vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Kindly read the letter I have attached, giving you the synopsis of the case, sent XX/XX/XXXX to the new servicer. Shellpoint who was unaware of this information, prior to assuming the servicing rights. Two attorneys XXXX XXXX and XXXX XXXX were convicted of fraud by the United States Federal government and required to pay restitution - XX/XX/XXXX, via their ancillary business 's that dealt process service. 

Yet the two attorneys noted above, committed other frauds which have yet to be adjudicated, that I discovered during my own foreclosure proceeding that has been going on for 10 years. Such information was only discovered after they were convicted, in XX/XX/XXXX. The XXXX XXXX XXXX intentionally failed to file condition precedent notice requirements prior to commencement of the foreclosure, yet lied to the court that they did so. This occurred in my case and the nearly 38,000 foreclosures throughout New York State, in which I have been privy to review and speak with other homeowners - affecting nearly 10 % percent of the population XXXX XXXX people. 

My home is set for foreclosure XX/XX/XXXX at XXXX XXXX  Please Help --

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent dispute letters to XXXX and TransUnion on   XX/XX/2020 and they did not give proof of how i was late on my XXXX card. I was never late paying my card.

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD enrolled me into their discretionary overdraft program without my consent and then displayed my transactions online/in their app in a different order then they are posted making it impossible for me to keep track of. 

XXXX XXXX XX/XX/20 XXXX, I was charged {$170.00} in fees, but my balance was only - {$170.00}. If my balance was displayed properly I could have avoided the issue. Also, TD posted the transactions in a way that benefited them and my balance should be {$2.00}, not XXXX XXXX. 

I attempted to resolve the matter over the phone, but they were only willing to credit a portion of the egregious fees that I did not consent to incur. They were also unable/unwilling to provide me proof that I actually signed a contract with them agreeing to said fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
2008 debt. amount total according to them in XXXX they have garnished XXXX. I was never served, I have called and asked to provide me information that i had been. the amount of this bill was a little over 1 thousand with interest from 2008 it is now over 4 thousand. The only reason i knew i was being garnished was my employer sent me the information. 

The creditor is XXXX XXXX XXXX XXXX XXXX Audit and Adjustment company XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I spoke with XXXX XXXX XXXX XXXX numerous times from XX/XX/XXXX - XX/XX/XXXX over an amount of {$170.00}. I was setup on auto-pay for the duration of the lease, and I was not notified my last payment would not be auto-paid. I did not receive any notice of owing a final payment until I started receiving collection calls at work. This was resolved in XX/XX/XXXX after I made the final payment. I was assured by XXXX XXXX XXXX XXXX this would not appear on my credit report after the dispute was settled. I am confused why my report shows I was delinquent on this account from XX/XX/XXXX - XX/XX/XXXX, because the timeline doesn't match up. They also agreed to contact the appropriate credit bureaus to remove this delinquency from my report after admitting there was some clear miscommunication on their end. XXXX XXXX XXXX sent a letter XX/XX/XXXX agreeing to correct my report to show paid with {$0.00} balance and no derogatory credit marks ( attached ). As of XX/XX/XXXX, my credit score dropped 70 points after filing this complaint. I also reached out to XXXX on XX/XX/XXXX to have the delinquent mark on my account removed as promised by XXXX, and this appears to still be an issue. My credit report shows no data ( ND ) from XX/XX/XXXX through XX/XX/XXXX, when the account was paid in full XX/XX/XXXX. This account is closed as of XX/XX/XXXX, and marked as delinquent causing undue stress and bringing rise to other financial issues within my household.

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 2020-02-19 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX XXXX, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. jpmcb auto finance XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District CourXXXX, XXXX District of California, ... 

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Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: DISCOVER BANK
State: MS

Complaint narrative:
XXXX XXXXXXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with Discover Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership XXXX lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX XXXX XXXX, the plaintiff ... XXXX XXXX al, XXXX XXXX XXXX, Northern District of California, ... 

XXXX XXXX clipped XXXX XXXX entire message

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
on XX/XX/2020 I initiated a deposit INTO Coinbase from my bank account. My bank statement says : - {$200.00} to merchant COINBASE. 
When I go on the app it seems there is no history of me depositing the money nor has it arrived yet. 
Every time I try to open a case they close it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2013 with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 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: GA

Complaint narrative:
I am a victim of identity theft and there are accounts that i have disputed with the companies and credit bureaus by sending in my fraud packet that included my FTC Report, Police Report, FCRA, Credit Report, etc. The accounts are attached.

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 2020-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: PA

Complaint narrative:
For the past few months I've been disputing a collection on my credit to receive more information. All of a sudden all the mail I sent to Penn Credit got returned to me because their address is incorrect. This is the address that I got from my credit reports. They are not reporting their address correctly, and so I have received no verification of this debt. They never mailed me anything, EVER and I found them on my credit report, I know they are not reporting accurate information. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On the XX/XX/2019 I was in a dilemma. My lease had expired and I had no place to stay. Consequently, I had to search for a short term lease online all day until I found a suitable enough place to live in. At XXXX XXXX  I believed I found one - the purported land owner was XXXX XXXX or at least that is who he claimed to be. 

