vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
On XX/XX/XXXX, one of my elderly relatives located in a different city called me over to their house to inform me that a sheriff arrived at their front door with papers for a lawsuit pertaining to me. Immediately, my elderly relative, who answered the door, came under distress seeing a sheriff knocking on their door. The sheriff served them papers that were related to me. The organization behind the lawsuit was XXXX. XXXX sent Kohn Law Group my incorrect information and are threatening me with a lawsuit. First off, XXXX does not have my accurate information and nor can they prove the credit card debit of XXXX card is still currently an outstanding debt for me. My credit report shows XXXX who sold my account to XXXX XXXX is no longer open and has been charged off as a bad debt. Now XXXX and Kohn Law Firm and their entire basis for a lawsuit is based upon a statement from XXXX. They have no current proof or documentation from XXXX ( My original creditor ) informing them to collect this debt on their behalf. Furthermore, the information that XXXX posses about me is incorrect which is why the papers for the lawsuit were served at the wrong house! I have been living at my address for the past 22 years, it makes no sense for the papers to go to the wrong house. The address listed on the served papers is wrong, therefore, I am attaching the first page of the papers that were received to the wrong address. My reputation and financial information were completely violated. To make matters worse, when I contacted XXXX, asking an employee whos name is XXXX, to prove to me this debt belongs to me or prove to me that XXXX has authorized them to collect this debt on their behalf he hung up. He hung up because he had no information proving this entire debt belongs to me. Before he hung up the phone call, I asked him to provide his ID # or extension and to let me speak to a manager, but instead he hung up. All the information XXXX has pertaining to me is inaccurate as well as this debt. Barclay has written off my account and did not reach out to me to pay them any outstanding amount. XXXX who is working alongside with Kohn Law Firm are trying to pin this illegitimate debt to my name and are threatening to bring me to court. They have also listed my employers information on the court papers as a means of harassment. I do not want XXXX or Kohn Law Firm to contact my employer with this false and illegitimate debt. This is a form of harassment and a misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I have repeatedly requested written information about the debt and made it clear I was willing and able to negotiate the debt if they were able to prove they legitimately owned the debt, ceased to harass me about legal repercussions such as prison, ceased to ask for my social security number over the phone, and ceased to ask for my credit information in email and over the phone. They have never been able to display any kind of legitimacy, and I believe it is a scam, but if it is truly the owner of the debt then their tactics certainly fall under harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
A merchant accepted payment for resume writing services ( via Bank of America credit card ) and failed to deliver. This complaint is in regard to the unfair banking practices of the Bank of America Fraud Dispute process. 

On XX/XX/XXXX I contracted with a professional resume writer ( merchant ) to update my resume and provide additional services for {$380.00}. Payment to the merchant was required in full, up front, online. I paid via my Bank of America ( BofA ) credit card. The merchant failed to deliver on his contract, and made excuse after excuse when he would respond to numerous attempts to contact him. By XX/XX/XXXX when deliverables from the merchant were not delivered, I requested a full refund if he would not provide. On XX/XX/XXXX via email, the merchant agreed and responded that my refund has been processed. There was no refund to my BofA credit card account by XX/XX/XXXX, so I started a Fraud Claim through BofA. 

I responded timely to all of the BofA requests for information & signatures. About 2 months into the 3-month claim review period, the merchant responded to BofA to dispute the claim. The root of his flimsy claim was that his disclaimer notes no refunds are issued following development of initial work product. However, he did not deliver a work product, nor did I accept a work product. 

BofAs claims department then requested additional information from me, within 6 days, including an unreasonable request : A signed second opinion letter from another qualified merchant in the same profession, on their letterhead, that specifically details how each disputed item listed on the merchants original invoice is considered defective or not as described. The letter should include an explanation of the steps that are necessary to correct the merchandise or services, along with an estimated cost to repair. 

Providing 6 days to do this before closing the claim is ridiculous and unfair. In order to do this, for the services provided, I would have needed to hire another resume writer to do as much work as the merchant should have done, and more, costing as much as the claim. This is absurd. Any literate employee in the fraud department could have reviewed the materials I provided and made this determination. 

