see where i have had a problem accessing it through my personal computer, tablet, and phone. ( please see my attachments for proof of email through capital one about the issue ) Capital One keeps telling me that their " digital resolution team '' has put this as " high importance '' but its been over 20+ days and still no answer. Capital One did however admit that this is a problem on their end that started this whole issue. They referred to it as a " data profile '' issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX  on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XXXX of XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to Experian on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XXXX of XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

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 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a letter XXXX, Transunion, and XXXX  on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.

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 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter XXXX, XXXX, and Equifax on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below :  XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief