vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My XX/XX/XXXXXXXX  XXXX was fraudulently repossessed during the middle of the night by Capital One Auto Finance. There was a settlement for this vehicle in XX/XX/XXXX. The initial Settlement letter offer was dated XX/XX/XXXX and had a suspense of XX/XX/XXXX. The settlement amount was for {$1700.00}. In acceptance of the settlement offer, I had a cashier check made through XXXX XXXX XXXX XXXX   on XX/XX/XXXX for {$1700.00}. The Settlement check and confirmation response letter was sent on XX/XX/XXXX by certified return receipt mail via USPS. Capital One received and signed for the letter on XX/XX/XXXX. The letter referenced the account # and the VIN # for the vehicle. The letter also stated : " I received your account settlement offer, dated XX/XX/XXXX, and agree to pay the settlement amount of {$1700.00}. Upon your acceptance of my enclosed payment, XXXX Cashier 's Check ( gave check # ) in the amount of {$1700.00}, Capital One Auto Finance will consider the above referenced account as Settled in full and no further payments will be required as a result of this settlement. Upon settlement of this account, within 30 days of receipt, Capital One Auto finance will report to all credit bureaus that this account is settled in full and has a {$0.00} balance due/owed for : ( Names were Provided ) and the Vehicle Title will be mailed to me along with confirmation of receipt of payment and settlement. Additionally, No further collection activity will be taken by Capital One Auto Finance, nor will Capital One Auto Finance pursue any further collection activity via third-party collection agencies. '' After they received the payment, they updated the information on both my and my daughters credit reports to reflect " Dispute Resolved ; Reported by Grantor ''. Capital One states the escalation department will take 2-3 business days to investigate the issue. This is causing a loss of employment wages which they should be responsible to pay due to this violation of my rights with said vehicle in addition to the cost for the day care for my granddaughter which is still charged in her absence. The vehicle is currently located at XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I was told I had to make an appointment to go retrieve the personal belongings in the vehicle until the issue is resolved. This includes my granddaughters only car seat. Capital One needs to update their records as settled and also send me the title to the vehicle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08 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: Farrell Holdings, LLC
State: TX

Complaint narrative:
I purchased a car from the seller XXXX XXXX  XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: MI

Complaint narrative:
i didn't authorize these inquires and they refuse to remove them after i stated that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX after rejecting the phone call for debt collector for XXXX  at XXXX PDT ( after already explaining that I do not owe the debt of {$130.00} ) they immediately called back XXXX PDT. I was out of town in California, so receiving calls at XXXX PDT wasn't fun either. But the audacity to call back immediately after rejecting the call really takes the cake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: FL

Complaint narrative:
Due to my undoing battle with fraud on my name and social security number a fraud alert has been placed on my Transunion report, however a fraud alert does not stop one from gaining access and pulling my report, therefore inquires keep accumulating on my report and not for the things I applied for ... I have reached out to these companies as well as Transunion they told me contact Transunion, I have sent at lease 4 letters asking Transunion to verify 13 of the 18 inquiries on my credit report and they have failed to do the investigation and they are trying to play a game of sending me irrelevant replies saying this is to let you know how inquires are placed, or this is the answer to your question, I did not ask a question I sent a dispute clearly a stall tactic no investigation done and trying to not investigate my 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 2018-05-08 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I contacted XXXX multiple times complaining about XXXX XXXX and XXXX XXXX submitting false information to disrupt me credit score and my life in general.there both wanted by the XXXX district of New York US marshals XXXX and are under investigation by the new York states attorney general office please call XXXX XXXX and confirm for XXXX bank fraud etc. and XXXX continues to accept information from these two fugitives that are seeking revenge for me reporting the i was an XXXX in XX/XX/2016 now i'm a XXXX  can you have XXXX  explain this? they cant the only number XXXX should accept from any regular person in from my phone if there no bank financial instantiation this fraud as stop me from securing a car loan a credit card i'm XXXX i don't have many option on a fixed income thank you XXXX XXXX XXXX i would like my credit score restored its correct number and no number but my own personal home phone be accepted for information accept for financial instantiation that are verified to be real financial instantiation.And do to the fraud TD Bank denied me a credit card claiming i was last is the last 12 months which isn't true at all because XXXX and XXXX contacted both XXXX  and TD bank harassing empolyee 's pretending to be me using my Social security number name address and D.O.B thank you XXXX XXXX XXXX and the CFPB staff for helping resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Ive been trying to work with Ocwn thats my mortgage company for 4 years I tried to do an assumption I tried to do a modification nothing is ever possible I wentctheuva bitter divorce about 2years ago my ex defaulted in court judge awarded me the house Ocwen has been telling me for 4 years I can not do an assumption because there is arrears my ex husband stop paying the mortgage when I filed for divorce. I could not afford the mortgage on my own at the time I was left alone with our XXXX children one of which has XXXX. Ocwen kept telling me all the court did was award me the debt nothing else! I contacted the XXXX XXXX XXXX to help me he has been getting no where either. I was recently told my property is going to be sold on XX/XX/2018 even though we have been working with them. I cant understand why no one will help me. I can now afford the mortgage that my ex husband had, but mortgage company says I have to bring the mortgage current before I can assume the loan, which is now {$73000.00} after all kinds of fees. My mortgage is some how almost {$500000.00} even though the house is only worth {$180000.00} at best it needs slot of work, even if you base it on the other properties in my area still no more than {$230000.00}. I dont know what else to do my son will not handle us having to leave the property the house belonged to my parents we bought it from them 16years ago. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: MD