I responded to BofA with all of the information requested, excluding what was unreasonable and unobtainable within 6 days. BofA then closed the claim and gave the merchant back the funds that he defrauded me for.

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 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: NY

Complaint narrative:
On XX/XX/2020 XXXX XXXX pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: FL

Complaint narrative:
On XX/XX/XXXX a collection appeared on my credit report from XXXX XXXX. It was an amount from XXXX. They had tried double billing me so I did a credit card dispute for the double charge. They took both charges of my account, but then instead of sending me a bill they sent it to collection instead. When I received the collections letter, I paid the original creditor in full, however the collection agency still shows on my Equifax report. I tried to dispute the inquiry however 2 months later my report still shows in dispute. Payment was issued in full to the creditor, before 30 days was even up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
My current home mortgage is thorough XXXX sub handled by MyLoanCare. I am currently trying to finish a refinance of my mortgage. All I need it the payoff amount fax or sent to the title company. I have tried for 3 weeks to email and fill out the requests on the MyLoanCare website and I have not received any information or acknowledgement of my request. I have tried to call and there is ZERO ability to talk to a real person. I have tried to call XXXX and they just transfer me to the same automated phone system for MyLoancare and you can not talk to anybody. This should be criminal! They are holding my mortgage hostage while I have to pay a higher interest rate!

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 2020-08-03 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Associates LLC -XXXX : This is being reported to my credit file erroneously as I have paid this debt and no longer owe this balance. This needs to be removed from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
I asked to have the debt verified which it was not in XXXX and then after that its been repeated calls from this company to my phone using multiple numbers. These are the numbers they have used to call me : XXXX that was XX/XX/XXXX, XXXX XX/XX/XXXX,XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. There are many many more that I can list on top of that they send letter to my home. Ive asked to be taken off their call list in XXXX. It has not stopped and I feel vey haressed at this point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have attempted to refinance my original mortgage with Quicken Loans. Quicken is the original mortgage holder of our FHA mortgage. We turned in all of our documentation, which shows a combined income of over {$170000.00} a year, including a traditional profit and loss sheet from my wife 's XXXX XXXX. The refinance amount was {$450000.00} over a 17 year period at 2.8 %. Our credit is immaculate and our income is actually greater than when we originally bought the house. We received a denial letter dated XX/XX/2020, that says, Debt to Income : XXXX XXXX Income not supported. The problem was our Quicken Mortgage Banker, XXXX XXXX, has no idea how to read a profit and loss statement. Her misinterpretation of how a negative number represents income caused her to enter information incorrectly which caused this fiasco. I have been able to obtain approval with another mortgage company at a better rate and with a 15 year commitment in less than 24 hours with the same information I supplied to Quicken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I strongly believe there was a misrepresentation with regards to the two CC account that were opened up. 

The applicant was never informed that the application was a promissory/instrument that was monetize and/or securitize without the Applicant/Grantor being fully disclose to. 

