vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
My monthly payments for my mortgage went up by > {$200.00} without a clear explanation from the lender ( Home Point Financial ). The increase is due to the escrow payments. 

When I called them, they could not clearly explain the reason for the increase. 

The Loan to Value on the mortgage is less than 80 %. I have asked them to explain the reason for the increase : they have been unable to explain the increase. I asked them to end Escrow on the mortgage, and to leave me responsible for paying the Taxes and Insurance on the mortgage. They have FAILED to explain under what circumstances a loan may qualify for removal from the escrow system. 

On the XXXX XXXX, when I called again asking to be removed from escrow, they dropped the phone on me. 

They have confused, lied, omitted and ultimately tried to bamboozle me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off my report.

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 2020-03-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Complaint Number XXXX Correction : The Correct Number on the BJ 's Perks Mastercard A.K.A COMENITY PerksMastercard the right Account Number is XXXX XXXX XXXX BJ 's Perks Mastercard is Closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with  particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
XXXX  is still reporting information about from Wakefield & Associates on my credit report that they havent properly disputed. I sent letters to both XXXX and Wakefield & Associates by certified mail ask them to send the sign inked document with my signature in order to validate the debt. XXXX  has deemed the Account to be accurate by FCRA rules but hasnt sent me a copy of the signed ink document for verification. I ask that they send the proper documents immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX Bank of America charged my personal account two amounts indicated as legal fees in the amount of {$120.00} and {$95.00} respectively without my authorization. The {$120.00} was charged to my account on behalf of XXXX XXXX XXXX, XXXX, a debt collection company in order to have a hold on my account and the {$95.00} was charged for releasing the hold. I find this to be illegal and exploitative to me as a customer when Bank of America cordinates witha debt collector to defraud a customer. These withdrawals put my account with a - {$150.00} and therefore led to the closure of the account on XX/XX/XXXX. 

Then Bank of America proceded to report my details to he bank credit reporting agency - XXXX  with a negative comment for Account Abuse of which i am convinced they had participated in themselves.

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 2020-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The credit card with bank of america was due on XX/XX/XXXX, the card was completely paid off ( the amount of {$3000.00} ) XX/XX/XXXX. A call was placed to customer service to see if the late fee can be waived, the representative was rude and did not want to help. Upon checking the account XX/XX/XXXX and interest amount of over {$45.00} was issues. For an account that was paid off ( minus the late fee )  XX/XX/XXXX before the billing cycle of XX/XX/XXXX. I called to obtain the late fee waived, ( first time in over 8 years of having the card ) and they stated they couldnt. On top of these they informed me they are charging me interest for a charge was made in mid XXXX in XXXX. The account was paid off the XXXX before the billing cycle ended. They were unable to explain why or even waive a late fee for the first time in 8 years. After speaking with a rep and manager I became extremely frustrating because they were not helpful at all. I explained multiple time this was the first time in 8 years I had called, they manager even stated that the pay history was great. I was also informed they place a type of promotional items without the consent of the card holder :

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 2020-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I received another Debt collector letter. I called up the same day and stated I never had this account and I want a verification letter sent to me. 
Instead they send the letter from XXXX to themselves and state it is correct. 

I then call back and state how can you send my verification letter to yourself if I am the one that has to verify it. 

I also told them twice this account was removed from one of my other agencies for not being mine. 

I also sent them a theft ID report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Need to lift freeze for student loan application. There is no customer rep, no email, no chat, no way to talk to someone at Experian. When I try to lift my freeze temporarily I receive an error that says to call. When I call there are no options regarding unfreezing and there are no options to speak with someone. If they do not have representatives they should not be in charge of credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
National Credit Systems reports on my credit report that I owe XXXX XXXX XXXX. I asked for validation and they sent me a contract with the 6th line a date from 2013 and a different rental agency than what's stated on my report. I believe this paperwork was copied and pasted. It also doesn't have an itemized list on the paperwork. This company was unable to validate their account so should be deleted immediately from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Finance Corporation
State: CA

Complaint narrative:
My brother XXXX XXXX XXXX attended XXXX in XXXX Minnesota graduating in 2007. During that time he was pressured by the financial aid office to take out several loans promising that his employment post graduation would more than pay for his loans. I co-signed him with the intention to help his career. During the time I co-signed I was an over seas military spouse with no employment. The loan company accepted my co-sign. One loan is for {$36000.00} and the other was for {$18000.00}. I was surprised they accepted. I was unaware that he had several other loans out as well. He is currently an unemployed XXXX in XXXX who was deferring his loans by remaining in school going to XXXX  college. The payments were so high he couldnt manage. This semester he finally stopped going and is seeing a XXXX  for XXXX  induced by the loans he has incurred over his time in school. My primary goal is to remove myself from to two loans mentioned because it is harming my families credit. In addition I am a XXXX XXXX with a XXXX  XXXX  that could be affected by credit issues. However I am also concerned about my brother and the XXXX  this has induced on him. Please advise. Worst case is it possible for me to try to find the funds to cover the principal balance and get removed from the loan? What can be done for my brothers overall problem. XXXX XXXX XXXX XXXX XXXX is the company that has been coming after me now that my brother is having issues. 
Thank you, XXXX XXXX XXXX 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 2020-03-17 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: CO

Complaint narrative:
Dear Experian : Credit Report # XXXX To whom it may concern I am trying to dispute the 5 months late payment indicated in FIVE parts of my attached credit report- and the funny part?? NONE of my accounts on any of my now 5 times pulled credit report with you in the past month show any late payments since XX/XX/2018!!!! See pages 28, 29, 30, 32, 34 of this credit report. WHERE ARE YOU COMING UP WITH THIS?? 

