vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
This is a follow up complain on an continuing problem ; prior complain into is .... 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX I again just received more questionable paperwork from RealTime Resolutions ; they just keep coming up with them but when my Attorney contacted them back in XXXX they didn't respond at all with any paperwork! But, again, as I will swear to again, I have never seen this paperwork nor signed any such authorization. This was a HELOC attached on back of a XXXX XXXX  from XXXX and we all know what happened to them and the mess that created!?! These HELOC 's were stated to have been Illegal and Preditory by the State Department but mine was hidden from the portfolios that XXXX XXXX XXXX provided to the State Department in that it was assigned to ReatTime Resolutions, a Collection Agent for XXXX and so I did not get a required letter from XXXX forgiving mine but it was just like all the other of XXXX and one that I never saw the Loan Documents for and therefore was never provided my Legal Rights of Refusal ; the document in the attachment to this report is dated XX/XX/XXXX and I never saw the first page of these loans until XXXX of XXXX ; as documented in my attached letter to XXXX dated XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
A paid collection being reported with a balance on my credit report. It should have been removed. I had a debt with an apartment community that went to this collections agency. I've paid the debt and as of now the RentDebt company is still reporting the account with a balance. I also was told by them that the debt would be removed if I requested it. I have had no actual contract or any agreement with Rent Debt that makes me liable to them, nor did I receive any dunning notice before the debt was placed on my credit reports. They are in violation of FCRA. 


They need to remove this paid debt from my credit reports. The representative I spoke to said it could be removed if I requested it to. They can review that call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TX

Complaint narrative:
Experian is reporting incorrectly a past due amount of {$50.00} for XXXX XXXX XXXX, partial account number XXXX. I paid this account in full with a cash payment that was never credited to the balance due. This incorrect reporting is harming 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 2019-03-07 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: NJ

Complaint narrative:
I paid XXXX, XXXX, XXXX and XXXX in full

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 2019-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
I started receiving threatening phone calls stating that I owe {$1300.00} from a credit card in my former name. This went back to 2011 apparently. I asked if they could send me information regarding this said credit card as well as signature information and with the original that was with. They told me They did not have that information that they were just a mediator. I told him I was not going to be paying anything without some sort of validation on their end. I then went on to look at my credit report and son nothing of this said credit card of HSBC. They said they didnt put it on my credit report because it would hurt me from a good credit report. I played along with them to see how far it would go and then they wanted to settle for {$610.00}. Unless I have solid information regarding said that from original collection I will not be paying anything they need to leave me alone and stop harassing me. The company was legal one mediation from Georgia

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
On XX/XX/2019 at approximately XXXX XXXX my husband, XXXX XXXX, and I were having lunch. He was checking his banking at XXXX XXXX  and saw a pending withdrawal for {$1200.00} for Suntrust Bank. We thought we had missed a mortgage payment and added money from savings to checking to cover our $ 2093 monthly mortgage. I remembered that I had received an email on XX/XX/2019 ( approximate date ) saying they had received our mortgage payment and applied it. We were two hours from home. I attempted to call Suntrust over FIVE TIMES ... with wait times equaling over two hours ... I was shifted from department to department when I finally got a human on the phone. No one could find the XXXX that is attempting to be taken out of our checking account..and then the additional funds we transferred from savings to checking was being grabbed by Suntrust also. As soon as we got near home we went to XXXX XXXX  to stop payment on the {$2000.00} total. We were told because it was so late in the afternoon they weren't sure they could stop payment. 
Suntrust ... as far as we can tell ... .insists they aren't taking money out. We have never authorized payments to come out of our accounts and use the bill pay feature when we have a mortgage payment due. Suntrust is an out of town bank preying on the elderly by not having decent phone service and no answers to important questions. I want them to sell our mortgage to someone with reputable service and centers we can go to with questions.

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 2019-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Aspen Yo LLC
State: IL

Complaint narrative:
I been with Gregory Funding for more than a year now I am XXXX living with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  of the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and much much more Pain Daily! I was told the home insurance will be removed from mortgage so it was I asked Gregory Funding will they refinance me they said I had to find someone else so I set out since XX/XX/XXXX it's now XX/XX/XXXX XXXX XXXX have Approved me I received a telephone call saying Gregory Funding said you are 30 days late every month, since I been with Gregory Funding they have and all the Creditors know Social Security sends payment Every XXXX Wednesday of Each month only. So I am O. AUTOPAY my Bank even knows I am on AUTOPAY, for i I might be in hospital at times and payment only every XXXX Wednesday of the month the Agent put a payment in too early which caused payment to go off track but I was paying extra money to catch up XXXX XXXX need a letter stating that I don't be 30 days late with payment to continue with the refinance, however Gregory Funding don't seems to want to work with them the entire loan will be paid It's not fair to loose this Loan in 3 days that was so very hard fatigue frustrating painful every day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim. 

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.

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 2019-03-07 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: TX

Complaint narrative:
Equifax is incorrectly reporting me past due on the XXXX   account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is my 2nd complaint against Bank of America. The issue started back on XX/XX/18 I deposited a check for {$660.00} and Bank of America is saying the check was returned. However I have provided them proof that the check cleared and also had the other financial institution contact them to advise the check did clear and they need to refund my account. I have emailed, called them and so has XXXX XXXX XXXX XXXX. yet as of today my account is still showing overdrawn by {$660.00} They received the funds from this check on XX/XX/18. How can they legally do this? Especially since the other financial institution where the check came from already provided them proof that it cleared. This seems like Fraud to me. My last complaint was closed, and I don't understand why when I did contact B of A and told them I submitted this. How are they getting away with doing this?

