vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK
State: TN

Complaint narrative:
I received an affidavit notarized from XXXX, Ohio. I live in Tennessee. The affidavit claims a litigation specialist working for XXXX XXXX XXXX has full access to the USA Department of XXXX XXXX XXXX XXXX. I have a copied document with incomplete information regarding myself. The document has the last four digits of my social security number, birthdate, and certificate ID. The document is digitally signed by the director of Department of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. According to the Tennessee Secretary of State website : XXXX XXXX XXXX is a Tennessee XXXX XXXX XXXX XXXX and its registered agent is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Does the Department of XXXX allow others to impersonate a Director of  XXXX XXXX XXXX XXXX XXXX XXXX. I have never served in the military. When I applied for my Discover Card I fully checked the box that Im a civilian. The document I explained above was used by XXXX XXXX XXXX to ascertain whether I was in the military and used in a sworn statement, notarized in Ohio, and used to summons me to court. Tennessee law requires an affidavit to proceed in collections servicing. XXXX XXXX XXXX impersonation of a XXXX XXXX XXXX is absolutely amazing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I called TransUnion on two occasions and simply asked for a Transunion affidavit victims assistance form mailed to me and the same woman tells me that shes not sending one to me and I can get it at the FTC website triple www .FTC site to get a Transunion identity theft assistance form I know the FTC would not have this because its the FTC not TransUnion Im being denied of getting a simple form and I feel this is a violation Im reaching out to get this correct form that Im being denied of Please advise Thank you sincerely XXXX XXXX. 
Last XXXX of my as is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau Complaint against Bank of America From XXXX XXXX XXXX and XXXX XXXX, husband and wife In the year XXXX my wife, XXXX XXXX, and I set up a Health Savings Account through the Bank of America. In the subsequent years I made deposits into this account, as well as make disbursement requests from our banking accounts. The account number was # XXXX under my wifes name. Our mailing address and email address has not changed over the years. These were no problems for several years. 

In XXXX of XXXX, I went online to their website to request another medical expense for reimbursement. My password was refused. I called the helpline at ( XXXX ) XXXX. I was told by the agent that our account did not exist. I gave the agent all the information requested, including our names, social security numbers, and birthdates. I was told that they could not pull up the account. Calling back another day, I asked to talk to a supervisor. Her name was XXXX. She said she would look for the account in the back office to see if it was there. Calling me back, she had found it. We proceeded to reset our access into the account with a new user name and password. Subsequently I made two reimbursements requests, and the monies were deposited into our non-Bank of America account. 

In XX/XX/XXXX, I again went online to their website to request another medical expense reimbursement. My password was again refused. I again called the customer service number at ( XXXX ) XXXX. I was again told that the account could not be pulled up. After days of calling and talking to a different agent every time, I finally found one that listened to me. I suggested, and she confirmed, that I should scan and send supporting documentation from the account to her email address at Bank of America. I did this. I was later contacted by XXXX XXXX, Bank of America XXXX, Florida. We talked on the phone. She told me that the account was again found. XXXX stated that the account needed to be updated. She asked me to fill out two Bank of America forms, and send the supporting documentation to her email address. The address was XXXX. I have never received direct verification from anyone at Bank of America that my emails have been received by them. The forms I returned to them were an HSA Account Identity Verification Form, and a Name Change Request Form. These two forms and supporting documentation were sent on XXXX XX/XX/XXXX. We have not heard from them since.

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
On XX/XX/2020, my vehicle was totaled. My insurance company has been trying to get a letter of guarantee for 3 weeks so that they can release a check to payoff the loan.

Requests have been mailed and faxed multiple times and no response is given from TD Auto Finance. 
I have attempted to call as well as my agent. Each time we get transferred around and have hold times in excess of an hour and still can not make contact with an actual person who can send this information. They won't speak with the agent because he is not on the loan. 

My agent and I finally got a representative who was supposed to be in the correct department but because we were on a 3 way call she stated she could not speak to us and hung up and was extremely rude. The customer service at this place is awful. I have never been late on a payment and have been an exceptional customer, and can't even get a letter of guarantee. If you are a company that originates and services auto loans, you should have a process for scenarios such as this. I can't be the first person that has had a car totaled out and needs a letter of guarantee. Can someone please help me get a letter of guarantee so we can get this issue closed out as soon as possible. My insurance company is literally waiting on you to issue a check. My account better not be reported late because your company can't figure out a process to answer customer calls and issue letters of guarantees in a timely fashion. I will never bank with this company again, EVER.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 WF CRD SVC put lay payments on my account. This was an auto bill pay issue and the bank recognized this on their end because they closed the account then reopened it when disputed the issue with a sales rep over the phone. They sent me a letter saying they reopened the account but never removed the late payments that were associated with the same issue. It just popped p on the other bureaus and has greatly lowered my score.

