vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 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: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX I authorized my mortgage payment through us bank. On the XXXX of XXXX my mortgage payment submitted a UNAUTHORIZED withdraw of {$2600.00} and US Bank paid the amount. Knowing that I did not have nearly any funds remaining in my account. By them doing so it has created chaos is my life. To this date my account has had two deposits made from my social security check and pentions and I still remain at a. Neg in my account nsfs keep mounting. I have not been able to pay any of my bills and my utilities is about to be cut off my life insurance policy has lapsed I can't buy groceries the bank has not returned any of my messages when mortgage company does not take any of my calls unless I'm calling them to pay my mortgage which I have not been able to do I am at my Wit 's end and I don't know what to do if already been hospitalized once already due to the level of stress I suffer from XXXX XXXX and I'm an XXXX year old woman if you can please help me that would be incredibly a blessing thank you XXXX XXXX if you do call are you authorized my son XXXX XXXX to speak on my behalf.

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 2020-03-12 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from XXXX. 

I disputed the account with XXXX  via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with Select Portfolio Servicing via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with XXXX  which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by Select Portfolio Servicing from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to XXXX  and to Select Portfolio Servicing and the Court Order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. Experian, and XXXX  have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.

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 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase wrote me a form letter promising a " Chase Closing Guarantee '' of {$1000.00}. I called the number and spoke to XXXX XXXX who then ended up quoting me a rate of 3.0 % for a 7/1 ARM ( they have my current mortgage so I qualify for the " Guarantee ''. The follow-up was for me to unlock my credit and send account statements - which I did the next day and asked to loct the rate. No response that day ( XXXX ). On Thursday ( XXXX ), I contacted them, again. He responded by saying that he had nbeen out of the office the day before and acknowledged receiving my XXXX e-mail and said he would get back to me that day - no mention of rates moving up and no follow up on XXXX as promised. I -emailed again on XXXX asking to fix the rate - no response or follow up that day either. I emailed again on Saturday XXXX saying that I was anxious there had been no follow up and that I had turned away another lender that had made a commitment to refinance my mortgage at a slightly higher rate so that I could refinance with my existing lender at the better rate. At this point, XXXX XXXX toells me that the rates moved UP (? ) on XXXX ( three days earlier ) and that he still hadn't pulled my credit. I believe this is more than simply bad communication or followup. It was bait and switch. They quoited a rate, stopped responding to my e-mails ans said their rates had increased. That is baloney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
ftc violation Santander Consumer USA, XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: IL

Complaint narrative:
Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. 

Additionally, rather than actually investigating items Experian has systematically and maliciously changed items on my credit report to cause my score to worsen. 

ACCOUNTS DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX XXXX XXXX {$400.00} not mine

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 2020-03-12 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: FL

Complaint narrative:
I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Online Collections is Tarnishing my credit report with a fraudulent account that is not owed! I have know knowledge of this fraudulent account, and they are violating the FAIR DEBT COLLECTIONS PRACTICES ACT for reporting on an account that is due to fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: The Phoenix Recovery Group
State: CA

Complaint narrative:
I am a XXXX year old woman who is continuously badgered by Phoenix recovery group who refuses to disclose an original debtor and his attached the {$14000.00} lien on my credit. They continue to call me during my work hours while I take care of a small child and threaten me with legal action and arrest. I live in California and have no idea what the debt is in can not unless they properly disclose original signatures original paperwork and all the things that are required by law to show me that I actually owe this debt they claim I owe. Meanwhile I've made several attempts with credit bureaus to remove it and none have been answered properly. No parties in vaults have followed the strict legal guidelines set out by the fcra which I have taken the past year to study and familiarize myself with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have two medical debts for XXXX XXXX that is being reported incorrectly by money recovery  collection agency, they transfer them between themselves and another collection agency they own, the Debts are more than Seven years old but they are reporting them from they day they switchEd them from the other collection agency instead of the actual delinquency date! I have disputed these several times and the collection agencies will not remove them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: FL

Complaint narrative:
On the past month of XXXX, I applied to buy a home. I was surprised when the loan officer denied me due a negative account on my credit report from Experian. 

I disputed the account with Experian via certified mail XXXX. Back on XXXX, your institution was notified to relieved me of all responsibility regarding this account. This account belongs to my ex-spouse and as you can see in the court documents attached, I was supposed to be removed. I sent as a supporting document the Court Order including the translation. ( See attached ) I received the dispute results ad came as verified as accurate. Its funny that mentioned the report was updated. I sent the letter on XX/XX/XXXX and was received on XX/XX/XXXX. But the new report generated today XX/XX/XXXX said the account was updated on XX/XX/XXXX Does they really investigate the account? If so, why the dates showed they didnt. ( See attached ) I Also disputed the account with XXXX XXXX XXXX via certified mail # XXXX. The letter was received by the mentioned company on XX/XX/XXXX ( See attached ) As today, XX/XX/XXXX the company didnt respond. Under Fair Credit Reporting Act ( FCRA ), companies generally have 30 days to investigate the dispute. Failed to respond is a violation under the law. When I sent the dispute, they supposed to cease and desist any collection activities until they send me the results of the investigation. They didnt response my dispute, but they went ahead to verify the account with Experian which under the law is considered a collection activity which is another violation under the law. 

As you can see, there is a lot of violations involved here. Im demanding to remove the account # XXXX reported by XXXX XXXX XXXX from my credit report due the mentioned violations and because the account is not belong to me. 
See attached the letter copies of the letter sent to Experian and to XXXX XXXX XXXX and the Court Order.

