vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: CA

Complaint narrative:
ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBC account in XX/XX/XXXX and by XX/XX/XXXX I was advised by HBSBC bank that they are going to close the account and send the funds to me within 10-15 business days. It has been almost 3 months and i still haven't received my funds. I have contacted them on numerous occasions asking for an update/resolution however nothing is being done. I went to their branches and they refer me back to customer service which refers me back to branch. On XX/XX/XXXX I contacted them again asking for an update and i was placed on 45 minute hold after that call was disconnected. There are over {$1400.00} funds in my account and i can not access them for some reason and this is has been extremely frustrating. HSBC bank isn't telling me anything nor providing solutions. I need someone from HSBC to resolve this matter and give me my money bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
We refinanced our mortgage and got stuck with American Pacific Mortgage. Our first payment was due XXXX XXXX. We made a payment of {$1000.00} by check on XXXX and the company received on XXXX XXXX. Our payment due each month is {$760.00}. Our XXXX XXXX payment was also by check and was received XXXX XXXX also for {$1000.00}. Our XXXX XXXX payment was made electronically on XXXX XXXX and received on XXXX XXXX for {$1000.00}. Our XXXX XXXX XXXX payment was made electronically on XXXX XXXX and received XXXX XXXX also for {$1000.00}. Our XXXX XXXX electronic payment was sent XXXX XXXX and received XXXX XXXX for {$1000.00}. 

They are saying we are behind one payment which is incorrect. We have been calling this company since XXXX to get this situation resolved. We have sent to them copies of the checks from our bank and a list of our electronic payments from our bank. We are constantly being told that they are researching the issue and that it will be resolved. The problem is that every time we call we are told of a new date that it will be resolved and this has happened numerous times. They have also applied two late payment fees. We have spoken to supervisors and this is still not resolved. 

We feel that this should be an easy situation to resolve since we have only made 5 payments. We are beginning to think that they just don't care to resolve.

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 2021-02-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been fighting with Capitol One for some time now. There was account open under my name that wasnt me. I have even filed a police report and sent them the copy and they wont remove it.What do I have to do to have this remove? Im attaching a copy of my police so hopefully you can help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I get my payment taken out of my account automatically every month to avoid it being late I have never missed a payment in French 2021 ally bank returned my payment I called them deb 3rd to Ask why and to pay my bill so it didnt report past due or not paid on my credit they assured me my payment pasted and cleared and Eve would be fine I told them I could pay today so that nothing happeneds to my account she once again assured me that it was fine my acc was paid and up to Date I asked her to note in my acc what was going on she said all calls are recorded so if they need to go back and listen to the call they can well 2 weeks later XX/XX/XXXX my car note is reporting not paid! I tried to call and now they are giving me one week to Come up with the money and not going to fix the credit reporting factor! This is wrong and I am very upset that due to a system error on there side my credit will take a hard hit

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/XXXX my Mother was first contacted via phone by someone who left a voicemail for her saying he was calling from XXXX XXXX, a third-party company retained by XXXX and XXXX regarding a pending legal matter that was going to be filed against me and that if I didn't want an action to be filed that I would need to contact their legal department immediately. I called the phone number and reached XXXX, XXXX and XXXX and spoke with someone who said her name was XXXX. She explained to me that the reason they were trying to reach me was because they were in the process of trying to serve me legal documents at my place of employment or anywhere they could reach me regarding a Chase debt ( that I had settled on XX/XX/XXXX ). I emailed her a copy of the paid letter and receipt. She responded that the settlement was actually only a payment and that this payment restarted the statute of limitations on the debt and that I still owe the debt. She encouraged me to acknowledge the debt and enter a payment plan and also stated that she and an attorney in her office were trying to add the debt to my credit report since it had not been reported, in error. I responded that I believed I had already settled the debt in full, that it was resolved, and that I would be getting in contact with an attorney to assist me with this matter. She responded that it would be cheaper for me to just settle than to pay an attorney and reassured me that she was calling from a legitimate, licensed debt collection agency. She encouraged me to look up their business license with the department of Commerce. She also verified my social security number and many other person details such as how much credit I currently have and most recent place of employment. I continue to receive debt collection calls about this settled debt from spoofed numbers threatening that I still owe the Chase debt and that they will sue me and see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ATTENTION TO XXXX XXXX  XXXX  I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX  in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve 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
Consumer complaint received 2021-02-18 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: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX, MEDICAL BUSINESS BUREA ( Date opened XX/XX/XXXX XXXX add a derogatory mark on my credit reports.MEDICAL BUSINESS BUREA did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2020 I charged {$10000.00} to my Citi credit card for dental services with XXXX XXXX XXXX. Several minutes later, I called Citi to cancel the charge due to the XX/XX/2020 dental appointment date and other negative issues linked to XXXX XXXX. I was informed by Citi that the charge couldn't be canceled.

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 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
In XXXX of 2012 we filed for Chapter XXXX Bankruptcy case, after 4 years of this intensive process, our BK was successfully discharged. As a result, the Bankruptcy judge approved a Stipulation with new terms and conditions including a reduction on the balance on the mortgages we had with creditors at the time ( XXXX  ). 
We've been contacting this particular Servicing company over the phone and requesting to adjust and correct the total balance from this loan as it still reflects the original Pre-Bankruptcy balance in our account. 
We are now trying to refinance that specific loan, however Rushmore Loan Management Services the holder of the note explicitly declined to comply with the order from the judge in Bankruptcy court. 
We provided a formal request and the proper documentation to fix this error in their books with negative results from Rushmore. 
We are including all the documentation we presented to Rushmore, including : -Our formal request -Copy of the Stipulation approved by the BK judge -Final Decree showing our BK case was successfully discharged -Included you will also find Rushmore 's negative response to our request. 

