vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.

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 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
In response to complaint :  XXXX  FAIR COLLECTIONS & O ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX  FL  XXXX ,  XXXX , CA  XXXX  Phone :  XXXX  Fax number :  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You  have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the  Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act  ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc #   XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   XXXX    XXXX   XXXX   #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  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 2017-05-04 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: FL

Complaint narrative:
After discovering that I was a victim of Identity Theft I contacted the companies that the accounts originated from and to no avail, next I reported the incident and Identity breech to The Federal Trade Commission and then to an officer of the court in my local area as required under Federal Law. After submitting the documents via mail, I have not received any reprieve 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 2017-05-04 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was approved for an  XXXX   XXXX  Citi credit card. As part of the agreements, to earn  XXXX  miles, i had to chsrge  XXXX  in the first  XXXX  months. upon receiving my card, i began using my card and i had no issues. I was approved with a  XXXX  limit. Today i used my card while on vacation and was declined. still  XXXX  plus available. when i contacted citi from my cell phone which i provided at application, i was advised since this phone was not in my name they could not remove the fraud alert. then they said if i had another credit card, they could validate my identity. i provided them my chase credit card number so they could validate. after citi called chase, now  XXXX  had added a fraud alert on my account. i was advised that i need to send my a copy of my Dl # and ss # to remove the fraud. i am not home and i dont carry my ss card with me. to protect me from fraud, perform all these steps before you approve. dont approve me, then put a fraud alert on my account, and then ask for another credit card then cause another fraud alert while im on vacation.

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 2017-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On  XXXX   XXXX  i sent a debt validation letter asking for proof of debt Chrysler capital did not follow any of my consumer rights of validation all was sent was a statement that information is accurate not only did they work with me on consumer rights but also sold my information after i requested validation debt i have attached copies of proof i ask that this report be removed from all  XXXX  credit bureaus for they did not validate my debt and sold my contract to another agency so they are no longer handling my account it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ARVEST BANK GROUP, INC.
State: MD

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I was contacted b y Arvest Bank Group that they wanted to request a copy of my credit report for employm ent prior to an interview or employment offer. I informed  XXXX   XXXX  that I was not authorizing this and to remove my resume form the potential contenders for employment.     On  XXXX   XXXX    XXXX   my credit was requested b y Arvest Bank Group  against my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Immediate Credit Recovery
State: TX

Complaint narrative:
In  XXXX     2017  I applied to have all my student loans consolidated  and was notified that  XXXX  of my loans were about to default and I needed to fill out a for to add the  XXXX  borderline defaulted loans to my consolidation, which I did. In the process of waiting for the consolidation to be finalized and the  XXXX  loans added into the consolidation, I am told the  XXXX  loans defaulted and went into collection but I was also told that it was within the 180 day rule and that I could still have the  XXXX   loans consolidated. Meanwhile, without any prior notification or packet, which the   XXXX   XXXX   XXXX   center and the Department of Ed representative told me I was entitled to in order to prevent wage garnishment, but that did not happen an d on  XXXX   XXXX ,    2017  my payroll was garnish for $  XXXX  without any warnings or prior notice, my address has not changed and I am receiving mail at my   XXXX   XXXX   XXXX  . The amount of the defaulted loan is a little of {$2000.00} and I am being garnished for $  XXXX  and told the only way out is to pay in full up front or have the Department of Education  send a Stop  Notice. When I contact   XXXX   XXXX  , I 'm told I must get the Debt Collection Company to agree to release the garnishment to have them added into the consolidation and the Debt Collection company, Immediate Credit Recovery tells me that it is no such action, once in garnishment always in garnishment until paid off or enter into a rehabilitation program which is additional monies on top of the garnishment, which has already put me in a financial hardship and no way out ...  XXXX  Can someone tell me which information that I was given is correct and the steps to take in order for me not to be destitute?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC REPORTING THE SAME MORTGAGE TWICE, ONE UNDER HSBC T HE OTHER UNDER MORT GAGE SERVICE CENTER. IT LOOKS LIKE I HAVE TWO PAYMENTS DUE PER MONTH FOR {$2800.00} WHEN ITS ONLY ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have been back and forth with both  XXXX   XXXX  and USAA about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX previously stated that they reported the account as closed but my credit report shows as of today XXXX XXXX the account is reporting as open. They are providing false information and not cooperating with the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
In response to complaint  XXXX  AMERICOLLECT  XXXX   XXXX  ACCOUNT  XXXX  To Whom It  May  Concern : Your company have violated the provisions of section  XXXX ,  XXXX  ( a ) (  XXXX  ), or  XXXX  ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ;  XXXX   XXXX  Transunion has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA  605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible. Thank you.     XXXX ,  XXXX  SS #  XXXX  DOB  XXXX / XXXX /  XXXX   ADDRESS  XXXX   XXXX  COURT  XXXX ,  XXXX , FL  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: FL

