vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This is re : case XXXX. I sent you a complaint ( XXXX ) on XX/XX/XXXX. If you look back at that you will see what occurred. I have been with Bank of America for 34 years. On XX/XX/XXXX, I attempted to make a withdrawal of {$400.00} from an ATM in XXXX, CT. The machine, which I had used numerous times previously came up with a message on the screen that the transaction could not be completed at that time XXXX not exact words ). It was not due to an overdrawn account. I asked inside the bank and they said they would look into it. A couple of weeks later, I saw on my online banking that {$400.00} had been debited from my account on that day. Also, they charged me for 4 overdrafts amounting to {$140.00}. I made numerous claims. All were denied. I then wrote to the State of CT, Dept. of Banking who forwarded the information to you. I was contacted by 2 employees eventually, Mr. XXXX and XXXX XXXX. They were supposed to contact me on XXXX XXXX between XXXX-XXXX. When they didn't I left a message on their voice mail and wrote to you. I was finally contacted by Mr. XXXX after I left my message and wrote to you. They, of course, denied me again and very importantly refused to show me the proof they said they have. They keep saying I need a subpoena, but in CT that is only required if it is a court case. If they really think they are right, they should want me to see the proof. But they can't have proof because I never got the {$400.00} that day. I walked out of there with my ATM card. I have called the Judicial Dept. and I can't get a subpoena without an attorney. I can not afford that since I am on XXXX and get very little from Social Security. They have told me that I only need a subpoena of any kind if it is a court case. You would think after 34 years they would want to show me some consideration. Mr. XXXX was not very business-like when I last spoke to him. He continually spoke over me. I would appreciate any help you can give me. Thank you.

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 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I moved out of complex on XX/XX/2017 left voice mails gave 30 day notice I placed the key in the drop box and cleaned up complex I was charged for damages and there were no damages when I moved out of complex. complex kept the deposit I paid which was {$300.00} on XX/XX/17 company stated I did not pay deposit but I have receipt of payment stated I skipped during eviction process company never started an eviction process contacted creditors about charges on XX/XX/XXXX company had agreed they have no contract for me as they have sold the company and agreed to close the account out I have spoke with corporate many times in regards to this as the collection agency was very rude and nasty to me when calling would not listen or give me help I was told by the corporate office to dispute the account and the account would be removed from all credit bureaus so far account has only been deleted from 1 bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am looking for a mortgage. I limited all of my mortgage applications to within 3 days of each other. However TransUnion treated each one like a new inquiry and my score dropped 35 points in a week. No activity on my credit other than the inquiries.

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 2019-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
I'm being charged for membership to a country club that I have never visited nor knew of its existence. I barely make enough money to survive and I can not afford any type of membership to clubs or fitness places. This derogatory mark is affecting my credit. Please, see if you can help me to have this removed from my credit report. Thanks. 
Below is a copy of the charge. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Derogatory marks View all accounts Collections M G Credit Opened XX/XX/2016 {$2200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$2200.00} Highest Balance {$2200.00} Opened XX/XX/2016 ( 3 yrs, 2 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: GA

Complaint narrative:
I have no knowledge of this collection account, please remove it from my credit.

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 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Services Collections, Inc
State: TX

Complaint narrative:
To whom it may concern, Last XX/XX/XXXX Account Services Collections , Inc left a voice message in my personal cell phone asking me to contact them regarding a debt. A few days later ( a week or two ) I called back. A woman picked up the phone and after confirming my old address -from 2 years ago- and my current address, she informed me that I had been called by mistake regarding an old account. 

That made sense to me, as I had not received any debt validation letter, as they are obliged to within 30 days of starting collections, and I do not recall having ever provided consent to receive phone calls from Account Services ( or provided them my phone number ). This is because I share the phone, with my wife, who has access to my voice messages, and after she heard the message, she got seriously concerned and harassed me with questions. 

Today, XX/XX/XXXX I received a notification from XXXX that my credit score substantially dropped. As Im currently in the process of buying a car, Ive been monitoring it closely. When I pulled my credit to check it, I was outraged to discover that Account Services has reported a medical debt that Ive never heard about ( not even when I called them! ). 

