vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Capital One 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX, supervisor for XXXX XXXX about a settlement offer of {$550.00}. She accepted the offer but told me she would contact me on Monday, XX/XX/XXXX to process the payment since she needed to allow 48 hours to process the settlement offer. XXXX never contacted me.

I spoke with XXXX XXXX  at XXXX XXXX today who stated he would not honor the settlement agreement I had with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Commercial Services, Inc
State: OH

Complaint narrative:
My husband and I did a short sale on a property over 3 years ago. I received a call from the debt collection company some months after that I owed for pmi on the loan. The company is National Comm Services XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. After numerous phone calls to have documentation sent to my home address every time I call they give me the address they say they have on file which is the realtor company that handled the sale. I have NEVER received any documentation on the amount owed, what I have paid nor who they are collecting for. I just called again today and still wrong address and they say the same thing- we will update. I also asked for the name of the company in which they are collecting and I was told pmi insurance. No phone address or information provided. I feel as though my money is going into a black hole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: NV

Complaint narrative:
In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX  Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX  cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.

we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX  i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from 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 explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm trying to get pre-approval for a home loan and when they run my credit Equifax is stating that I don't exist on their system. They have gotten XXXX  and XXXX   report the only one that's giving me trouble is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Received letter from Capital One saying my account was closed due to inactivity.

Account was closed onXX/XX/XXXXI received the letter on XX/XX/XXXX The letter is dated on XX/XX/XXXX.

By Capital Bank closing my account they have harmed by credit score and availability to get credit. Since my available credit has gone down it now looks like I am not a good candidate for the best available interest rate to members with A-/B+ status.

They never gave me any warning. Just one letter after the fact since the account was closed by the time I got the letter to reinstate my account.

Abusive on their part. Now they want me to apply for a new credit card with my credit limit being less than the actual XXXX XXXX that I had on the credit card they closed, and with a higher interest than the 9 % the closed account carried. All they had to do was tell me they where going to close my account and give me a chance to charge something to it so I could keep my high available credit and low interest.

I had this account for over 20+ year. Were is loyalty for his company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello - This complaint is against JPMorgan Chase. Thousands of dollars of fraud occurred on my credit. Chase did not catch the transactions. It was only after over 20 occurrences over a week did they finally reach out. I requested ( i had to ask ) for a full investigation to be done on the account and for a manager to contact me about the situation. Neither occured. I called back three weeks later and spent 2 hours on the phone with various people with no idea of how to deal with the situation. I learned that an investigation had not even occured yet.

This situation was so improperly handled. A fraudulent incident of this magnitude should not be dismissed like Chase. As a consumer, I have no idea what is being done and how to protect myself from further credit breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am asking for Capital One to remove to late payments dated XX/XX/XXXX and XX/XX/XXXX off of my credit report due to a humanitarian hardship. I was hospitalized around that time and lost my job for being hospitalized for 4 weeks and unable to work for 2 months. During that hardship time I missed two payments on my Capital One account. Since then I have remained on time with payments and even paying off my account. I had emailed XXXX XXXX the CEO in hopes that he would apply a humanitarian hardship for those 2 months but his assistant called me back and stated that Capital One would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
I filed a recent complaint with CFPB regarding complaint number XXXX in early XXXX. According to that complaint, they were going to research can get back with me to provide proof that the debt belonged to me. They have not been able to do that. According to laws governing debt collection, they are supposed to provide me with proof of the debt that has my signature on it. They are stalling and have not been able to prove this. It has been 30 days since I originally requested debt validation and have still not received. Both records that they placed under the credit reporting agencies will need to be removed or I will be forced to escalate this further and even get my attorney involved. This needs to be deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax illegally displaying false information on my report. A medical collection account keep reappearing on my credit report. I have no knowledge of this account and I did not sign a contract nor did I give anyone permission to give out my personal information. My only conclusion is this account may be from a workers comp claim from my employer, which I am not liable for, also all claims and bills for that claim was satisfied by workers compensation. You need to resolve your problems with workers comp and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Company keeps calling me.. The debt is far beyond the statute of limitation, does not belong to me, not on my credit and the company can't provide signed proof that tie me to the debt in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 2288984 Ontario Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  have been calling my job repeatedly. They have called my mother, who is XXXX from XXXX, and other family members. They have threatened to send the police to my job. 
They say I owe a payday loan from 2016. I have no recollection of that transaction. They said the loan was for {$500.00} but they want to charge me {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I checked my credit score and come to find out I had a water bill that was paid. I never once received any notice to my residence, nor did I ever receive a phone call. I called The Financial Network asking questions regarding the collection and they were rude. Did explain anything to me and did not want to give me any information. I called once on theXX/XX/XXXXand also theXX/XX/XXXX and they didn't want to help me both times. She was abrupt and only cared how I was going to pay. I explained that I paid in XX/XX/XXXXand she mentioned we would not have it in collections if it was paid. Also, when I spoke to the individual within the company, she asked me if I recieved anything written in the mail and she didn't say anything after I asked her why wasn't I notified and given a chance to dispute the validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX  Breached its contract and that Breach resulted in the alleged debt of {$470.00}.