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 2020-01-22 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: UT

Complaint narrative:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX reports I owe {$2800.00} to them on my credit reports this is my last attempt to try to get them to remove this account from my credit reports before i use my tax money to get a lawyer and sue XXXX XXXX XXXX XXXX and the crecit reporting agency 's. I did not make the charges on this account never received tge card in tbe mail these are not my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Republic Credit Indemnity Companies, Inc.
State: IL

Complaint narrative:
I filed for bankruptcy and it was discharged XX/XX/XXXX. I have received at least two notifications from Republic Equity Credit Services the letters include documentation from the original creditor XXXX  XXXX XXXX. The most recent notice from Republic Equity Credit Services on XX/XX/XXXX. I decide to look into why they were sending me this notices. I meet with a bankruptcy attorney and provided him with all of the documentation that was sent from Republic Equity Credit Services. The attorney informed me that this is fraudulent because both creditor are documented in my bankruptcy and the date of by bankruptcy is not documented on the letters. He also inform to review any Liens or Claims on my property with the XXXX County Recorder of Deeds. After visiting the XXXX County Recorder of Deeds I discovered there were know additional liens or claims on my property other than my current mortgage company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My chase account was hacked and a check was debuted to my account. I caught the deposit the next day with XXXX STILL in the account and Chase granted me a new checking account 3 days later. They soon let me open a business account which they then seized funds and stopped all payments on bills saying i was the one that committed fraud. I had spoken to the fraud department AND A BANKER. They waited 6 weeks for me to add money to my business account where they then shut down all accounts and took my money. I asked for the cameras which they would not produce. I am unable to open another account and i am now in jeopardy of losing my business due to Chase. The management was poor and very disrespectful also. They moved payments and then ACCUSED ME of using those illegal funds to pay my tuition when i had a cash deposit a couple of days before.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Alleged account # XXXX The 3 Credit bureaus failed to properly investigate a dispute, so i filed an investigation directly with the collection agency in the form of a sworn testimony ( AFFIDAVIT ) to which they have responded ( attachment ) that they will request that the 3 major credit bureaus delete the tradeline of the referenced account. However, they have concluded that this may take up to 90 days, to which I am disputing needs to be removed immediately!

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 2020-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION
State: OK

Complaint narrative:
BBVA Compass bank will not cooperate in the pay off of our XXXX XXXX XXXX. We paid it off back in XX/XX/XXXX but they said we still had late fees which they later told us on XX/XX/XXXX spoke with XXXX that it was " principle '' in the amount of XXXX to pay off and that was not late fees. We then traded the vehicle in on XX/XX/XXXX at XXXX XXXX XXXX in XXXX, MO. The dealership can not get BBVA to cooperate with them for the payoff either. They keep passing us to a number or extension where no one answers.

Please advise. 

Kind regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Second Round Limited Partnership, Austin, TX Branch
State: NV

Complaint narrative:
Dear CFPB I am seeking help, my rights have been violated as per 809.Validation of debts Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 809 by Second Round LLC. I sent a letter of validation in response to the letter notice of payment by Second Round LLC XX/XX/XXXX I sent the response letter on XX/XX/XXXX and have not received a response back as per 30 days. I sent a second letter of non-response XX/XX/XXXX. Second round LLC failed to respond to my letter and has since now to put erroneous and inaccurate information on my credit report. Second Round round LLC has failed to report to XXXX  that this matter is in dispute and by law can not pursue any credit reporting agency until the matter is resolved. Second round LLC has not validated this debt as per required by the fair credit reporting act section 809. I have Proof and certified mail of the timeline which shows the violation. Since they are violating the law and have not proven that this debt is mine I am requesting that all information passed on to any credit reporting agency should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
To whom it may concern I received a copy of my credit report, because I'm in the process of purchasing a home for me and my children. Upon receiving the report I noticed that it had a collections account on there with a balance of {$60.00}. There are two things here that bothers me and has now stopped me from purchasing a home for me and my children. First, this account was paid in full and it should never have gotten put on my credit report from the beginning. Second, although I paid the account I never received a notice from XXXX XXXX XXXX XXXX XXXX stating that they were putting this on my credit report. If I'm not mistaken. According to the FDCPA I must be notified within five days of a collection agency putting anything on my credit report. That was not done.

