vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-21 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not own or know this account. I demand an investigation and removal of this collection account that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I currently have my XX/XX/XXXX accounts at Bank of America since XXXX. In XX/XX/XXXX I instructed the bank that my Legal business name and tax ID # was NOT changing only my XX/XX/XXXX name and submitted all the required paperwork to have the XX/XX/XXXX changed. I was told that in XX/XX/XXXX, BofA changed their policy and I can no longer change the XX/XX/XXXX name and would be required to open all new XX/XX/XXXX accounts. I explained that 2 other banks in the area had no problem just changing the XXXX name since my Legal name and tax ID was not changing. After speaking to the branch, I then called the XXXX number and was told they will look into it. I also explained that this is fraudulent sales practices just to obtain new business accounts. I have numerous ach withdrawals that come out of the account and it is also tied to my XXXX XXXX, state sales tax etc. and this is unfair. I then received a letter in the mail dated XX/XX/XXXX informing me that I can go into the branch to change the XXXX name. I reached out to the branch again on XX/XX/XXXX informing them that I received a letter stating to go into the branch to change XXXX name. 
On XX/XX/XXXX, the manager contacted me to let me know this is a generic letter that went out to me and to ignore it and I would be required to open all new accounts as the policy changed and they can no longer change the XXXX name on the account. I will not be opening new accounts at bofa and will be moving my accounts, however, this is deceptive just to obtain new accounts to meet sales goals, I believe this is similar to XXXX fraudulent sales practices, except in this case it is not the employees doing this it is the change to their corporate policy, so therefore it makes it Legal. I will be moving my accounts, however, in the meantime my checks may not be accepted as they will be made out to the new XXXX name. I plan on taking this to the media as well to let other XXXX XXXX customers in this XXXX area know that the bank is causing harm to customers requiring them to open new accounts for absolutely no reason at all. 
Case # XXXX Case # 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 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Funding said I owed a debt that was not my debt. I contacted them to let them know it was not my debt. This was in XXXX. They filed a lawsuit against me and I showed up in court. They did not show up, so the judge said to reschedule the court date. I did not receive notice of another court date. I did not receive any other correspondence from Midland Funding or from the court system. 
My employer received a letter from XXXX XXXX XXXX in reference to Midland Funding with information to garnish my wages. I did not receive any information from Midland Funding or from XXXX XXXX XXXX about this. The letter to my employer had the correct address, but the employer 's name was incorrect. It had a former employer of mine listed instead of my current employer. In the letter to my former employer ( that was sent to my current employer ), it had where there was a court case filed against me on XX/XX/XXXX. I had no knowledge of this at all. I was not served papers, I received nothing in the mail, and I received absolutely no notification of this action taken against me. I was not aware anything was filed in XXXX until I received a copy of the information XXXX XXXX XXXX sent my employer on XX/XX/XXXX. 
The initial debt was not even my debt and I am still dealing with this 4 years later. Correspondence with the companies has been terrible. 
I have recently separated from my husband and I am in the process of getting a divorce. I went from a two income family to being a single parent of XXXX children. Both children are beginning college in the fall. If Midland Funding/XXXX XXXX XXXX garnish my wages, this will cause undue hardship on me. I do not have the ability to pay this debt, and it is not even my debt. Midland Funding and XXXX XXXX XXXX have not followed the laws in that they have not had clear communication with me. They have gone behind my back and filed a lawsuit that I knew nothing about for 4 years. I would also like to know if the statute of limitations can go into effect with my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: OH

Complaint narrative:
Two USBank credit account were opened in my wife and Is name. They are not will to budge with us that these are identity theft accounts. Claiming we opened them. Which we did not!

They are listed as Chargeoffs on my credit report. I pay all of my credit accounts on time. If I had opened these accounts. They same would have been done with theses.I have filed a police report and FIC 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 non-monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with 01 XXXX XXXX and I do not have a contract with THE CBE GROUP INC-FORMER plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX XXXX XXXX : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.

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 2021-06-21 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: EQUIFAX, INC.
State: HI

Complaint narrative:
This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALLOWED COMPANIES TO SUBMIT INFORMATION THAT WAS NOT AUTHORIZED BY MYSELF ALLOWED COMPANIES TO PAY FOR INFORMATION ABOUT MYSELF WITHOUT MY CONSENT FOR A PROFIT NEVER CONTACTED ME TO VERIFY THAT I GAVE PERMISSION TO THESE COMPANIES TO GATHER DATA ABOUT ME DID NOT VERIFY THAT I WAS AWARE OF WHO THESE COMPANIES WERE ( ARE ) SELLING MY DATA WITHOUT MY PERMISSION AND CONSENT REACHING OUT TO OUTSIDE COMPANIES IN AN ATTEMPT TO OBTAIN INFORMATION ABOUT ME WITH OUT MY CONSENT FOR A PROFIT TO REPRESENT ANOTHER COMPANY THAT PAID THEM

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 2021-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hello and sorry this is going to be long I filed for a chapter XXXX which was dcd satisfactory in XXXX. My chapter XXXX was dcd satisfactory this year in XXXX. I had a sallie Mae/Navient loan in XXXX which has been in derogatory status for a few months prior to my chapter XXXX filing. 

We know student loans can not be dcd via bankruptcy unless undue hardship can be proven. However something told me to research the loan that I had. I took out what was called tuition saver loan which is considered a non traditional student loan. This was a loan they offered for students only which was sent directly to the student to do basically whatever they wanted. Which I took advantage of to help with bills and whatnot as being a young single parent full time student part time job. 