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders.

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights.

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending.

SourceRm XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.

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 2018-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I told Westlake financial in no uncertain terms that I could make a payment on XX/XX/XXXX. 
I told them this atleast a week ago, and they have continued to call me 7 times a day on my cell and on my house phone. Today they had the audacity to call my office. 
Enough of this XXXX for XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLSFARGO MORTGAGE SHOWS MANY LATES FOR FOR MORTGAGE PAYMENTS THIS ACCOUNT WAS APPROVED FOR A MODIFICATION DURING THIS TIME AND NO LATES SHOULD HAVE BEEN REPORTED.

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 2018-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On Monday, XX/XX/XXXX I received a call from Capital One informing me that several authorized users had been added to my account on XX/XX/XXXX. They had wanted to confirm if I had authorized these users and I had informed them that I was unaware anyone was added and that I absolutely did not add anyone. Due to the potential fraudulent situation, Capital One restricted my account so that no unauthorized charges could be made ; I thankfully have not received any fraudulent charges on my account. While Capital One was investigating the issue, they claimed that the people added to my account were in fact legitimately added despite the fact that I, the account owner, told them several times that this was not the case, I never added these ( 4 ) users, and that I did not recognize any of the names. I now have been told that they can not un-restrict my account until they receive the required documentation needed to identify the additional users ( drivers license, SS #, etc. ). To be clear, I never authorized these additional users, I do not want to add these users, they are most likely not real people, and I or the fraudulently added people, will not be sending identification information. 

According to Capital One, my account will remain locked until they get the identification information of the people who were fraudulently added to my account, which will never happen. As a result, my account will remain restricted forever. I have spoken to several people over the past week ( including going to a physical location ) and have not been able to get any farther than this. 

I would like to close my account but i have ~ {$1900.00} in rewards cash that is tied to my card that now inaccessible. I have been informed that there is no way for me to access this cash now. If now close my account, I will forfeit this cash. 

To recap, due to a lapse in Capital One 's fraud prevention, four authorized users were added to my credit card without my knowledge or consent. Capital One 's response was to close my account which will cause me to lose {$1900.00} in cash rewards. This is a lapse in their security that I am paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Received letter from HUNTER WARFIELD debt collector XX/XX/XXXX saying owed over 3500.00, called and spoke to XXXX who stated I need to file id theft with FTC and submit along with id copy, police report number etc. as I never rented any property, letter had address of XXXX XXXX and he supplied a XXXX XXXX address, both of which have no idea what is and he stated for past due rents/fees and I advised have never rented and do not know what addresses are. 
XX/XX/XXXX, Received another letter, without all info requested per FTC, only a copy of a lease agreement from a XXXX, with several people listed along with name same as mine only different middle name! They could see as inquired on credit, sent id etc, that is not me, yet still want me to pay a debt for these renters unknown to me and obviously not me.

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 2018-05-01 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: AES/PHEAA
State: TX

Complaint narrative:
I filed a dispute with XXXX on XX/XX/XXXX regarding student loan company AES/PHEAA falsely reporting payments being made to them. The last payment made to AES/PHEAA for was in XX/XX/XXXX as documented on their website ( See attached ) however every time they sell the loan to a new collection agency they are then reporting to XXXX that I have made a payment. They have reported I made payments in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX ( see attached ). I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was in XX/XX/XXXX that would make my date of first delinquency XX/XX/XXXX which means we are now at the 7 year statute of limitations in which this should be removed from my credit report. XXXX completed their investigation on XX/XX/XXXX and indicated that they would not be removing this from my report until XXXX. Furthermore, XXXX has allowed this loan to be reported a second time on my credit report under PHEAA but the same account number see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/XXXX I had just got on my feet again, when I encountered an interest in a man unbeknownst to me was suffering from XXXX. Not only did he begin to rob me every payday but everytime I used my credit card to help myself. Eventually, In XX/XX/XXXX he was XXXX XXXX by my baby brother here in my yard. At the time I owed the XXXX but had no way to pay it after I lost my jobs, church affiliation and everything else it seemed. 
There was no victim assistance for the domestic violence I suffered and I have no way to pay this bill now. There is a judgement against in in this matter in the XXXX County Clerk 's office. As a tax preparer I know that the US allows for bad debt write offs, uncollectible debt tax credits and all other assistance. Please can you help me tell them.

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