Complaint narrative:
Enhanced Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I have been called multiple times by two different collection agencies in Utah. One is called XXXX   XXXX and one is called the CBE Group. The CBE Group has been abusive and has refused to stop contacting me despite the fact that I have told them multiple times that I have never received any notice from them in writing. They have told me that because they sent it, it doesn't matter if I received it. The two collection agencies are trying to collect on the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
On XX/XX/XXXX I wrote a personal check to a contractor named XXXX XXXX for {$6500.00}. He did not show up, work, or deliver materials, so I fired him and put a stop payment on the check. Obviously, when I put in the stop payment order with my bank the check had not cleared.

Somehow the contractor XXXX XXXX was able to cash the check at Ace Cash Express anyway. My bank, XXXX, refused to pay the check when Ace submitted it, so Ace began to repeatedly call me, 10-20 times a day, and left hostile and threatening messages.

All of the messages were left by an Ace employee named XXXX XXXX. At first, I ignored them thinking that it was perfectly legal and reasonable for me to stop payment for services I didn't receive, but she continued to call me constantly.

Finally I spoke to her and she told me that I owed Ace {$6500.00} for the check they had cashed. When I tried to explain that I had put a stop payment on the check and ask why they had cashed it in the first place, she began screaming " DID YOU WRITE THAT CHECK??! YES OR NO! DID YOU??? '' while I was trying to talk to her. I hung up the phone and blocked her number.

On XX/XX/XXXX I received a demand letter from Ace via XXXX XXXX saying that I had an outstanding balance of {$6500.00}, that they would take additional measures to collect and that this was an attempt to collect a debt, etc.

How can they collect a debt from me? I didn't borrow money from them, cash a check with them or contact them in any way. Also, are they allowed to threaten me with legal action?

XXXX XXXX claims they are trying to collect the money from him as well. Isn't it illegal for Ace to collect twice on this? ( From both me and XXXX XXXX the contractor ). Shouldn't they just be trying to collect from XXXX XXXX, the guy who cashed the check after I fired him and told him not to?

Now I'm faced with filing complaints, writing letters, having my credit ruined, possibly paying an attorney, etc. Please help me and stop this awful company, Ace Cash Express, from doing this to other people. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Capital One Credit card cycle runs from the XX/XX/XXXX of each month. This past month, XX/XX/XXXX- XX/XX/XXXX, I made a payment of {$250.00} on XX/XX/XXXX and paid the full amount left on the credit card ( {$6900.00} ) which made the card have a {$0.00} balance. I then received an email stating that the amount owed was {$110.00} which was the interest charge for the month of XX/XX/XXXX. The account was at a zero balance and was paid before the statement cycle ended and I should have not been charged any interest on the account. I spoke with a customer representative for the company ( the representatives are located in the XXXX ) and he informed me that I had to have {$0.00} balance for two months in order to not get charged any more. They would not reverse the interest of {$110.00} and told me I must make the payment, which I reluctantly had to do because I did not want to have to pay interest next month on the interest for the previous month. This is a deceptive practice by Capital One and their credit card company. Even though I was told I would not have to pay anything the following month, I am afraid they will charge me interest again on the interest I already paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
Person said he was law official ready to pick me up tomorrow, papers have been filed with XXXX county and will be arrested at my work place. I called back the number and asked why the phone calls to my parents, my work and myself today. Person on phone was rude and put me on hold, I waited 5 minutes and no one return. It looks to be a scam for debt collections, if so I was willing to pay as for I am in process of clearing all my debt and have 2 left on my account. I am not sure if its the account, but they would not even give me a choice to ask why they are calling me. They threaten my dad that if I don't call by XXXX today, all prosecution will take place. I have the recording they sent to my work too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My name is XXXX XXXX and I am the President of the XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX in XXXX, Texas. I previously submitted a complaint about the Nationstar Mortgage, the mortgage company that has the mortgage on an abandoned property located at XXXX XXXX, XXXX, TX XXXX. This home was abandoned by the owners, XXXX XXXX sometime around XX/XX/XXXX. Nationstar Mortgage filed for foreclosure in XX/XX/XXXXand to date nothing has taken place. The property at one time was being maintained by XXXX XXXX and last year XXXX XXXX XXXX began maintaining it. Once again it is not being maintained and XXXX at XXXX XXXX stated they have gotten no approval from Nationstar to commence maintenance. They claim they have tried to call them and get no return calls. Please intercede as you did about a year ago with this irresponsible mortgage company and have them at least maintain the property if they are not going to foreclose. The neighbors can not sell homes with this horrible looking home on their street. It has been abandoned now for about 10 years and most likely will have to be torn down someday as I can not imagine what the inside of them home looks like after no air or heat all these years along with rotted food in a refrigerator. My address is : XXXX and my phone number is XXXX if you need further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX My Bank of America account was compromised.