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 2020-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I see there is an active lawsuit pending against Fifth Third Bank I have closed my checking account with them maybe six months ago but I am still receiving email alerts from them about my checking account as if it remains open. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: CA

Complaint narrative:
I have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2. Debt disputed with XXXX XXXX  while account was in good standing 3. XXXX XXXX  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with XXXX XXXX  supervisor ( XXXX XXXX was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to XXXX XXXX blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with 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 explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Legal Action Bureau Inc
State: WI

Complaint narrative:
Debt collector had been calling multiple times a day since the end of XXXX, beginning of XXXX. I have received zero information in regards to a debt, just that I need to contact them and its urgent. After asking them to stop calling and being ignored I then sent a cease desist letter to stop calls to myself and anyone related to me and my employer. I asked for a statement of a debt, and have received nothing in the mail, only nonstop phone calls that are so frequent its harassment. Multiple calls, every single day. When I called back two people were  talking to each other over me and yelling about how theyre not harassing me and they can keep calling if I owe a debt and wouldnt let me speak. I hung up, and immediately sent a cease and desist letter, with delivery verification and the collector, XXXX XXXX, has since violated that. The next day at XXXX he called again, I said again to stop calling and hung up.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
I have a loan with this company that I pay monthly. I always pay online and only use this method to interact with the company. As soon as even one day goes by past my due date, the company repeatedly calls me beginning as early as XXXX XXXX  all the way past XXXX. In XXXX of 2020, I became frustrated with them and I answered the call. I expressly told the person to make note on my account of the following things : I do not make payments over the phone. I pay my bill online, every month. I do not wish to receive calls from them. And most importantly - I CAN NOT receive calls during work hours, which for me is XXXX to XXXX Monday through Friday. They have ignored my requests and continue to call me despite my requests and insistence that I can not receive calls during my work hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-12 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: GA

Complaint narrative:
I have invested a collection account on my report three times and neither time did I receive the results of the investigation via electronic or mail correspondence. When calling into Equifax to determine the status of my investigation on XX/XX/XXXX, I spoke with XXXX, then to XXXX, then to XXXX, then back to XXXX, it was found that the account was verified paid by me. When asking XXXX how did they verify that I paid such account, she stated that Equifax had called and verified the information. I asked what documents were used to verify the information and was refused an answer. Then, come to find out, Equifax had my name incorrect on my report, even after Id disputed this information over a year prior to my call on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I am trying to make one payment to my my mortgage account. The servicer is refusing to accept it. M & T bank is the servicer of my account. I tried to make my mortgage payment online. M & T Bank blocked my account and I can not do my payment online. I tried to do the payment over the phone with the pay by phone feature. M & T Bank also blocked the system and I was not able to do my payment with pay by phone. I called M & T Bank and spoke to a representative. The representative refused to take my payment. 
M & T Bank is trying to take my home away from me by refusing my payments. 
Please help!

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 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have received your first notice dated XX/XX/2020 and wanted to let you know that i was never provided with a " debt validation notice '' rather the notice I have is threatening to file litigation. I would like to dispute the validity of this debt on the basis of the following reasons : 1. Incorrect Balance 2.  Debt disputed with TD Bank while account was in good standing 3. TD Bank  withdrew funds from my checking account on 3 separate occasions without my consent and refunded the funds to me the first time, the two subsequent transactions caused my checking account to go overdrawn and I was assessed a lot of fees as a result. 
4. My last communication with TD bank supervisor ( XXXX ) was confirmed that they would dissolve the remaining balance to avoid further complaints from my side due to TD banks blatant disregard for consumer laws as it pertains to Unauthorized ACH Transactions. 

Kindly provide me with Proof of debt, accurate balance and all evidence both recorded and documented of my interactions with TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I XXXX XXXX, Have a wrongful repossession with my car with Capital One. It was conviscated on XX/XX/XXXX. I purchased the 60 month loan on XX/XX/XXXX while i was employed at XXXX XXXX XXXX XXXXXXXX  and making a decent salary at that time. However, the following month i was pulled out of work for serious health issues due to stressful enviroment after being employed there since XXXX. I was rewarded benefits by my employer some time after due to the fact they caused me to be ill and have been living on a fixed income ever since. Capital One is aware and i been struggling to make my payments at some point but i did. I do not receive any other source of income to help with my other living expenses such as my rent, food, phone, utilities, etc. I receive a check every XXXX of the month. And they have documentation of my hardship which im currently still in. They did not inform me of the car being in the process of reposession on paper. They refuse to give me information of my maturity date of loan being paid off. Which i know that i am close to it being paid off. I have financed it ever since and the company is stating i am 6 months behind and i have proof of payments showing that i am not. The company will not talk with me and if so very rude and i am time sesitive on this matter of 14 days or my car will be auctioned off. i do not know where the vehichle is stored or no additional information on it. They want me to pay XXXX to get my car back thats it. This is causing me alot of stress not being able to get answers, get to my XXXX XXXX, doctor appointments due to XXXX   XXXX in XXXX of XXXX, not being able to get my medication. I have my original contract agreement of the car. And some names and information i have of customer service saying one thing and then another. NOBODY will talk to me at this company and its all recorded. i did not agree to refinance my car or agree to anything else by law to cause my financial situation anymore strain. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation