vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Consolidated loan from Nelnet, immediately got a text from https : XXXX. Reply STOP to unsubscribe. 

Scam, jail them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/XXXX - G M Card ( bought by Capital One in XXXX ) was declined. NO ONE called me as is usual when this happens. 
XX/XX/XXXX - I called Capital One - got 2 different versions of why it was restricted including " someone tried to access your credit '' and then " got a DEATH CERT on you - you're DEAD! '' After getting upset with the company the they became more 'we 're on your side ' etc - and sent me a link asking for 3 forms of I.D . including SS Card ; Driver 's license and a bill. In the process I was asked for my SS # at least 3 times in the call until I told them no more sharing of it without recourse as this seemed very odd by 'XXXX XXXX. 
XX/XX/XXXX - Called again - link never rec 'd - sent again and due to obtaining documents and being out of town I scanned my DL, SS card ( both sides ), Real Estate taxes paid XXXX and a utility bill. The message rec 'd indicated it was " received '' and the agent on XX/XX/XXXX informed me I would hear something in 7 - 10 days. 
As of XX/XX/XXXX no word. 
XX/XX/XXXX CALLED - told account was closed - 'Fraud Application. ' Questioned this as applied and approved for card in summer of XXXX - 24+ years ago. XXXX couldn't tell me if this had anything to do with their own data breaches this year - or why it was determined Fraud - SS # breach, or what? My father XXXX XXXX XXXX XXXX XXXX died in XXXX XXXX 4 years before I obtained this card ) and curious if it is related to this. WHY are banks allowed to not disclose issues affecting an individual 's credit, rating, etc? 
LAST : Why didn't I get a final bill, there was a balance due of {$1500.00} approximately due - will this be noted as delinquent against my credit rating? They also can't tell me why. 
XXXX XXXX XXXX XXXX XXXX XXXX cell phone number. Thanks for any help with this inept Capital One handling of some form of fraud with my card had since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
we have disputed this via XXXX  XXXX on XX/XX/2019 as well as sent a letter to the creditor on XX/XX/2019. Have not heard back from either dispute. We have no idea what this debt even is, and have tried to find out which has produced zero results.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I have tried over the last 16 months to have my mortgage insurance removed. I was told by AmeriHome mortgage ( my lender ) that I must wait two years before they would even look at my request. Now after sending another email and making a phone call to XXXX then I asked for his supervisor XXXX, I was told they wont even respond to my request for 30 days, when their website states five days! I found out once the home is funded and recorded, mortgage insurance may be removed after a 30 day period, as long as the home qualifies. I have been in my home over Two years now and never missed or late with the payment and have updated the home with at least {$30000.00} in improvements. Not to mention the home value increase of 10 % at minimum in my subdivision. Not sure why this company is allowed to rip off its clients like this?? I have also copied Governor XXXX on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NJ

Complaint narrative:
XX/XX/2019 filed a dispute and request validation. 
have not heard back.

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 2019-10-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: CITIZENS FINANCIAL GROUP, INC.
State: WV

Complaint narrative:
I received an offer through XXXX to lower my student loan rate through Citizens One. I applied online and then spoke with a rep. I was told within minutes that I was approved for a 5.2 % loan but had to submit 1 more piece of info. I did. I received an email saying they needed more information : proof of social security. I sent it. They said they needed pages 1 and 2 from XXXX tax return. I sent it. They sent yet another email saying I needed to send all pages from XXXX tax return. I sent them the info, which was 25 megabytes. Then they asked for yet more information that I had already supplied. This went on for 6 emails and 9 customer service reps. Each time, they assured me that my latest submission was enough to complete the application. Last night, I received yet another request for still more information. 

All of this for a $ XXXX/month reduction!! 

Every rep told me that my application was now complete, and I should hear back within 3-5 days. 

I am retired and age XXXX. I have a XXXX credit score and more than ample assets to pay the loan off today. Im simply trying to lower the loan for my daughters education. And I have to go through this hassle with still no loan? 

As a former XXXX XXXX, I have never dealt with a more deceptive and difficult company than Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XX/XX/2019 we sent a validation and dispute to the creditor, no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 Convergent has been sending me debt collection letters.

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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have repeatedly notified capital one of fraudulent charges and attempted to freeze the account and now tried to close the account. 