XX/XX/XXXX I realized my account was compromised. I called Bank of America to advise that a charge had been made on my Business checking account by XXXX on XX/XX/XXXX that I did not authorize.

*XX/XX/XXXX I spoke to XXXX XXXX the first time I called and he told me to go online and print a form called the Unauthorized ACH Corporate Return Form *I filled out the form per his request and faxed it to the following number XXXX * I asked XXXX what would happen if my account goes negative as a result of this money being taken out of my account considering I knew I had other monthy recurring charges I expected to be withdrawn from my account. He said I would have to call back if BOA did indeed charge me fees for insufficient funds. XXXX said to call back on XX/XX/XXXX to find out if the dispute form had been received by BOA. He also said to call XXXX, which I had already done. XXXX switched me around to 3 different departments and the 3rd rep hung up me when I asked to speak to the manager.

*Sure enough I did start receiving multiple fees for insufficient funds and now I can't pay my car note because this was not dealt with timely by BOA *XX/XX/XXXX I called boa and spoke to XXXX XXXX . I called to find out if they had received the Unauthorized ACH form that I sent on XX/XX/XXXX. She put me on hold for a while and then she said " He told me you have the wrong account number on the form ''. So I went an got the form and read the numbers to her. She said " Yes, that's definitely your account number, hold on and let me ask him about this again. '' I hold on. She comes back and says " He said resend the form ''. I told them I couldn't resend the form today because I had a XXXX XXXX so I wouldn't be going to the office on XX/XX/XXXX *XX/XX/XXXX TODAY I went to the nearest Bank of branch to speak with someone but they told me that there was a 40 minute wait and I could come back the next day, which is tomorrow. Meanwhile, my account continues to sent in the negative, and I can't pay my bills from this account because someone stole my money and BOA is not helping 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 monetary relief
Consumer complaint received 2018-05-08 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: GA

Complaint narrative:
In accordance with the ( FCRA ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by Federal Law to verify physical records on the file of the original signed account or contract from any accounts you post on my credit report. 

I have formally requested to see verifiable proof of the original consumer contract with my execution of signature on the record but not NO REPLY from the credit bureaus. I have sent certified letters to Equifax, XXXX and XXXX to no avail. Below is a list of account records I am requesting said verification of. I would like to complain to the CFPB about this clear violation of federal law. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) Thank you for your assistance in this matter and hopefully XXXX, Equifax, and XXXX will follow the laws laid out in the Fair credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a closed auto loan with this company called credit acceptance that was opened in XX/XX/XXXX, however I contacted the credit bureau once I noticed several inaccuracy reporting as far as 30 90 and 60 day lates, these are all inaccurate, Ive asked experian to correct this information or force credit acceptance to report proper information, however what Im noticing is experian every time I disputed they just say verified, IVE ASKED FOR THE METHOD OF VERIFICATION, biggest issue is they are supposed to go beyond the creditor make sure the information furnished to them a indeed 100 % accurate, however they just back these false verification no rhyme or reason given just tell me the company says its accurate, its also the job of the bureau to make sure the creditor is not bullying me which is clearly the case here the account is closed so they dont care about updating their records or even spending any time researching it ... well they should delete the account if they cant verify and stop sending false reply that you ecxperian did not even research

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