Needless to say, this is preventing us from refinancing this loan and creating an enormous amount of stress in our family. 

We thank you in advance your help and support to our request for assistance. 

Respectfully XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: Lending Club Corp
State: NV

Complaint narrative:
There are two accounts that DO NOT Belong to me on my credit on XXXX these are not mine I have no clue why they are even on my report or what they are for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, we respectfully filed a complaint with the Florida Attorney General against Bank of America for failure to abide by a stipulated agreement on XX/XX/XXXX. In exchange for a loan modification, BOA demanded that we sign a consent to judgment. What happened next will blow anyones mind. After the consent was signed, BOA failed to provide a loan modification and instead transferred the loan to fraudulent Rushmore which they tried to sale our home a few times while ignoring many mortgage assistance request. BOA entered into a consent to judgment in all 52 states including Florida for Unfair Business dealings in regards to loan modifications. BOA failed to abide by its own consent to judgment with the United Sates of America in connection with our loan. The last correspondence from BOA they indicated to have a resolution by XX/XX/XXXX. As of today XXXX XXXX, BOA not only failed to provide a resolution but also failed to answer the complaint to the Attorney General. Sanctions should would be appropriate at this juncture.

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 2021-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from Credit Control LLC ( hereafter " CC '' ) stating that I have an outstanding balance of {$30.00}. CC stated that the debt originated from the company XXXX XXXX. During the call, I informed CC that I was disputing the debt as it had been paid timely. The CC representative informed me that I had to call XXXX XXXX  to solve the matter directly with them. 

On XX/XX/XXXX, I called CC and requested that CC mails me written documentation validating the debt, as it is my right pursuant to the Fair Debt Collection Practices Act ( FDCPA ). On the same call, I also provided CC with my home address. 

As of today, XX/XX/2021, I have not received any written documentation from CC.

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 2021-02-18 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: WAKEFIELD & ASSOCIATES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, WAKEFIELD & ASSOCIATES ( Date opened XX/XX/XXXX ) add a derogatory mark on my credit reports.WAKEFIELD & ASSOCIATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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 began foreclosing on my home. I reached out to Bank of America and was told that I would be given the opportunity to modify my mortgage. I called Bank of America several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of America and was told that Bank of America made a mistake and that there was {$18000.00} that Bank of America overcharged me this the monthly mortgage payment would change. 
Furthermore, I was contacted by Bank of America 's attorney via email on XX/XX/2021 with an attachment from Bank of America dated XX/XX/2021 which states that I can be re-evaluated. I called Bank of America on XX/XX/2021 and was told that they could not speak with me. Please help I don't want to be foreclosed upon.

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 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
When I made the initial payment arrangement I did not receive a statement of the debt or a settlement letter/ payment schedule. 
I received a letter XX/XX/XXXX stating the office was open again and could call to have questions answered and/or apply for Covid relief.

I attempted to obtain my amount owed over many months, my calls or messages were ignored. I was never told my debt balance after the office closed due to COVID-19 following my initial calls to request the information in XX/XX/XXXX. 
I made a payment and continued to attempt to contact, I submitted yet another payment in XXXX, and still had not been contacted or was able to contact the office. On XX/XX/XXXX I called again and finally reached the office it was at this time they informed me they cancelled the agreement because the XXXX payment did not process their website ... The had not attempted to contact me in anyway, and I did not receive my monthly notice, with the payment information. 
Bottom line, they refused to contact me and refused to inform me that the payment did not process before voiding the agreement. They refused to honor their statement of being available for questions or COVID relief. 
It appears they were waiting for an excuse and for all I know their internet payment server was down when I made my payment! BUT THEY ABSOLUTELY REFUSED TO CONTACT ME, even after I reached them and they promised a call back within an hour they still didn't call to give me the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Please refer to previous complaints # XXXX - XXXX and # XXXX - XXXX for the history of this problem. To summarize the previous complaints, after contacting the CFPB and filing a complaint I received a call from XXXX XXXX XXXX 3 days later where he left a message to call him. I tried to contact him on 4 different occasions as outlined on complaint # XXXX only to receive a strange call from XXXX XXXX where he said he had dialed the wrong number and hung up. 
Now Bank of America has sent a notice/statement stating that they did not receive the XXXX payment which was sent XX/XX/2021 check # XXXX. After reviewing the document I see where it was received on XX/XX/2021 and was applied, unapplied and misapplied reversal 44 Times! ( see downloaded documents ). At this point I believe Bank of America has lost all credibility and this needs to be investigated immediately. 
Thank you XXXX 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 monetary relief
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hello, I was contacted last week by a woman named Ms. XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in 2011. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is XXXX XXXX XXXX XXXX extension XXXX. 
She also called me from XXXX XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX and experian to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hi my name is XXXX XXXX ( XXXX internet usefname Ive been calling boa since XX/XX/XXXX regarding my frozen account today is XX/XX/XXXX nobody has given me any helpful information

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