vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone.     The email will be attached to this case I was not able to attach above

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc.
State: CA

Complaint narrative:
I have recently been looking for an new apartment. I have been denied due to a judgment on my credit which was for an eviction for a property called  XXXX   XXXX . I was told that it was being handled by a collection company calle d UScollections West. I  called the property in  XXXX  to find out why they placed a eviction on my credit. I was informed by the lady at the office that they were new management and that there wer e two differe nt property owners who were no longer there and that they were no longer in business. I was told that I should call and talk with the collection company. I called  UScollections West and  talk with a man who said that they had signed documents from the court that I appeared and pledged guilty to the eviction. I advised him that there is no way they would have any documents that I signed and pledged guilty to any eviction and that I did not owe anyone anything that all monies that were owed was paid at the time of me moving out. I advised him that I had to show proof it was paid in order for me to get my new apartment that I moved into right after moving out of   XXXX   XXXX   XXXX  . He wanted to know if I had any receipts I told him no due to me not keeping anything past a year o r two  and this going back to  XXXX    XXXX  . He told me that I could pay {$5000.00} to settle the account. I told him the account on my credit was not even {$5000.00}. He then told me that I actually owed  XXXX . I told him I would not pay for that is not fair. He then gave me the court and attorney information. I called the  XXXX   XXXX   XXXX  court and was advised that there was not Junction filed against me and that there should be nothing on my credit. I filed a dispute with the Credit Bureau and was told that my dispute was denied due to the company saying it was valid. I filed another dispute with extra information and was told that it could take 30 days. I called  XXXX  on  XXXX   XXXX  and was advised that the eviction and judgment was removed off my credit however UScollection s West just ch anged the account to a collections account. I have been sent paperwork that has no signature of mine and I have no way of contacting the property management company due to them no being in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX  at  XXXX   XXXX  mom & I went into Bank of America to add me to ALL of her accounts as she is getting up in age. We took her trust and all of the Power of Attorney papers. We met with  XXXX   XXXX  Relationship Manager  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  CA  XXXX   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX  we worked on our issue many, many times  XX/XX/XXXX ,  XX/XX/XXXX , until we thought it was resolved. I tried calling the IRA dept  (  spoke with  XXXX   XXXX   XXXX  X  XXXX  ) where her CD is and they said they have no record of the  POA  and could not speak with me ( I needed info for her tax man this year,  XX/XX/XXXX   )  I tried working more times with  XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . I was told I ned to fax in the POA papers to the IRA dept and all should be fine. I also spoke iwth  XXXX  supervisor,  XXXX   XXXX   X   XXXX .   I faxed the papers to  XXXX  on the following dates :  XX/XX/XXXX  and after a month he finally said did not return my calls so I made a complaint with your c o (   XXXX  ) and I heard from a   XXXX   XXXX    XXXX  X  XXXX . She said to fax it into her direct ly (   XX/XX/XXXX  ) and she will make sure  BofA  had it.   OK now she received it but I need to ma ke 1  more appt with  XXXX  so they can get some ID from me and verify that the POA would get to the document center, which should be the right place. That appt was Monday  XX/XX/XXXX . I also met the Financial Center manager,  XXXX   XXXX   XXXX , he GUARANTEED me I would not have any more problems and he is very sorry I went through all of this. ( Mom is now on  XXXX   )   XXXX  called me wednesday  XX/XX/XXXX  and asked if everything went well with my last visit. I answered " I hope so but I am not convensed because I was told 9 months at the local branch in  XXXX , CA that is was taken care of but it was not. '' She said OK give it another day and then call the IRA dept and make sure they will speak with you.   So on Thursday  XX/XX/XXXX  I called in and spoke with  XXXX   XXXX   X   XXXX , he told me he CAN NOT speak with me directly, only my mom that I need to go into a branch to handle things. I told him about my meeting with  XXXX  and his supervisor  XXXX  earlier that week, so he called  XXXX  and said he can not speak with me  ( still ).    I then asked both, why have I bothered jumping through all the hoops you required of mom & me when you STILL cant help me?   I put another call into  XXXX  the mediator and she has not called me back.   Now I find that you closed the case??? It is NOT resolved!!

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 2017-05-06 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: Collins Asset Group, LLC
State: FL

Complaint narrative:
Collins Asset is attempting to collect on a debt that was removed and discharge from my credit over 8 years ago however the home was fourclosed over 10years ago. This loan was a 80/20 lo an and serviced with  XXXX   XXXX  and sold many times  XXXX ,  XXXX  and  XXXX  attempted to negotiate with me.  Collins Asset i s now taking me to court stating that they accelerated the loan.