After doing my research, I found out on several different platforms from back XXXX searches that Tuition answer loans are NOT student lands and are FULLY discharged debts in bankruptcy. 

My immediate thought is that this should have been resolved when my chapter XXXX was completed. They were included in my chapter XXXX and received a payment. Now that my chapter XXXX is complete, they have went back to reporting my account as derogatory, charged off and my account is still headed for collections. I have provided them the info, and they refuse to budge. Im thinking that not only should this debt be done, but any money Ive paid since my chapter XXXX should be returned with interest. 

Im wondering what should I do? I have reached out to the credit bureaus and Navient and they both are giving me a hard time and refusing to honor it. Can anyone give me any advice? This is tanking my credit. I have provided a screen shot of What I have found which is what I keep finding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid off a balance transfer. Chase did not allocated my payments to my balance transfer. This resulted in overcharges and additional interest at Chase 's benefit and my loss. I contacted chase in XXXX. They verified it was a mistake. I was told the account would be reviewed and fixed in 14 days. It was not. This month, I still was charged. XXXX, from XXXX, XXXX stated I had to pay purchases off too, incorrect. I now believe I have been overcharge from the date of the transfer. I am requesting a review of my account from the date the balance was transferred to date and how the money was allocated. I'm requesting my account is refunded the interest and the amount I was overcharged. I was told today, XX/XX/XXXX and XXXX from XXXX was confused about the balance transfer rules and disregarded my concerns and suggested I still owed. She would not transfer me to another person to resolve it. She was determined to not review my account in depth and gave me knee jerk reaction and inaccurate information in which she totally did not know the rules to balance transfers. In the meantime, I, the customer is at a lost. 
I am recurring debt that was paid off. Chase - Amazon has cause damage to my finances and credit reporting is inaccurate. Chase refused to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Acceptance Corporation
State: CA

Complaint narrative:
Please review my Inquire # XXXX I filed it with the CFPB on XX/XX/2021. On XX/XX/2021 I received an automatic email from the CFPB stating the Debt Collector has not responded to my inquire, this last XX/XX/2021 I received another collection letter from them, It clearly shows this Debt Collector doesn't have any interest to respond my DEBT VALIDATION LETTER I submitted along with the previous inquire. 
Im attaching the collection letter received from this debt collector LEONARD & ASSOCIATES demanding now {$170.00}. I'm attaching the letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX Borrower entered into an addendum agreement with Seller to extend the closing date of the Subject Property to XX/XX/XXXX per the promise of funding by Amerisave Mortgage. 

Funding to be accomplished by Amerisave Mortgage per " loan origination agent '' and Loan Origination Manager '' by or before XX/XX/XXXX. 

Buyer allows the " Earnest Money '' ( {$5000.00} ) to be transferred " non-fundable '' ( XX/XX/XXXX ) to Seller for credit to the purchase price at closing justifiably relying on the verbal promises of Amerisave personnel to the Buyer Realtor & Buyer. 

On or about the XXXX day of XXXX seller issues Buyer a " Cure Notice '' stating that Buyer must close or Seller will keep all earnest money and cancel the purchase agreement.

Buyer and Buyer Realtor notify ( telephone & email ) Amerisave ( 4x 's ) of the impending financial damages to the Buyer from a failed funding by Amerisave. The Seller cure notice expires ( XX/XX/XXXX, XXXX, PT ) without any " urgency or financial commitment '' by Amerisave. 

Numerous calls were made again on XX/XX/XXXX to save the purchase agreement and prevent the earnest money ( {$5000.00} ) of the Buyer from being irretrievable. 

The calls of XX/XX/XXXX were finally responded to by the Loan Origination Manager at XXXX XXXX PT ( XX/XX/XXXX ) stating that he had been " out of town '' for the last 4 days or so and will get on the " funding progress '' as soon as possible. 

The challenge being is the the Loan Processor was scheduled out of office from XX/XX/XXXX to XX/XX/XXXX and made all " loan issues '' forward to the Loan Origination Manager '' who was also out of office at the same time. Notwithstanding, both agents knew or should have known about the closing dates of the " purchase agreement '' under their control. The Buyer and the Buyer 's Realtor notified Amerisave several times about the impending financial loss to the Buyer. 

Amerisave finally funded the purchase agreement on XX/XX/XXXX, 5 days after the " cure notice '' took effect and 2 days after the Seller had cancelled the agreement. 

the Seller exercised their option to cancel the purchase agreement and to get more money from the current market. 

the Buyer lost {$5500.00} due to Amerisave 's lack of professional due diligence and lack of promised performance. Amerisave 's failed performance forced the Buyer to spend an additional {$25000.00} in funding costs and 5 to 10 days of extended stay costs to find a replacement property.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/21 I attempted to close my credit card account with TD Bank N.A. and was informed that I would have to forfeit any rewards balance under their redemption limit of 2,500 points. I have a balance of XXXX  points. I understand a redemption limit for on going business purposes but I'm closing the account. Therefore, I am entitled to any money earned. This forced forfeiture is nothing more than theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
*FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT FROM MYSELF *FOR PROFIT HAVE ALLOWED COMPANIES TO SUBMIT AND REPORT AND LIST AND INQUIRE WITHOUT WRITTEN AUTHORIZATION AND CONSENT

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