vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : Nationstar Mortgage XXXX ( XXXX ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CORELOGIC INC
State: TN

Complaint narrative:
a internet bill from XXXX XXXX XXXX I did not owe. I had inter service that stoped working so I called them, they tried to fix on the phone my internet was off over a mouth I asked to send a repair man they said no, they said my modem was bad, and they said we will send a new one at over 120 dollars I said no, so they said it would be no charge. I told them to cut off my service, but they sent the modem anyway it still did not work, so I got another internet service. mean while they sent a repair truck, he found a line down across the road, then they sent me a bill for the modem & internet service XXXX dollars, I called them, they said I had to pay. I said no, so they turned it over to a collection co. they called me an said I had to pay she said she would put it on my credit report so I paid it! I have a witness to this

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 2018-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Management Control, Inc.
State: VA

Complaint narrative:
I disputed the same accounts before. The result was to remove the negative information from my files, and yes it got removed. However, it opens the same debt amount under another name, making my credit score to go down. Im working very hard to have with my credit report and I do not appreciate for this company to make look bad when I working hard to have my record in good standing. 
Please help, these collection companies play with peoples life by doing/reporting whatever they want without knowing the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert J. Colclough, III
State: CA

Complaint narrative:
I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 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: AZ

Complaint narrative:
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three,  XXXX was the most responsive. XXXX   began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock Equifax and XXXX credit reports. I'm still unable to successfully use XXXX XXXX through the HTTP// : XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and Equifax customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and Equifax customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they Equifax and XXXX included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have been trying to link my account to several apps and or banks to have full control over my financial situation. XXXX, XXXX ( XXXX XXXX ), XXXX, My bank at XXXX, all offer online account access via online banking and can link accounts with your login, as long as TD allows the 3rd party access. I have contacted TD about this issue 4 separate times, 3 times calling them, and once in person. Every time they assure me that they allow 3rd party account access and recommend using one of their " approved apps ''. I want and have the right to be able to access my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Debt Collector : XXXX XXXX XXXX Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Account status : Open Original Creditor Name : XXXX   XXXX XXXX I did went to the XXXX  XXXX XXXX and When I got there, a XXXX  whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Opened : XX/XX/2014 ( 3 yrs, 7 mos )  Amount : {$710.00} Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX PA I called already. I had insurance when I went to XXXX XXXX, and they even got me signed a medical bill waiver because I used to have XXXX all the time too often. So what's this debt about??? 
I need these bills that are not recognized to be removed, I can't do nothing because of those unknown medical bills. It's not fair ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Amount : {$550.00} Account status : Open Original Creditor Name : XXXX  XXXX XXXX Wait! This is the same debt that XXXX XXXX is attempted to collect on XXXX. You know what I'll re-dispute XXXX XXXX today also so CFPB can see what you guys are doing is totally devastating people 's financial life. That's terrible! 

I did went to the XXXX  XXXX XXXX and When I got there, a XXXX whom were in training poked me 4 times to get my XXXX   and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
Opened : XX/XX/2012 ( 5 yrs, 8 mos ) Amount : {$460.00} Account status : Open Individual : Medical Original Creditor Name : XXXX XXXX XXXX XXXX   XXXX need to investigate this company too ... 
I have no idea what's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I live 2 hours away from it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2018 TD Bank is blocking my external application to transfer my funds from my account to XXXX XXXX. 
I called Td Bank and they refused to unblock my account access

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
During the week of XXXX XXXX, PNC bank reordered deposits and withdrawals on my account to maximize overdraft fees. Deposits were not credited to my account consistent with my PNC banking agreement. This has occurred previously on the account in XXXX and XXXX an overdraft fees were refunded. When I asked for a review and refund of fees, this was denied by the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is allowing transactions to post even when an account has a negative balance so they can collect NSF charges. A honest bank would deny the transaction ( s ) preventing customers from being charged a NSF fee. This remedy is better than me having to call and demand the fee reversal.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had a promotion with Sears master card that would expired in XX/XX/XXXX. 
My balance was {$500.00}. 2 months before the promotion expired, I made a full balance payment in XX/XX/XXXX. In the same month I started another promotion thinking my balance was paid off. 

Sears instead taking my payment and applying towards my balance, took my my full balance payment and apply towards the promotion i just started, therefore it seemed like a still had a balance from my previous promotion. 

In NXX/XX/XXXX sears applied {$610.00} in interest charges and refuses to solve this problem. 
Sears was deceiving towards the end of my promotion and it is trying to make money praying on misinformed customers.

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 2018-01-27 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: AZ

Complaint narrative:
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 2018-01-27 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: AZ

Complaint narrative:
I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 2018-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
XXXX XXXX is reporting an alleged debt that I do not know anything about. I sent validation letters certified mail and this company has yet to respond but they are continuing to report this debt on my credit report. This company is damaging my credit as well as my name.

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 2018-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I closed my XXXX " XXXX '' account due to being charged a late fee at XXXX XXXX as their closing date is at XXXX XXXX. I disagree with this and closed my account. ( They did refund the late fee ). 
I cut up my card and sent a letter to XXXX closing my account. 
Due to not having the account number I am now unable to call to make payment as the XXXX phone number requires the input of an account number. I selected any option and did find someone to accept my payment but the customer service rep could not tell me my balance nor minimum payment due as I have paid ahead on my account. 
I then requested a paper bill. 
I am unable to pay online because I do not have an account number and XXXX will not reinstate my online ability. 
I again put in writing and wrote XXXX and requested a paper bill 30 days ago but have not received a paper bill. 
I am unable to go to a store due to the location being over an hour away. The nearest store has closed that was 1 hour away as well. 
I am unable to get through by calling customer service because I do not have an account number. 
I am unable to pay my bill online because I am locked out and do not have my account number. 
I can mail my bill but do not get paid until the XXXX and do not trust the processing time to avoid a late fee based on XXXX XXXX policies and ability to contact customer service. 
How can one pay their bill? 
I want to pay online or have a direct phone number to pay my bill since I do not have an account with XXXX anymore. I find this process very difficult and not consumer friendly. But yet XXXX will immediately charge late fees at any opportunity. 
I do not want nor accept automatic payments on my accounts due to past experiences when an account is paid in full but experienced continued deductions.

Company response to consumer: Closed with explanation