Complaint narrative:
This complaint is against the company "   Bonneville Collections ''.
They are currently reporting two u  npaid debts on my credit report totaling {$490.00} but I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     The first account has an account number of  XXXX  and a balance of {$290.00}. The second account has an account number of  XXXX  and a balance of {$200.00}. They were both reportedly opened in  XXXX    XXXX  .     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I applied for a mortgage modification and it was denied based on financials.   There are  two  issues here. First, the bank incorrectly analyzed my financials. The income they used was {$8500.00} and the income submitted with proof of deposits were {$11000.00}. In addition, the expenses they use were {$8400.00} and the expenses submitted were {$6300.00}. A review of my credit report indicates that  HSBC is reporting my mortgage twice. Once under HSBC and the se cond under   XXXX   XXXX   XXXX   Therefore, this error in credit reporting is causing my monthly obligation to be more than it really is. Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: FL

Complaint narrative:
WEST ASSET MANAGMENT  ACCOUNT NUMBERs :  XXXX  In response to complaint :  XXXX  Your company have violated FCR  A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2  of this title relating to information resulting from identity theft, to prevent    that person from refurnishing such blocked information.   The reference items are listed below please take this matter very serious  WEST ASSET MANAGEMENT ACC OUNT NUMBERs :  XXXX  I have report your company to  consumerfinance.gov  As a form of record and I am prepare to sue your company Example  In re    XXXX   XXXX   XXXX   XXXX   XXXX    Telephone Consumer Protection Act  Litigation, Case No.  XXXX , in the  U.S. District Court  for the   XXXX   XXXX    of  Californi a Stop collect ion proceedings against me Signatures on applications and accounts Investigators report   XXXX   XXXX   SS #  XXXX  DOB   XXXX     ADDRESS   XXXX   XXXX    XXXX   XXXX   XXXX  , FL  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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, Midland Credit was sent a certified letter disputing two accounts that appeared under this company name ( receive date :XX/XX/XXXX ) With that being said, they actually added a third account after receiving my letter of validation. My letter asked for evidence bearing my signature, that I have an obligation to pay them Today is XX/XX/XXXX, I  have not received a validation of either account. I called XXXX as well, which I was told Midland Credit has not added my dispute to my credit file as require by law in the 30 days of disputing. Unfortunately ... .after speaking to XXXX XXXX XXXX  has now placed the dispute on my file. at this point, Midland is in violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the FDCPA 4. ) Violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Ocwen Financial Corporation
State: NY

Complaint narrative:
OCWEN/GMAC MORTGAGE WAS PAID IN  XX/XX/XXXX  BEING REPORTED AS CHARGED OFF INSEAD OF PAID

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have tried several times to have  Navient  update my credit reports. They are showing several late payments while I was in deferment or forbearance. I called and asked a representative by the name of  XXXX  to please send me a full file of my account and was told they ca n't and I would have to research everything myself. I have filed several disputes with the credit bureaus but they obviously are not really researching these accounts. I have sen t Navient  my student loan data which clearly shows I was never in a repayment status when these late payments were to occur and still have heard nothing. These late payments are definitely affecting my credit and preventing me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been back and forth with both  Capital One  and  XXXX  about bank accounts that have been opened in my name. Neither of these accounts did I open nor did I authorize anyone else to open. I have filed a police report as well as a report with FTC, however the banks fraud departments are telling me that the accounts will remain. I have told them over and over I am a victim of identity theft.

Company response to consumer: Closed with explanation