vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
Shellpoint Mtg. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( SHELLPOINT MORTGAGE SERVICING - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. XXXX  took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan inXX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently XXXX  dies not care enough to really investigate the facts. I also have documents stating shellpoint tried to get a relief from stay and had to withdraw. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME!

They sent two letters to XXXX XXXX XXXX, XXXX NJ. 

That address has never been on file with Bank of America ( the credit card owed ). 

The person residing at that address now knows personal business of mine. 

This is unfair and a violation of the Fair Debt Collection Practices ACT. 

I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.

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 2019-10-26 00:00:00
Product: Checking or savings account — 
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA N has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2019 deposited a check from my wifes XXXX account for {$4500.00} into our personal checking account at Bank of America. The bank had place a hold on the funds until XX/XX/XXXX claiming that it would take that long to verify the funds. In my conversation with Bank of America over the phone and in their Branch at XXXX XXXX XXXX, XXXX TX they stated they would not release the funds until XX/XX/XXXX as they could not verify they were available and that they had received some type of notification from XXXX that there may be an issue. We reached out to XXXX and the Branch my wife uses on Friday the XX/XX/XXXX and he assured us that no issue or alert was sent from them to Bank of America and that he XXXX XXXX the Branch manager would be happy to talk to any B of A employee and personally confirm the funds were available and there was no risk with the deposit. We had inquired about doing a stop payment so we could just get cash and deposit that but were told that B of A already had the funds and that option was not available. This issue will cause considerable strife as it will make us late on certain bills. We also called BofAs on Saturday and were given the same timeline regardless of what XXXX says or does. I ( XXXX XXXX XXXX mentioned that there hold seem to violate federal law but they were clear they would not be moved.

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 2019-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FREEDOM MORTGAGE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
TL ; DR American Express does not always use correct customer name and address when it mails materials to the customer. When the customers reports the problem of non received mail to American Express, the company is arrogant about investigating the issue and simply assumes that its systems generating mailing labels for the envelopes are working correctly. 

There are two responses from American Express to CFPB that I am attaching. One claims that an American Epxress credit card was mailed to me in a package that was addressed to my name and address I had on the account. The ohter claiming that a {$50.00} check was mailed to me in an envelope that had my name and address on the mailing label.

None of the materials were actually delivered to me. I asked American Express that one of its representatives should manually verify that name and address that is being printed on the shipping or mailing label when American Express mails some materials to me, but it seems that American Express does not want to bother troubleshooting the problem to identify the source of the error in its system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX  of dollars of FRAUD.

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 2019-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LTD Financial Services, L.P.
State: IA

Complaint narrative:
On XX/XX/XXXX, I faxed over Documents to the debt collector ( LTD Financial Services ) ; They are located at XXXX XXXX XXXX # XXXX, XXXX TX, XXXX. This company is trying to collect a debt that is not owed. On my XXXX credit report ; it says that they are the original debt collector. It has caused damage to my credit rating and I would like to have it removed. XXXX will not remove it stating the company says its accurate although it is not. I would call this a fraudulent civil matter. I have provided them with legal documents that states it has been Dismissed with Prejudice from the XXXX county Court at XXXX XXXX XXXX. The court telephone number is XXXX and my case number is XXXX Div : XXXX XXXX. The Judgement has been signed on the filing date of XX/XX/2017 by " XXXX XXXX XXXX '' the Conty Court Judge. The filing ID is XXXX. The amount they are trying to collect is {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Beginning with my XXXX Rewards Visa card statement with a due date of XX/XX/2019, a new line has been inserted with balance information. The first line is the new balance, which is self-explanatory. The new line is titled, " Interest Saving Balance, '' with wording underneath the line that says, " Pay to avoid interest on next statement 's purchases. '' I paid that amount and was charged interest. I called them and they reversed the charge. 