This company should definitely get closed. I already had problems in the past with them for inexistent or inaccurate accounts. They have made me lose time and money, caused me public embarrassment, and huge distress.

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 2019-08-31 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/2019 XXXX Account Hacked BOA Credit Card used for digital software downloads {$490.00} Dispute filed with BOA and XXXX Unable to track where software was downloaded. 
Advised to contact police and file identify theft. 
Identity has been stolen to make an online purchase.

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 2019-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no knowledge of this collection account, please remove it from my credit.

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 2019-08-31 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There is a charge of {$31.00} on my GM MasterCard that happened on XX/XX/2018. I claim that two billing cycles went by after that {$31.00} charge where I received NO paper bill per my account settings. When I noticed an email notification that the account had been frozen I immediately called and paid the account, and requested a review of the paper billing process. I also requested that CapitalOne remove the derogatory information from my credit report, as I feel that either the mail, or the CapitalOne billing system failed to deliver a bill to me. Please note that the delinquent amount reported was for this one {$31.00} charge plus a couple of late fees. There is hardly any reason to assume financial hardship on my part as a reason for the late pay, and furthermore my credit score at  the time was better than 800 I've never missed payments in the past. 

I will attach two rounds of recent communication w/CapitalOne where I once again ( recently ) requested that they remove the derogatory information from my report. 

The first letter from me is rather lengthy, as I wanted to address the things that CapitalOne representatives told me by phone when I initially tried to resolve the issue late last year by phone. Aside from addressing those phone calls, the essence of request # 1 is " I didn't receive a paper bill, can you please remove this information from my report? ". Their response was to recite a fact that is not being contested, ie " the payment posted late ''. Yes, the payment posted late because I was not billed. 

The second letter from me is quite brief. I ask CapitalOne directly what is their policy when a customer claims to have not received a bill in accordance with the account settings ( in this case, a paper bill delivered by U.S. mail )? Their reply is quite stunning, as it totally avoids the question that I asked, and simply restates the non-contested information " the payment posted late ''. 

I do not feel like the responses from CapitalOne lives up to the standards of proper consumer interaction, nor is it consistent with fairness in credit reporting. 

I am requesting that CapitalOne directly answer my letter # 2 questions and/or remove the derogatory information from my credit report. 

Thanks for your attention to this matter. 
Sincerely ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: TX

Complaint narrative:
The debt is not mine and need it deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: IN

Complaint narrative:
My mortgage was closed with XXXX XXXX ( XXXX ) on XX/XX/XXXX. We had a modification in XX/XX/XXXX. The only thing that changed was the interest rate. The loan was Sold to M & T bank ( XXXX ) XX/XX/XXXX. I noticed on my credit report that the maturity date changed from XX/XX/XXXX to XX/XX/XXXX. I called M & T bank immediately. They told me the modification changed our entire mortgage. I called XXXX and they faxed me the modification closing, showing the original maturity date of XX/XX/XXXX. I sent a copy to M & T and then called them. They received it and can clearly see that their records are incorrect, yet they refuse to update my paperwork. This is an egregious error and they need to fix it! Please help!

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 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Total Card, Inc.
State: CA

Complaint narrative:
To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called TOTAL CARD INC saying that they represent XXXX XXXX. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a XXXX XXXX account which was paid off on XX/XX/2017 according to my XXXX report. And the account with XXXX XXXX is XXXX. I also checked my credit report that shows my XXXX XXXX education account was paid off already. I had tried calling this company with no person picking up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I want to submit a complaint towards Shellpoint Mortgage XXXX XXXX XXXX XXXX MI XXXX regarding unfair and suspicious escrow practices. This past XX/XX/2019 this mortgage company claimed I was short escrow by 5000 plus dollars and increased my payment by 500 about dollars to be a now unaffordable payment that I can not afford. They are now sending me certified mailings threatening foreclosure. They are calculating my escrow to be XXXX plus dollars a month which yearly adds to well over 12000 dollars. My town taxes hazard and flood insurances dont come anywhere near that amount and I can not get a satisfactory answer why it is so high. This has happened before and I had the escrow payments spread out so I could afford the mortgage. Now that it has happened again im at my wits end. Im afraid of losing my house and I dont know what to do. Im hoping Hud can mediate and get down to what exactly is going on with my escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
I just received a summons that Im being sued by Velocity Investments , llc. This is the first correspondence Ive received from this company regarding this matter.