This a huge mistake on Experian 's fault and I've had nothing but problems. THIS IS A FORMAL COMPLAINT AND I AM ABOUT TO GET A LAWYER. DUE TO THIS I HAVEN'T BEEN ABLE TO GET AN APARTMENT TO LIVE IN AND LIVING AT MY PARENTS HOME. THIS FACTOR ABOVE IS 35 % OF MY CREDIT SCORE. 

XXXX Experian and XXXX  BOTH show my last late payment was up to date 2 years 3 months ago which is ACCURATE**** 2 Years 3 Months Time Since Most Recent Late Payment Your most recent late payment

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 2020-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Alexander & Associates, Inc
State: NJ

Complaint narrative:
In XXXX of XXXX I went to landlord tenant court with my landlord XXXX XXXX at that time he was granted possession of the property and he got to keep a XXXX security deposit that we had paid to move in the property. 
In XXXX of XXXX a collection agency called Williams Alexander contacted my partner stating that we owe XXXX dollars I have no idea what this debt is about. In XXXX of XXXX I noticed this debt on my credit report. I have disputed it many times and I am now starting to see payments being made on this debt. I have made no payments on this debt I dont know who is making the payments, and Im sure the bank account or credit card numbers will not match mine if it is investigated. This man XXXX XXXX has my social security number and I dont know what he is doing with my information. Please help me with this matter I pay all of my bills on time and I believe this man is somehow manipulating information being that I had to give him my personal information upon renting the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
So I filed a complaint before and the letter I got back stated that all forclouser actions have been stoped at that I was added to the loans in XX/XX/2020 then when I call and talk to someone they tell me that I'm not on the loan so they are not going to help me and not are they going to let anyone else help me after I got the letter back on here from them I sent that to a company that has been trying to help me with my loan chase told them that I'm not on the loan so they will not let them help with it and told them not to call back so they pull my leg on here and make it sound good but when I call I get no help cotradicks the letter they sent on here so I might have to get an attorney to help because they said to that they are moving forward with the fouclouser and on here they said all forclouser actions are stoped Wich is untrue I can't ever get the same answer from different people at chase

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My 3 credit cards were compromised on XXXX. Someone charged XXXX debit card for {$800.00}, XXXX XXXX credit card for {$950.00} and Bank of America credit card for {$250.00}. I immediately contacted all 3 banks and advised them that I didn't make those purchases and would like to dispute them. XXXX and XXXX XXXX have reimbursed me for above mentioned fraudulent transactions the same week ( please see attached statements from 2 banks ). BoA originally reimbursed me for {$250.00}, however on XXXX they pulled the funds out of my account and sent a letter stating they are holding me responsible for the charge. I requested a report with conclusion of their investigation because I wanted to know why I'm been held responsible for the transaction I didn't make. However, I only received a letter stating " we are unable to approve your fraud claim because our records indicate that when the merchandise was ordered, your billing address was verified and the merchandise was shipped to you address ''. As I later discovered {$250.00} purchase was made through XXXX. Vendor confirmed that electronic gift card was paid by my credit card and sent to my email XXXX. I never received this email, that's why I suspect that my XXXX  account was hacked. Looks like someone was able to obtain my name, address, phone #, email address & credit card # s through XXXX XXXX  that is linked to my XXXX. I called BoA and XXXX several times trying to resolve this issue. I spoke with XXXX ( supervisor at XXXX  ) and she said there was a charge-back to BoA on XXXX. She wasnt able to provide any written confirmation of returning funds to BoA due to security reasons. When I called BoA they denied taking the funds back from XXXX and upheld their decision of rejecting my fraud claim. 
I'm very frustrated with how BoA handled this matter. I notified them about this fraudulent transaction as soon as I discovered it while it was still pending. I filed a police report, FTC report and tried to settle it with vendor. At this point I dont know what else to do to get my money back. I paid the charge just because I dont want them to charge the interest on this transaction while it's still under dispute.I expect BoA to reimburse the funds just like XXXX and XXXX XXXX did.

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 2020-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attatched XXXX  CREDIT REPORTED Account XXXX opened XX/XX/XXXX Date Reported XX/XX/XXXX. Kindly Note Account History is MISSING FRAUD INFORMATION I REPORTED TO XXXX  XX/XX/XXXX. ( HISTORICAL ACCOUNT INFORMATION IS OF XX/XX/XXXX * ONLY. ) See attatched XXXX  LETTER XX/XX/XXXX XXXX  DID NOT APPROVE MY FRAUD CLAIMS BEGINNING XX/XX/XXXX BUT DID NOT REPORT THE TRUTH TO EQUIFAX. see attatched Criminal Investigation Letter XX/XX/XXXX of the deliveries NOT MADE XX/XX/XXXX FORWARD. WHY ISN'T THE TRUTH REVEALED? XXXX  REFUSED TO PROVIDE WRITTEN PROOF THESE ITEMS WERE PURCHASED BY ME AND DELIVERED INTO MY HANDS?? XXXX  REFUSES THEN DESTROYS MY CREDIT WITH INACCURATE INFORMATION. PROVIDE ACCURATE REPORT OF HISTORY & WRITTEN PROOF OF PURCHASE AND DELIVERY INTO MY HANDS OR DELETE IMMEADTELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Kohls has written me 30 day onto my credit report. i have never missed a payment and set up auto pay, kohls has yet to fix this and said it was not there fault. I have never missed a payment and always have been on time.

Company response to consumer: Closed with explanation