I find this extremely misleading. I assumed this balance was the difference between my XXXX charges ( which are interest-free for six months ) and my total balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
XX/XX/2019. i was contacted by a representative of Cash Advance that I had a loan payment past due and was in collections.This loan was taken out without my knowledge or consent. 
The loan was taken out XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
As of XX/XX/2019 Citibank charged me a maintenance fee of $ XXXX.My account at the time had {$0.00} available.I was then charged a {$34.00} overdraft fee on XX/XX/XXXX. 
How can a bank maintenance fee authorized by Citibank be the cause of my account to go into the negative and then be charged an overdraft fee the following day for insufficient funds? 
The Citibank customer service reps agreed with me but then stated there is nothing they can do about it. 
If I authorize a transaction that exceeds my balance and the bank pays the transaction on my behalf would justify the cause of an overdraft fee.This just doesnt seem right at all. 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 monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been paying XXXX XXXX  for years. I had gotten behind a little $ XXXXbut they added  interest to the balance but on my credit report they put that I haven't been paying on that balance and I have been paying the balance I've tried to dispute the west   Virginia XXXX XXXX through Experian and XXXX. Neither one of them fixed the problem and it's hurting my credit because it saying I'm not paying anything on the balance but now I'm paying off the balance because my child is not getting the support by law they stop taking the support because she's XXXXand has graduated school. I would like it to say that I've been paying on it the whole time I have proof and would like to see that I'm presently paying off it now 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 2019-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The wage garnishment is from an auto repo in XXXX from Credit Acceptance Corporation. 
I had a judgement against me in XXXX. I could not pay as I was back on SSDI. In XX/XX/XXXX I received a letter from an attorney, XXXX XXXX XXXX XXXX, delivered regular mail not certified stating that papers were filed to have my wages garnished. This was the first time I ever heard from this attorney. Around the XXXX of XXXX I received notice again by regular mail, dated XXXX from my employer 's payroll service XXXX stating my wages were going to be garnished for XXXX by deductind 25 % from each check. I never received notice from the lawyer or the Sheriff Office. I have custody of my XXXX grandchildren and I am head of household. There is no way I will be able to pay my bills and provide for our basic living needs. Also, I work for a corporation who subcontracts for XXXX  [ XXXX and XXXX XXXX ] a XXXX XXXX who has a difficult background check to pass, which I have not cleared yet. Financial obligations are part of the background check, with that being said I am concerned about being cleared with this wage garnishment. 
I may loose my job.

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 2019-10-26 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Disputed an unknown collections account from a company I have never been credited with. Disputed and was somehow verified. Now they are flagging my account every 3-4 days ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This PORTFOLIORECOV needs to stop calling my house. They abusing my phone and me and needs to stop now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
We had a mortgage with Pacific Union Mortgage opened in XXXX and closed in XXXX due to the company being sold. Since then, the new company, Nation Start, Mr. Cooper has been updating my old status incorrectly. They keep adding late payments to my old account that are inaccurate. I have tried to resolve this, but every time I contact them requesting verification they simply go into my account and change my status to a worse payment history. My account is reporting incorrect payment history that needs to be deleted. The account needs to be updated to never late or deleted as I have asked repeatedly for verification of payment history and they refuse to provide it, but it seems out of spite, they are making my account status worse every time I ask for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: CA

Complaint narrative:
I have accounts on my credit report for Experian that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
my husband filed a chapter XXXX bankruptcy in XX/XX/XXXX. He has since beome deceased. 
XXXX XXXX. Servicing bought this loan from XXXX in XX/XX/XXXX. The arrearages and the balance were the same. Originally I owed {$20000.00} and XXXX increased it to {$25000.00} in the claims process. So every month i have paid. According to the ledger at the XXXX I have about {$10000.00} to go. 
( XXXX XXXX XXXX - MTG ARREARAGE {$15000.00} of {$25000.00} ) On my credit report it says I owe {$22000.00}. Experian took less thsn 24 hours to dispute this and the results were the same. And on top of this they are saying they did not get paid before XX/XX/XXXX. This is untrue as they began getting paid when they bought the loan in XX/XX/XXXX. So they are showing no payments for almost a year. Will you please try to help me? Apparently Experian dies not care enough to really investigate the facts. I also have documents stating XXXX  tried to get a relief from stay and had to withdraw. 
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 2019-10-26 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: CA

Complaint narrative:
I have accounts on my credit report for XXXX that are not my accounts. These accounts were opened up without my knowledge and are fraudulent. The accounts are listed below. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26 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: CA

Complaint narrative:
IhaveanaccountonmycreditreportforEquifaxthatisnotmyaccount.Thisaccountwasopenedupwithoutmyknowledgeandisfraudulent.Theaccountislistedbelow.

XXXXXXXXintheamountofXXXX

Company response to consumer: Closed with explanation