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 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On  XXXX  I made a purchase at Best Buy using my Best Buy Credit Card. At the time of purchase I stated to the store rep. to place part of the purchase on my best buy credit card for 24 month  XXXX  interest financing and the remainder on a debit card.     The transaction showed approved for {$1500.00} on the Best Buy Card. I asked and confirm if this was a credit limit increase as my credit limit was {$1500.00} and approximately {$1000.00}. Best Buy Store said yes. The remainder of the purchase was purchased with debit card. I made the purchase. There was no  Truth in Lending  or Fair Credit Reporting act documentation.     After receiving the bill/statement I was shown that I was {$590.00} over my credit limit which decreases  my credit score and  puts me in jeopardy of losing my special financing.     I asked Best Buy Credit Card managed/owned by   Citibank to increase my credit limit to the total balance amount of {$2000.00} and they refused.
This is a violation of my rights under both Truth and Lending and Fair Credit Reporting Act. Please have Best Buy Credit Card managed/owned by Citibank increase the credit limit without application for credit as this was approved without application for credit    increase.

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
nationstar is trying to steal my home they have absolutely no standing to do so they dont send me statements i have a right as a consumer to know what my balance is i requested payment coupons more tha n ten times i found out that not one mortgage payment could reduce the principal they created a false balance sheet to look like my payments were reduced actually if i paid that loan off in entirety i could never get a clear title to the property or no person on this earth could get one also they committed fraud upon the court both state and federal federal because they forced me into bankcruptsy when they claimed they owned the mortgage and they never did i have about 80  pages of supporting documents to support what i have been saying this has taken a big toll on my life i had a rare  XXXX   XXXX  last  XXXX  and just went to my  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  week she wantedt know why numbers are not good she put me on several medicines to take i just dont care to take them anymore thanks for listening somebody has to stop this criminal bussiness not with fines in the millions thats nothing to them they have already stole that from their customers i mean billions and bring felony charges against their ceo   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
On XXXX XXXX, my new key bank express account balance became {$0.00} being withdrawn by bank. I opened this account to get {$200.00} promotional offer if t terms had been met. It says that to deposit 500 or more within the next 60 days to get XXXX. It turned out that it was misleading to begin with. Several bankers said that correct one would be it requires one time automatic payroll deposit of 500. In this case it is discriminatory to someone who get paid every week. it happened the same thing before. My account got abruptly cancelled without any explanation on XXXX this year after 1 week.Bank said i was not qualified for the account because i owed the money. But this is controversial. The bank did after 16 months of original date of the incident where it claimed to deposit to my account by accident for 3 months until the bank pulled all the money from my accounts when i thought the money was given as some type of settlement for the disputed unemployment insurance benefit. The money also got deposited the next day since i got a sudden phone call from banker asking me if i were interested in opening another account with just {$10.00} opening deposit. After money is withdrawn from the account that is not involved with its money deposit, it left about {$350.00} negative balance and accounts got closed by bank. It has been more than 16 months now. it suddenly freezed my accounts and withdrew money without my consent from the account that it said later i was not qualified for and closed the account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
On   XXXX   XXXX   XXXX     I contacted my mortgage company to alert them that not all of my taxes had been paid and were due by the end of  XXXX . They had paid all of  one county and part of the second county. I  made subsequent phone calls on  X/XX/17   ,  XXXX ,  X/X/17   ,  X/X/17   ,  X/XX/17    and  X/X/17    and sent emails and faxes to resolve this matter. I have supplied them with account numbers, addresses and the tax certificate that was presented to them after closing showing all the tax accounts and counties they are due to. I have spoken to several supervisors with the last  one  on  X/XX/17    who looked it u p on the county web  site while I was on the phone and said that he would request a check be sent  XXXX  on that following Monday to avoid a tax sale and he would work with the tax department to resolve it after that. He would call me back by Tuesday   XXXX    . I never heard from him. As of   XXXX     the taxes remain unpaid and have incurred over {$400.00} in unpaid penalties and interest.

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 2017-05-06 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: NY

Complaint narrative:
XXXX   XXXX , a lender that I have had a roughly 8 year relationship with and having never been late for a payment, incorrectly reported to the credit agency Experian that my installment loan account was in " past due '' payment status, when it is, and always has been, current. I called them a month ago, and they have failed to fix this, resulting in my being rejected for an auto loan.  XXXX    XXXX   are crooks. Steer Clea r!