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 2019-03-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: MA

Complaint narrative:
I applied for all fixed interest loans and some how most of my loans are variable interest student loans. I asked them about this and all they told me at XXXX XXXX is thats just what they are. I already pay 12 % and up in interest and its subject to just keep getting higher. I know for a fact I applied for fixed interest so I wouldnt have to deal with the increase in interest rates later on but didnt think I needed to keep that as proof. Shouldve known better.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 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: TX

Complaint narrative:
Equifax and XXXX are reporting me as 60 days past due on the XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I tried to open a bank account, and have been getting push back because I am being told EWS has a low score for me. I am a victim of identity theft and have only had one bank account ever and that is with XXXX XXXX XXXX XXXX. I have about 12 accounts listed and that isn't me or none of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  and Transunion are reporting me as 60 days past due on the XXXX  partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Asset Management Systems Inc
State: NY

Complaint narrative:
Called my brother on XX/XX/XXXX. They keep contacting my family members about a debt that has been paid off more than 8 years ago. 
My sister was contacted in XXXX and I clearly told them to stop contacting my family members about a supposed debt totaling {$14000.00}.

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 2019-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
In late XX/XX/2018 I was notified by Capital One of unlikely charges on my VISA card XXXX. I checked online. Replied immediately that eight were NOT mine, but were for activity on the east coast while I live in Oregon. 
XX/XX/2018 Cap 1 sent a letter saying " you won't be liable for any unauthorized charges. '' A XX/XX/2018 Cap 1 letter said " We're happy to tell you that your fraud investigation with Capital One is now resolved .... As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' BUT XX/XX/XXXX Cap 1 wrote that XXXX XXXX did an investigation that found no fraud for two flights on XXXX XXXX, going DC-XXXX-XXXX, for {$50.00} and {$620.00}, so I should pay. 
I sent a letter of protest to both persons in the Cap 1 fraud squad, pointing out that 1 ) I had the card always in my possession, even used it in XXXX XXXX OR the same day as one fraudulent charge was rung up on the east coast. 
2 ) Never told anybody else the card number. 
3 ) The only other person with the same name as mine I know is my son in XXXX. 
They did not take the trouble to answer me, only let the billing go ahead. 
I wrote in protest to the Cap 1 CEO. An aide sent me the same listing of charges deemed fraud and the two flights deemed not fraud, i.e., that I was to be responsible for east coast flights charged to that card despite the fact that I was always in XXXX XXXX OR. Cap 1 said " our research confirmed that the actions taken on your fraud investigation were correct. '' Whatever their " investigation '', it did not include even contacting me! 
Consequently, I do not want to pay for a spree done by someone unknown to me and 3,000 miles from where I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I was trying to open an account with United bank and they declined me because of early warning services or XXXX. Even with that, I sent them my identity theft report in which someone opened XXXX accounts using my name and information. None of which are mine. Despite explaining this, I was denied a new 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 2019-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I received a credit alert via e-mail at XXXX pm CST via my XXXX Protect My ID program. I logged in and saw that BMO was reporting my account delinquent. I called XXXX at XXXX XXXX XXXX  to inquire about it, but that phone kept asking for my phone number and PIN but never led to an actual person. I then called XXXX and ended up talking to XXXX. 

He explained the XX/XX/XXXX payment was not received. Told him I sent it. He said because it was not a full payment, it was not applied. Paul admitted BMO has my mortgage payment, but BMO is refusing to apply it. During the conversation I learned my monthly payment had increased and that BMO never notified me of this. XXXX said BMO mailed me 2 notices, but when I asked him to give me the dates of the notices, he said he didn't have access to that. We went back and forth about the notices, he claiming I had received them but never producing any actual proof I had. I asked him to tell me what address BMO had sent the notices to, but he was unable to tell me either.

We were not getting anywhere, so I asked to speak to his supervisor. He put me on hold and told me his manager, XXXX, was on the phone with someone else and to give him a number XXXX could call me at. 

After my phone call with XXXX ended, I started looking at the statements online, my preferences and my paper files to try to better understand what was going on. The last paper statement I have from BMO was the one dated XX/XX/XXXX. The last escrow analysis I received from them via mail was dated XX/XX/XXXX for changes effective XX/XX/XXXX. Every year, once I receive that, I make changes to my monthly payment. However, I did not receive any escrow analysis in the mail for changes effective XX/XX/XXXX. 

I then turned my electronic version of my account with BMO. I went to the paperless statement setting to see if I could find any answers, but BMO tells me that I " don't have eligible accounts for paperless statements. '' I then checked the settings for security alerts and notifications and alerts, BMO has my current e-mail and phone numbers but never sent me an e-mail or a text about the change if payment and the so-called delinquency. I don't even get notices from BMO that a monthly statement is available. 

I then tracked down the electronic statements to see what answers I could find. It turns out that the mailing address on those documents is " XXXX XXXX XXXX XXXX, Return Mail, IL. '' Even the escrow analysis for changes effective XX/XX/XXXX doesn't even have my address!

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 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
On XX/XX/2019 a letter was sent to each credit bureau ( XXXX, XXXX  and XXXX ) to validate an account on my report. That account was from NCB for account # ending in XXXX. NCB did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same XXXX party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bennett Law PLLC
State: FL

Complaint narrative:
Bennette and associates are calling threatening to sue for a debt that clearly is unknown or owed They gave me this case or reference number XXXX Their address is XXXX XXXX XXXX XXXX ca XXXX The agents were very rude they called my husband and did not allow him to ask certain questions anytime he asked them to stop calling us they tried to over talk him so that his request did not get recorded. The guy name was XXXX he's a fast talker and very rude

Company response to consumer: Untimely response