I reached out to all 3 credit bureaus and they are saying that the information was verified accurate. In which, they have not sent me anything showing how they got their information. Nor how this inaccurate account is showing verified as accurate. 
I ALSO SENT THE COPIES OF THE PAID IN FULL RECEIPT. 

Therefore, at this time I am asking that you please have this paid account DELETED from all 3 CREDIT BUREAUS. I DO NOT WANT IT JUST TO SHOW COLLECTION/PAID BECAUSE IT SHOULD HAVE NEVER BEEN PUT ON MY CREDIT REPORT. IT WAS PAID IN FULL BEFORE IT WAS PUT ON THE CREDIT REPORT. AS WELL I NEVER GOT ANY NOTICE THAT YOU ALL WAS PUTTING IT ON THERE. 

This is really stopping me from securing a home loan for me and my family. 

Respectfully, 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 non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2019, I opened a checking account with Citi Priority using their online website. 
At the end ofXX/XX/XXXX, when I had not yet received a debit card, I called to find out what was going on. Citi told me that the card had been mailed out and that I should be patient. 

I called again on XX/XX/XXXX, was told that the card had been activated and used at the end of XX/XX/XXXX, and that the card had been originally mailed to an incorrect address. They opened a dispute, but refused to close the account or to correct my address in their system. 

Between XX/XX/XXXX and XX/XX/XXXX, I called an additional eight times and spoke with more than 20 Citi employees. They advised me to file a police report, which I did on XX/XX/XXXX. A copy of the report is attached to this complaint. Citi still refuses to update my address, proactively communicate with me in any way, refund my money, or close the account even though they know that it is being used fraudulently. 

Citi reps have told me to knock on doors around my neighborhood to find out who used the card, told me to stop calling, that I should be glad that it's not a huge amount of money, that I should " get a life, '' and numerous other unprofessional comments. They've also given me contradictory and conflicting information about the account and how I can get this resolved. The only thing they all agree on is that they will not close the account and will not refund my money.

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 2020-01-22 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: CA

Complaint narrative:
I pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
To whom it my concern, The loss mitigation submission was submitted to the servicer Mr. Cooper on XX/XX/2019 and was confirmed received by the servicer on XX/XX/19. On XX/XX/19 the servicer confirmed they never opened and reviewed the new submission as due to the file being denied from a previous submission from XX/XX/2019. On this day a new review was opened up with the submission from XX/XX/19 with updated income documents included. This review was denied due to missing documents. On XX/XX/19 a newly updated package was sent with all updated documents. This file stayed in review pending an issue with the 4506-t in which we sent to them 5 times however it kept getting rejected by IRS for an unknown undisclosed reason. On XX/XX/19 I confirmed with the servicer the 4506-t was finally accepted and the file was pending a decision. On XX/XX/2019 the file was denied for excessive obligations. The file was resubmitted with updated income showing a change in circumstances on XX/XX/2019 and denied again on XX/XX/19 however when it was denied I requested we go over the financials and at this time noticed they were not using the income and expenses from the submission dated XX/XX/19 they were using the numbers from the file submitted back in XX/XX/19. I advised there was a financial change in circumstances and the submission sent on XX/XX/2019 needed to be the one they were reviewing. On XX/XX/2019 I submitted a complaint to the escalations department stating they have not been using the correct income and expenses and also attached another copy of the XX/XX/XXXX submission for their review. To date I have not received a response on my escalation at all and was told by the servicer I will need to resubmit the entire file again although I just sent it a week prior. Also in the process of getting the run around with the loss mitigation review and miscalculating the income and expenses the lender sent a notice showing the investor as someone completely different than who it is. I called the VA and confirmed the loan is 100 % a VA loan however the investor they are showing does not reflect the VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: SC

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED HAS BEEN DAMAGING MY CREDIT AND HAS BEEN HURTING MY NAME IN THE SYSTEM. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE, INVESTIGATE THIS MATTER AND HAVE THOSE DEBTS OF FMY CREDIT FILE FOR THEY HAVE WERE NOT AUTHORIZED MY ME.

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 2020-01-22 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: UT

Complaint narrative:
My identity was stolen I dont know how it happened. I have all the dates, account numbers, and amounts for the fraudulent accounts in a document attached here. I called the attorney general, the companies, credit bureaus, and no help. The attorney general told me to file a complaint here so hopefully someone can help me because this is crazy.

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