He offered a short term lease for the month with a possibility to renew the lease if desired for {$620.00} with a deposit given of the same amount. I was running out of options and really needed a place to stay, so we signed the contract online and I transferred him the money through my BoA app using XXXX. I did so because I believed XXXX to be safe since it was integrated in my BoA app, thus even if this was a scam at least I could get my money back. 

Unfortunately, it was a scam and he never showed up at the agreed time. I realized this and called BoA as soon as the bank opened the next day. The lady on the phone told me they would perform an investigation and I should get my money back within a few months. Satisfied with this, I waited to hear back from the bank. 

Alas, I never heard back from the bank and I never received my money either. It took me calling them in XXXX in order for them to tell me I would not be getting my money back. Their reasoning for this was that they, " asked him to give the money back but he refused. '' Is it any wonder that he refused to give the money back, given that the bank acted as a toothless tiger? At the least, they could have threatened to refer his information to the FBI. But no, they couldn't even threaten to do that and when I asked them to do so they likewise refused. 

The handling of this case is truly egregious and there is no excuse for handling it in this way. Firstly, if XXXX isn't safe at all and there is no means to get your money back it makes no sense to integrate it into the BoA app as it gives consumers, such as myself, a false sense of security that everything will be okay. Secondly, to not be in contact with the consumer and forcing them to call me is perhaps the worst customer service one could imagine with respect to this issue. Lastly, to refuse to do anything beyond simply asking the guy to hand the money back while offering no compelling force behind it is utterly ludicrous. 

It is in these veins that it would seem that the bank is utterly responsible for leaving me on the hook for months while seemingly doing absolutely nothing to resolve the issue at hand.

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 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Capio partners is trying to collect {$260.00} from an ER visit on XX/XX/XXXX. I already paid the {$150.00} that I owed after insurance adjustment. I never got any indication I owed anything beyond that {$150.00} in the last 4 years until XX/XX/XXXX when capio partners started contacting me. They have told me the service breakdown over the phone twice and it was 2 different breakdowns. I asked for it in writing and also written proof this bill is accurate and they have not sent either. I've called XXXX  hospital where I was seen to get more information on the bill, but they have been bought out since the date of service and all the old accounts that are paid and unpaid are handled by capio partners now. I can get no where with the company to show me proof I owed more than I already paid. I believe this bill is a scam because i already paid {$150.00} and it is 4 years old. Why wouldnt i have heard i owed anything more in the last 4 years if it was valid?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
The complaint Dept Consumer Financial Protection Bureau My complaint is regarding a company known as Capio Partners LLC. 
I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/2019. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XXXX  and XXXX  credit files. This is not my account and i want it removed from my XXXX  and XXXX Credit files permanently. 
Account Info Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$490.00} {$490.00} Payment Info Original loan amount {$490.00} Balance {$490.00} Updated on XX/XX/2019 Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX  HOSPITAL {$200.00} 0 % paid off XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a business and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX  XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX XXXX XXXX ... xxx, xxx, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.

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 2020-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC
State: CA

Complaint narrative:
Was Contacted regarding a vehicle accident on a vehicle I now longer own. My insurance company released me from the liability of this accident. The other parties insurance sold the debt to a collection agency which is making threats to request suspension of my licence in a letter dated XX/XX/20. I receive harasses phone call on a day to day basis. They now are trying to connect the claim to a business my husband owns and operates. I keep trying to refer them to my insurance company and asked they do not contact me but it continues to escalate on their side.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX I called Equifax to lift a freeze on my account. At that time I was asked to verify my identity - I did and I had the freeze lifted. 
On XX/XX/XXXX at approximately XXXX, I called to confirm that the freeze was still lifted as I am purchasing a home - and spoke with 'XXXX  ' who asked me to verify my identify, which I did by answering multiple questions [ Full Name, DOB, SSN, Address, etc ]. 'XXXX  ' then asked additional questions regarding the type of loans I had, the amounts of the loans, the banks the loans were with, the amounts of the loans and the amounts of the payments. I gave him the name of my student loan company, the # of loans I have with them, the estimated payment. 'XXXX  ' continued to ask about other loans - I gave him the name of my current auto loan, the approximate payment amount ; I gave him the name of my credit card issuer and the approximate balance owed, and I gave him the name of my store card issuer and the balance owed. He continued to ask for more information and I became frustrated asking him the purpose - I got none other than " verifying my identity ''. After placing me on hold, 'XXXX  ' came back to tell me he could not " verify '' that I am who I say I am - and that I had to place my request in writing and submit additional documents to " verify '' by identity - and then wait for a written response in 4-7 business days - an then I could learn if my Equifax file has a freeze on it or not. I then asked for a Manager - MORE than 5 times - and 'XXXX  ' would not comply - stating I could only talk to a supervisor. He refused to give his last name and ID #. I worked for a credit company and know how to verify callers ; I also know there are Managers on duty in a Call Center. I can not wait for 4-7 business days to receive MY credit information as I am purchasing a house. This is absolutely ridiculous!

Company response to consumer: Closed with explanation