Capital one is still harassing me about charges to the account. Its internal fraud. They wont stop it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio has claimed that they have been transferred the right to own such alleged debt. The lawful elements of a contract havent been fulfilled. Portfolio never made me an offer that was accepted by me, they have failed to provide me consideration of any form and they have never proven any other financial entities that that are claiming to have initiated the alleged debt instilled a right to assignment in any contract they provided. Therefore, Portfolio has never proven a right to the existence of any such debt as well as the legitimacy to collect on besides some hearsay Bill of Sale, which proves nothing and offered me no consideration with regards to this issue.

This company continues to refuse to furnish the proof of any such debt and now blatantly states that they refuse to provide proof of validation, as the letter I am enclosing in the file insists. They are engaging in fraud. They make statement of facts in how they form their presentments to collect the alleged debts and yet as the CFPBs own 2015 consent order against them ( CFPB-XXXX ) shows on Page 7, as per the statement of their own VP, they know going into this whole process of their extortion scheme that they know the data they possess is likely flawed and they are in violation of FCRA 1681i in the sense that they cant verify information they list dispute their statements to the contrary in their various responses to disputes and demands they prove their claims. They have never proven the accuracy of the amounts they are claiming to be owed. They, as I have already documented in prior complaints, with no explanation given by Portfolio, have never explained what gave them the right to violate 1681i to reinsert data that had been removed without notification to the consumer. They continue to claim they verify and use terms like establish validity yet never demonstrate how they have done so. The court case XXXX XXXX XXXX established that credit reporting IS debt collection activity and Portfolio has already in the past acknowledged that they are going to cease Collection activity yet continue to Furnish this data as collections to the bureaus.

Furthermore I recently received letters from PRA refusing to explain or defend their standing and right to furnish this data on my files any files, which violated the FDCPA for unfair practices, unless I provide new information. In my prior dispute I did provide new information, in particular the results of my UCC search pertaining to any debt attached to my name, and that was utterly  ignored by Portfolio despite being a valid point. I expect these items to be removed by Portfolio and hear no more from this company I have never chosen to do business with or interact with in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
On XX/XX/2019 our Cabela 's / Capitol One credit card number was used to make a charge at XXXX # XXXX in XXXX, Idaho. The amount of {$500.00} was charged. Capiton One called us because they thought it to be fraudulent activity. On the phone we went through the charges and were asked which were correct and which were not. We identified, at that time, only the one charge for {$500.00} that was fraudulent. The credit card company removed the charge until XXXX XXXX 2019 when they sent us a letter informing us that they discovered no fraudulent activity and were thus re-instituting the charge against our account. I explained to them again that my wife and I were not even in XXXX. We were in XXXX Washington. I further explained that we have only one card for that account and it was with us in Washington. They said, no matter, we think it is not fraudulent. I requested they hold the charge in abeyance until the problem was properly resolved and they refused. They have not explained any of the things they did to verify their claim. 

I have made a police report and have requested copies on the signature and an image of the person making the transaction. The police will help procure both.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
RE : XXXX / XXXX Please be advised that this account was fully paid off to XXXX XXXX XXXX REF # XXXX VIA XXXX XXXX CHECK XXXX ON XXXX XXXX, 2019 AND CASHED XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam : I am a university professor who spends each summer abroad doing research in XXXX for his next book. During the summer, I always sublet my apartment, and have my tenant forward all my email on the first of each month. My tenant last year complied with my request and sent me my mail on the XXXX XX/XX/XXXX, the XXXX XX/XX/XXXX and the XXXX of XX/XX/XXXX. 

Although I got each and every piece of mail, I never received Macy 's monthly bill ; payment for it was due on XXXX XX/XX/XXXX as I understand it. 

I returned to the US from XXXX on XXXX XX/XX/XXXX. On the XXXX XXXX I discovered that the Macy ' card had not been paid. That same day I paid the full amount ( XXXX ), thus bringing the balance to 0. 

I called Macy 's to explain the situation. They instructed me to get a letter from the Post Office. I went to the Posti Office and they told me they can not prove or disprove that Macy sent me the bill any time during the summer. I explained all this to Macy 's Credit Office, but they have been most uncooperative and refuse to reconsider my case.

For the past several years, my credit score has been well  above 800 ; due to a clerical error on the part of the Post Office, my credit rating has now dropped to XXXX. This is having a very negative impact on my family finances. I am requesting that this be corrected immediately.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America 's employees damaged my home, stole my mailbox, personal items, and added charges to my mortgage that for work never performed thus inflating my mortgage balance to an amount that is not correct. Furthermore, Bank of America misled me stating that I could do a short sale to avoid foreclosure. Lastly, Bank of America changed my mortgage loan number thus I was not credited for payments made and Bank of America forceplaced an insurance policy eventhough I had my own homeowners insurance policy thus I was charged twice

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
XXXX / XXXX Please be advised that this account was fully paid off to SEQUIUM ASSEST SOLUTION REF # XXXX VIA XXXX XXXX CHECK XXXX ON XX/XX/2019 AND CASHED XX/XX/2019 XXXX has been sending me debt collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I utilized my Home Depot credit card, as I received a coupon that offered special financing. All of my purchases were made before the expiration date listed on the coupon. 