That why as the grantor of both said accounts that I demanded that the CEO of XXXXapital One produce all documentations regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
XXXX XXXX {$1200.00} XXXX XXXX {$1400.00} I called the insurance company and the hospital about these bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
my complaint is about Specialize Loan Servicing company.My loan was held by XXXX XXXX XXXX after taken from XXXX XXXX.In XXXX XXXX  give it to this company everything was fine until this XXXX when my insurance was increased. Immediately I made telephone contact regarding cancelling to a lower premium of which I did. You will note in the articles I send. After that was taken care by a person by the name of XXXX ext came a bill with a different payment. I spoke to XXXX who assured me that the insurance, monthly payments that I send and the total Escrow Balance that they quoted paid in full plus some overpayment.Why the overpay amount at first they send me a balance for {$4500.00} after I paid that they send me a different amount instead which is {$3800.00} you will also note in the receipts I send a correspondent requesting a new calculation since I paid the escrow in full and my taxes remains the same I pointed out that my monthly mortgage payments should be less.The new insurance is almost 1/3 of the new and still below the original which was $ XXXX.Up to the month of XXXX my monthly payments remains at {$1300.00} XXXX stated I should wait for a new bill while she make sure all the monies are placed in their proper place including the monthly payments that I still send'She also told me that they record only partial payment for the month of XXXX I send the copy to the company for it to be fix..In XXXX there comes an incorrect bill -- you will note I spoke XXXX relate the whole problem nothing is been done. While this is going on the company is sending me delinquent lettere two in each month.The payments varies each month XXXX it was {$20000.00} XXXX $ 1994.88+ {$50.00} XXXX $ 1994.88+ new fee and also escrow amount I am so frustrated, full of fear of loosing my house I am XXXX XXXX XXXX, retired I cant afford to loose my place especially when the problem is due to a company that refuse to make things right. I have to combine my social security benefit check with my retirement check to make monthly payment I am already stressed this problem is making my XXXX XXXX going through the roof. I do everything they requested still there is no cooperation on their path. when looking into this matter Please note My escrow Balance is paid in full by me. MY taxes amount remains the same and ( 3 ) my insurance is less than my original amount and less than 1/2 the amount of the {$5900.00} that is cancelled. with these in mind there is no accountant can calculate my payments to be more than my previous payments. It MUST BE LOWER THAN {$1300.00}. 
I am looking forward for your help. 
If there is anything that you need to verify you may call XXXX text or email me at 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 2020-08-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I leased a XXXX XXXX XXXX and returned it at lease end. I did the lease-end inspection prior to returning the vehicle to Hyundai. I paid all of the lease installments with no problems. 
One day I received credit alerts from my XXXX XXXX " credit-wise ''. I looked it up and found out that Hyundai-finance reported that I was 30 days late on my lease-end bill which I never received and only heard about it through the credit bureau reporting. I know that there is a bill that will come any day but never received one. 
The day I heard about the late filing I searched my email and did not see any Hyundai emails. I went to my account online to see if there is a bill but there are no bills/invoices listed at all. Attached is a screenshot from my account. 
By the way, my account is still showing an old bill from XX/XX/XXXX that was paid on time. See the attached payment record. 

I called Hyundai immediately and paid the invoice in full. I asked if they can adjust the negative reporting but they said I have to mail them a request. I mailed my request to the Hyundai dispute department on XX/XX/XXXX but never heard back from them. 
I went on my XXXX account and disputed the negative reporting but never heard back from Hyundai.

Today, I see that they added a 60 days late payment into my credit report. 
My question to Hyundai is, how come I never received a bill from you or your collection department and now I am late in payments that I've never been late on? 
I believe it is my right as a consumer to be given an invoice with billing date and due date. 
Attached are *Account details screenshot. 
*Account payment proof for the payment still showing on the account which is dated XX/XX/XXXX. 
XXXX A letter that I sent to Hyundai credit dispute department * A letter from Hyundai showing the account paid 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 2020-08-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I had been using XXXX XXXX to keep track of my credit scores and build my score. 
I noticed one day my score with Equifax dropped 83 points from XXXX to XXXX. As I reviewed the 'reasons ' it showed four payment ALL as positive actions toward my score. 
I couldn't reach anyone at XXXX XXXX so I contacted Equifax directly. I paid the {$15.00} to obtain my score from Equifax and it was XXXX! 

O.K., good I thought. So I applied for a mortgage on XX/XX/20 thinking my average score would be good since Equifax was at XXXX. I just received the disclosure from the lender and the Equifax score shows XXXX!! 

I contacted Equifax and they wanted another {$15.00} to give me the information on my score just 15 days later!! I had NO missed payments, NO new credit, etc. How does a score drop like this and nobody can explain. As a matter of fact, Equifax told me there was no way to file a compliant with them?? 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently sent letters on XX/XX/XXXX to to the credit bureaus and they are disregarding a regular consumer dispute. I have sent letters to them prior to this due to this matter that needs to be resolved immediately. The inaccuracies has taken a toll on my life and to not be getting a response is beyond crazy to me. There are laws that they must abide by. 

Today is XX/XX/XXXX and i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get in contact with them and get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter

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