After reading through the summons they are suing me over a loan from a bank Ive never taken a loan out from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: GA

Complaint narrative:
There are two collections account in my credit that I do not recognize, I have no knowledge of these account .Factual information is attach for you to review, please remove these account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
This is not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
My credit and personal information is in " SageStream , LLC '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 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: LEXISNEXIS
State: GA

Complaint narrative:
There are two collections account in my credit that I do not recognize, I have no knowledge of these account .Factual information is attach for you to review, please remove these account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
To whom it may concern, I received a collection notice with the amount of {$2900.00} from a collection company called XXXX XXXX XXXX saying that they represent Citizens Bank. With the file number of XXXX. They offered me to pay 9 monthly payment of {$98.00}. However, I used to have a Citizens bank account which was paid off on XX/XX/2017 according to my XXXX  report. And the account with Citizens bank   is XXXX. I also checked my credit report that shows my Citizen bank  education account was paid off already. I had tried calling this company with no person picking up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My credit and personal information is in " XXXX , XXXX '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?

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 2019-08-31 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: MI

Complaint narrative:
I am currently under contract with a purchase agreement but I can not close on my home mortgage because there are fraudulent accounts reporting on my credit report. I have already notified Equifax and all of the creditors that these accounts have been opened fraudulently without my knowledge and permission. I have already disputed theses accounts twice with Equifax previously and from the first dispute Equifax stated that the accounts were verified and the remained on my credit report. These accounts were opened fraudulently and are still reporting on my credit report. Both XXXX   and XXXX have already removed these fraudulent accounts from my credit report but Equifax remains to report it as you can see in the attached credit report from the mortgage company. With these accounts reporting on Equifax I can not close on my home mortgage. I filed an identity theft report with law enforcement which is attached. If I dont close on my home mortgage by XX/XX/XXXX I will forfeit my {$2000.00} Earnest Money Deposit which is stated on my purchase agreement. I have already extended the purchase agreement previously and can not extend it further. If these fraudulent accounts remain on my credit report and I loose my EMD I will be filing a lawsuit against Equifax and the reporting creditors for damages and violations of the FCRA. This is my final attempt to resolve this issue. The following accounts listed below are the accounts that have been opened fraudulently. XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  XXXX, Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
I have contacted speedy cash, as well as XXXX XXXX XXXX XXXX, fraud department with no success! I am a victim of identity theft someone took out a loan online using different phone number, different email, different work number there for speedy cash can not give me information! When it was in fact taken out in my name and is in collections. Ive tried several attempts to communicate and inform them this is not my account!! XXXX Please help XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Good Day, XXXX XXXX, XXXX negotiated a settlement on my Capital One Credit Card account dated XX/XX/XXXX for an amount of {$3000.00}. The first 24 payments were to be {$120.00} and the final payment due XX/XX/XXXX is {$120.00}. For some reason, in XX/XX/XXXX Capital one sent me a refund check for the amount of the XX/XX/XXXX indicating " no open account found ''. The first 3 payments in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were paid on my behalf by the law firm and then I continued payments, always on time for the amount shown via my bank bill pay function. Documents to support proper, complete payments attached to this complaint. When the refund check was received in late XX/XX/XXXX, I sent a letter via certified mail to the Debt Settlement Negotiator of Capital One, XXXX XXXX on XX/XX/XXXX via certified mail ( copy attached to this complaint ). Enclosed with this letter was the Capital One refund check. To date, no written response has been received from Capital One ; however, Capital One is now negatively reporting this account on my credit reports. Please help. I want to pay the remaining payments as agreed to this creditor. Many thanks!

Company response to consumer: Closed with explanation