Citi Bank / Home Depot Credit Card Services doesn't want to honor the special financing - they advertised.

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 non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
My husband and I were contacted by XXXX XXXX on or about XXXX XX/XX/2019 to " streamline '' our VA mortgage loan with Mr. Cooper ; this is our current mortgage company and has been for nearly ten years. My husband and I agreed and electronically signed paperwork, that XXXX XXXX emailed, to start the process as we have done before with Mr. Cooper. During the email Mr. XXXX was having difficulty locating my email that was on file with Mr. Cooper. He openly admitted he emailed the wrong address and then asked me for my email. My response was the one on file. At that time Mr. XXXX repeated my email address and correctly sent information to me. We were told someone from another department would contact us as to where our loan process was at in the near future ; we would also be getting a packet sent via USPS. As such my husband and I awaited information from Mr. Cooper LLC. 

On XX/XX/2019, a gentleman by the name of XXXX XXXX XXXX contacted my husband and I via phone ( the phone number listed on our loan paperwork ). Mr. XXXX informed me that our personal and private information had been sent to him by Mr. Cooper LLC. He was unsure what to do with the information. I asked what information Mr. XXXX replied, everything ; social security number, loan details, birthdates, phone numbers, relatives etc. I immediately told the loan processor, XXXX XXXX to stop all loan processing in an email. I also stated to Mz. XXXX the conversation held with Mr. XXXX, a third party, about the breach of our confidentiality by Mr. Cooper LLC. The mortgage company had XXXX XXXX contact us. Mr. XXXX states this has never happened before and they are unsure how it happened this time. My husband has been dealing with Mr , XXXX to find out what they are doing to track down exactly where our information has gone. Neither my husband or I know exactly where our personal and private information has been sent ; neither does any one at Mr. Cooper LLC. The mortgage company has set their interests as the primary concern. My husband and I are left open to identity fraud and theft. We have since had Mr. XXXX send us the packet of information Mr. Cooper LLC sent to him. That arrived via USPS XX/XX/XXXX. We have also contracted a company offered through our banking entity to monitor our information as best they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the ATM at the Bank of America branch in XXXX, Ca to withdraw monies to pay my rent. Since my daily limit on my card is {$XXXX}, I withdraw {$XXXX} on my card and {$XXXX} on my husbands card. On the first transaction the ATM disbursed the {$XXXX} like normal. On the second transaction, the machine gave me the receipt like if it had dispensed the money, but it did not dispense the money. I was concerned, but felt some sense of security since the ATM 's have camera 's and it would clearly show I did not receive any money for this transaction. Since I still needed the remaining {$XXXX} to complete my rent monies ( {$XXXX} ) total, I moved used the next ATM and was able to successfully withdraw another {$XXXX}. I noticed right away I was missing {$XXXX} from my account and not {$XXXX}, but since it was a Saturday I was not able to get a hold of anybody via telephone. On XX/XX/2019 I called Bank of America and informed them of what happened. They gave me a provisional credit and said they would look into it. 

After some time, on XX/XX/2019 they reversed claim number XXXX - they removed the provisional credit citing that apparently I did receive the moneys. This is incorrect. I never received the {$XXXX} from the machine and now I am being robbed of {$XXXX} by Bank of America. I have a very difficult time speaking to somebody at bank of America who can properly assist me with this. The local branch manager is of no help whatsoever and I keep getting pawned of to 1800 ' numbers that force me to re-explain the entire situation over and over and over again, which results in a giant waste of time because nobody is willing to conduct a real investigation and review the camera footage to confirm that indeed I DID NOT RECEIVE {$XXXX} that day. I only received {$XXXX} as one of the withdrawals did not dispense any 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 monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Item described by said creditor on my report ( s ) is not mine, I am a XXXX and rarely ever use any other form of payment that isnt cash or a prepaid debit card. According to my mother letters periodically pop up from this company saying this amount is owed and to a different creditor? Im assuming theyre just a debt collection agency. Ive never heard of either in my life and dont want this to keep following me everywhere I go. Whether its to open a new phone line, or attempt to purchase anything on credit.

Company response to consumer: Closed with explanation