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 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I go online to sign into my  account with Wells Fargo Bank, they have a credit card advertisement for a {$200.00} bonus after spending {$1000.00} with the new card. I found it very tempting and applied online. They responded 'pending ' after I submitted my application. Then I received their letter of disapproval of my application. The reason they gave me was I have 'no consumer accounts with Wells Fargo ' . I have an account with them sin ce 1967.  Ca n't they find me in their stupid system?     I believe they deny my application is because of my last name and my age as well as they are stingy about their {$200.00} bonus. What kind of stupid reason they conjure up to deny me credit -- not a WFB customer? I hereby request that they triple check my account with them and give me some better reasons for disapproval or simply approve 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 2017-05-06 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: IL

Complaint narrative:
Account ending in  XXXX  open date  XXXX   XXXX  Amount {$5400.00} Account ending  XXXX  open  date  XXXX   XXXX  Amount {$410.00} Account ending in  XXXX   open date XXXX   XXXX  Amount {$880.00} I have recently sent a letter stating that this account does not belong to me and if they are unable to verify this account to please have it removed. I have also asked them to disclose to me all of the documents that they have on recorded and retained in their file.     The  15 U.S. Code 1681g - Di sclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer.     I did not receive any documentation within 30 days to validate that these accounts belong to me.     the CRA 's have ignored my request to provided me with the documents that isintheir files that they used to verify the disputed accounts which means thatthey have NOT verified orthey can not verify any of these accounts and under Se ction 611 ( 5 ) ( A ) of the FC RA they are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of   XXXX   XXXX    2017 and  spok e with a US represent ative from which I did n't get anything but a hard time and someone who belittled me. On   XXXX   XXXX    2017, I  sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to   XXXX    which was delivered at  XXXX    XXXX   on   XXXX   XXXX    2017 in   XXXX , PA  XXXX  asking them to investigate. On   XXXX   XXXX    2017,    XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to Experian which was been delivered and is available at a  XXXX   XXXX   XXXX   XXXX    XXXX   on  XXXX   XXXX ,    2017 in   XXXX , TX  XXXX  and   XXXX   which was was delivered at  XXXX    XXXX   on  XXXX   XXXX ,  2017 in    XXXX , GA  XXXX . According to the FCRA Rules,  FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any   information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

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 2017-05-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit it looks as if I have ALOT of credit injuries that DO NOT belong to me. I even have some that show up on multiple dates. I 'm unaware of these injuries. I contact   XXXX   the week of  XXXX   XXXX ,   XXXX   and spoke with a  XXXX  representative from which I did n't get anything but a hard time and someone who belittled me. On  XXXX   XXXX ,   XXXX  , I sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX , which was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , PA  XXXX  asking them to investigate. On  XXXX   XXXX ,   XXXX  ,  XXXX  sent me a letter back stating " that the injuries are accurate and that I needed to contact the creditors. '' I contact the creditors and was told to put in a dispute with the credit bureaus. also sent a Multiple Inquiry Removal Letter via certified mail from the United States Postal Service to  XXXX  which was been delivered and is available at a  XXXX   XXXX   at    XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , TX  XXXX  and Equifax which was was delivered at   XXXX   XXXX   on  XXXX   XXXX ,   XXXX   in  XXXX , GA  XXXX . According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disrupted and MUST BE INVESTIGATED and if you do not investigate and respond, the CRA must delete and disputed information from its files. The fact that received a response 3 days after the receipt of my certified letter shows that there was n't any investigation into the mater. I plan to purchase a home and with inaccurate information reporting on my credit will make it seem like I 'm in a financial struggle which is n't the case. I 'm submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me. This is unfair practices by a credit reporting agency and that is n't fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Upon open ing my account I went to the TD Bank Online to access my account and the please allow me to say this again I login in the Online Banking and the website or TD Bank Online do not give access to my access I login to the account and then it ask me security question and change my question Please investigate this banking services ensure that it was setup according to United States Federal Reserve and United States Federal Regulation and the Bank and the Online does have access to customer account and the website and services has not been hacked into and all misconduct and mismanagement found all individuals involved be convicted according to United States Federal Regulations I contact customer regarding access account and notice the Online Banking does show my    retirement account on the staff stated that IRA and Retirement    company was close for the weekend and that they did not have a number for them to give me Please investigate if the customer service and the supervisor supposed know how contact the IRA and Retirement Account is this United States Federal Reserve and United States Federal  Regulations

Company response to consumer: Closed with explanation