vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Injustice anywhere is a threat to justice everywhere! THIS IS A RESUBMISSION OF A COMPLAINT THAT WAS NOT FULL COMPLETED! PLEASE BE ADVISED ... This complaint is against Bank of America, N.A., and XXXX, XXXX. Both financial institutions ' were given ample notice pertaining to Social Security Trust Account and to cease all deductions until further notice. Both institutions proceeded collections with prejudice and malice. On XX/XX/2019, regarding an allege debt in the amount of {$2200.00} respondent 's received a Dunning letter from legal entity concerning an alleged financial obligation owed to Bank of America.. Bank of America is where this issue all began. Bank of America was issued a Private International Remedy/Offer of Performance/Conditions Precedent Instrument ... Early on, I issue Bank of America a Notice of Presentment back in XX/XX/2019, in which I never received an answer from their Texas branch bank. The total sum of the complaint is {$2200.00}. The next complaint is against XXXX, XXXX, whom chose to continue debiting Social Security Trust account after receiving a Cease and Desist Notice on XX/XX/2019. Their continued harassment over the phone and predatory lending practices have placed the legal entity in evictions notice, due to their continued pursuit of a debt not owed. We respectfully ask for your intervention in these matters and assist in the return of all funds back to legal entity 's ' 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 2019-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Michigan Mutual, Inc.
State: FL

Complaint narrative:
I have never been late on a mortgage payment. While going through the bankruptcy process I was never informed I would need to complete a reaffirmation agreement so I am no longer allowed online access to my mortgage/online account. For the last few months each time I contact this company they transfer me to the Bankruptcy/collections department which usually ends up in a voicemail that is not returned or long hold times. As of today I have called this company 3 times already just trying to make a payment by phone. I first called this company at XXXX, was on hold for 12 minutes before being put into someone's voicemail. I called again at XXXX and was on hold this time for 15 minutes. The receptionist who picks up the line after 15 minutes starts discussing how that department is short staffed and I can either leave a voice message or wait on hold. After telling her I would hold she disconnects the phone call. I am currently on hold for a 3rd time today since XXXX ( over 15 minutes now ). As I am writing this complaint I am on hold ... to make a payment. The receptionist that picked up on my 2nd phone call asked me to call back on Monday. I explained to her my payment is due by the XX/XX/XXXX, so if I call back on Monday to make the payment it will then be late and therefore I would prefer to hold and not leave a message ( to make my payment, on time ). Since I was disconnected I have had to call back to attempt to make my payment on time today. 
I would ask that this company allows me online access to my account to at least make an online payment before my due date. If I can not reach someone by phone to make a payment on time I should have an alternative option to make a timely payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a letter from Optimum Outcomes regarding a debt I alleged owed for from XXXX XXXX Hospital in XXXX XXXX, Florida. It was alleged that I owed {$16000.00} for a procedure done upon me on XX/XX/XXXX. On XX/XX/XXXX I contacted the company to learn why I had received this letter. I was asked for my name, address, date of birth, and social security number. My date of birth and social security number were different from the person they were looking for and I was told the matter was closed. On XX/XX/XXXX I called the same company to request a letter stating that I am not the person they sought. I did so to avoid being harassed by this company in the future and to protect my credit rating should this fraudulent bill become an issue. The representative refused to provide such a letter by stating that " they don't send out such things. '' I responded that this company has no difficulty generating a letter to the wrong person and I wanted something in writing to verify that I was not the person with the debt. A short debate ensued and the woman hung up on me. Optimum Outcomes caused me consternation for I bill I did not owe and I had to take time to rectify their error which they could have remedied had they done their due diligence before attempting to collect a debt I did not owe. I should not be incumbent upon me, the innocent party, to fix their mistake. In addition, I can not see why the request I made for a letter stating that it was their mistake was so rudely denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I submitted my mortgage assistance application to Rushmore on XX/XX/XXXX along with a Quit Claim deed From XXXX XXXX : XXXX has no vested interest in the property since XXXX, we do not have communication. I would like for my modification to be reviewed with my financial income along with my husband as a contributor since we are financially responsible for the loan. I have provided all the documentation requested from me. attached again is the quit claim deeded that was recorded almost 14 years ago if you could find XXXX and make her submit her documentation great however she has not contribute or been around for the last 14 years.

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 2019-06-14 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX C/N : *XXXX REF : XXXX Statement of Explanation On XX/XX/2019 Ive managed to order online a black jacket on XXXX XXXX website online and my AmEx Biz Plat *XXXX was charged the amount of {$700.00}. Package was delivered to my home address which is the same as my billing address on file XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY, XXXX. However, instead of a brand-new jacket I was serviced with severely navy blue worn jacket by XXXX XXXX in a partially torn box. 

Ive immediately addressed the issue to the XXXX XXXX customer support and kindly requested to return the jacket back to the merchant facility. Representative issued and sent to my email a prepaid XXXX shipping label with a tracking number XXXX. The package has been successfully returned on XX/XX/2019 back to XXXX XXXX XXXX, IL and Ive got a confirmation email stating that the return was accepted and I should expect a refund issued back to the account within next 3-5 business days. However, the refund was never issued and Ive ended up filing a billing inquiry with AmEx. 

Turns out XXXX XXXX, without any prior update nor contact, tried to ship the package back to me with XXXX tracking XXXX, however instead of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY,XXXX  they tried to ship it to XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX  , NY , XXXX, which is never been associated with me. Due to that fact, package was refused and returned back to the merchant in XXXX XXXX XXXX, IL, since no one associated with this name resided at this addressed. 

Under Fair Credit Billing Act, Section 166, Im kindly asking CFPB to request American Express to issue back to my account the amount of {$700.00} and consider the matter closed, since the return was completed. Please, see attached documents. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One about 2 months ago, in late XX/XX/2019, to dispute fraudulent charges on both of my credit card accounts and had reported to them that about a year ago, my identity had been stolen. I spoke to a representative and explained that I was only able to see less than a year 's charges on my account, but, I wanted to dispute the charges that I was able to see at the time and that I would call back after this investigation to request help in viewing the rest of the account that I could not view. I spent about 45 minutes on the telephone with the representative, while she asked me questions and took down the information for my dispute -that included the vendors, dates, and amounts. She stated that the investigation would take about 30 days and that Capital may contact me regarding further questions, if needed ; and that I should hear back from them. I did not hear back from Capital One within those 30 days, except one email on XX/XX/2019 stating that they received my complaint ( but it was for only one account which ended in XXXX. The email did not have any mentions of the other account ending in XXXX. I contacted Capital One a second time, in XX/XX/2019, asking about the results and the representative stated that she would cancel the cards on the account, but without stating the results of the investigation. I contacted Capital One a third time, on XX/XX/2019, regarding update for the investigation, stating that I have not heard anything from them regarding the investigation. I was transferred to 3 different representatives, all of whom stated that there was no documentation in their system of my investigation, or that I had disputed any charges. One supervisor, name " XXXX '', whom was very professional and helpful, apologized that this had happened and stated that I put in another dispute of the charges and this time ask for the fraud department, once I gather the information again. Capital One handled my dispute of the fraudulent charges unprofessionally, never documenting that I put in a dispute, even after the representative had me on the telephone for over 45 minutes -supposedly documenting my dispute of the charges. Capital One is aware that my identity had been stolen and still not properly handle my dispute of fraudulent charges in a professional and resolvable way, leaving the charges on my account and having me pay monthly for charges that I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-14 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: IL

Complaint narrative:
Equifax is showing a credit inquiry on my credit reportfrom XXXX XXXX that donot make nor did I authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was never late 30 days on this account and I have tried to resolve this with capital one and to come to resolution but never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. 

In XXXX, my ex wife ( XXXX XXXX XXXX ) and I decided to join our phone accounts ( XXXX & XXXX ) with one company ; XXXX XXXX XXXX mobility, however in XX/XX/XXXX she and I got separated and in XXXX of XXXX, the phone number XXXX was moved to a new billing account since that line corresponds to my ex-wife and she would take care of any subsequent payment from that line. I received an email from XXXX XXXX XXXX mobility confirming that request. Since that moment, my ex wife took care of paying her phone bill and to the best of my knowledge, she kept paying it until she moved to XXXX, around XX/XX/XXXX. 

My line ( XXXX ) was transferred to XXXX in XXXX of XXXX and I kept using and paying for it until XXXX of XXXX when I cancelled that line. 

I started receiving phone calls and letters from Sunrise Credit Services , Inc in XX/XX/XXXX, making me accountable for a debt of {$710.00} to XXXX XXXX XXXX mobility related to my ex wife 's line ( XXXX ), I started explaining the situation, I forwarded the confirmation of the accounts split from XXXX XXXX XXXX and at this day, Sunrise keep making me accountable for a debt that does not correspond to me, and now that debt is affecting my credit score. 

Based on this request and several conversations with different representatives from Sunrise collections, Inc, I request that the delinquent debt that I'm being held accountable for, to be dissociated from my social security number and hence not affect my credit score.

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 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sherloq Group, Inc
State: NC

Complaint narrative:
I made payment arrangements with XXXX XXXX XXXX XXXX and o have been paying the {$35.00} a month. I am sending messages and payment information in this email. 
Now I received a letter that SherlOQ is a collection agency assigned to take over for debt collection. I have an arrangement with XXXX which I am still paying and it is not right for this fraudt company SherLOQ to contact me. I live on a fox income and I am not of work and am barley able to pay my XXXX XXXX arrangement but I do pay it and not XXXX XXXX is reneging on the agreement. I do not have money for anymore payments. I want this company to stop contacting me as I am paying my bill at XXXX XXXX. 

Messages of payment plan acceptance : XXXX on XX/XX/XXXX This message is a reply to XXXX per your reply I will accept the payment plan to pay {$35.00} each month. 
XXXX on XX/XX/XXXX Ms. XXXX I have updated your account to reflect a payment plan. 
SYSTEM on XX/XX/XXXX This message was closed by XXXX My payments : Date Description XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$430.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Electronic statement sent : {$470.00} XX/XX/XXXX Payment made ( through XXXX XXXXt ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX  ) : {$35.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00} XX/XX/XXXX Balance updated : {$390.00} XX/XX/XXXX Payment made ( through XXXX XXXX ) : {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?

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 2019-06-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tulsa Adjustment Bureau
State: AR

Complaint narrative:
I contacted Tulsa Adjustment Bureau to try and settle this debt that they show on my credit report, only to be told I had several other debts that this company wanted to settle before they would settle the shown debt, the other debts were several thousand dollars or so they said. The problem is that they know these debts are both uncollectable and unreportable. Under Oklahoma statute 14A-5-107 and statute XXXX medical debts of 2 years or more are not collectable or reportable. I called them again and spoke with them on their recorded line and made them aware of this. They said they were within the law to try and collect these debts they are NOT! I am XXXX and live on a modest income and the Americans with Disabilities Act comes into play as well. They can not treat me differently than they treat a non XXXX person. They are not following the law in either case. This debt must be removed from my credit report. As it is unlawful after the 2 year time frame for this to be reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I set up an automatic payment schedule with Navient in XXXX they never adjusted my due date resulting in 7 months of late fees with interest that accrued daily. I had requested to listen to the phone call when I set up the payments and they refused, I had managers state I was current and I was not. 

The company steered me towards multiple forbearances and misapplied my payments resulting in hundreds of dollars in late fees from daily late fees. 

the representatives stated automatic payments were different than recurring payments both automatically withdraw from checking accounts, very confusing terms I believe intended to trick consumers. 

I have already paid back over {$34000.00} in federal loans and I am not trying to hide from my responsibility to pay back my loans, they mislead me multiple times costing me over {$2000.00} in unjustified fees. 

I only owe them {$12000.00} and they keep giving me false information resulting in my loan staying the same. I

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
-Installment Loan Account # XXXX - Effective date XXXX. Amount financed {$2500.00}. Payment schedule : 51 biweekly payments of {$190.00} starting on XX/XX/XXXX, 1 payment of # XXXX on XX/XX/XXXX. 

One payment skip allowed, and taken. Email from Cash Central dated XX/XX/XXXX confirms new payoff date to be two weeks from the original payoff date of XX/XX/XXXX, XX/XX/XXXX. Enclosed below. 

XXXX, Thank you for your email. As of today, your maturity due date shows XX/XX/XXXX to be paid in full. If you have any additional questions or need assistance, please respond back to this email or give us a call at XXXX. 


Thank you, XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX When I called this morning to confirm payoff, Cash Central refuses to acknowledge both contract and email - they claim a balance of {$1400.00}. They are unable to account for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14 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: PA

Complaint narrative:
I recently pulled my credit report and i have a number of inquiries on my Equifax credit report that I did not authorize, or allow anyone employed by these companies to make an inquiry and view my credit report. This is a direct violation of FCRA section 1681b ( c ) and a serious breach of my privacy rights.

I have added a fraud alert on my account during the time range that these inquiries were added to my credit report and notification should have been given to me before any of these inquiries should have been made. 

I would like these fraudulent inquiries deleted from my credit file immediately XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX US DEPARTMENT OF EDU XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
The information listed below appears on my credit report but I did not make or approve of these transactions. 
The following accounts are not mind account. No knowledge account. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention and completed within 30 days of your receipt. Thank you for your prompt attention to this matter. 


XXXX XXXX # XXXX XXXX XXXX XXXX mine account. Please delete. 
XXXX XXXX XXXX Account # XXXX.. Not mine account. Please delete. 
XXXX XXXX XXXX # XXXX. Not mine account. Please delete.. XXXX XXXX XXXX # XXXX.. Not mine account. Please delete XXXX  XXXX XXXX XXXX {$380.00} XXXX.Not mine account. Please delete XXXX XXXX XXXX # XXXX.. XXXX Not mine account. Please delete. XXXX XXXX # XXXX Not mine account. Please delete. 
XXXX XXXX # XXXX Not mine account. Please delete. US DEPT OF EDUCATION # XXXX mine account. Please delete. US DEPT OF EDUCATION # XXXX Not mine account. Please delete. XXXX XXXX  # XXXX Not mine account. Please delete.

Company response to consumer: Closed with explanation