vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.

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 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
This so called  firm Selip and Stylianou LLP, tog ether with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 y ears in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying  to collect a zombie debt.

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 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. "  XXXX  '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by   XXXX   XXXX   for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: CA

Complaint narrative:
Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above.
Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve.
Why are they allowed to do this I made another attempt on my life.
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 2017-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above. Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX  All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve. Why are they allowed to do this I made another attempt on my life. 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 explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Monday,  XXXX   XXXX ,  2017 , at approximately  XXXX    XXXX   Central time I attempted to log into my Bank of America account online only to be told to contact customer service. I am assuming that my account was closed due to the other CFPB claim I have pending with them. That claim number is  XXXX . No one called and asked me any questions nor did they even advise me that they were about to close my account. I demand that I be able to go into a branch tomorrow,  XXXX   XXXX ,  2017 , and withdraw my money from the account. I am currently in the process of moving and this is holding me up as I do not have an active debit card.

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 2017-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This so called firm  XXXX  and  XXXX   XXXX , together with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 years in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying to collect a zombie debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The address listed on the account is not an address I have ever lived at. I sent a letter to ask for verification of the debt and the 'bill ' I was sent showed an address that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
We have tried with our best efforts to communicat e to Nation Star our current mortgage is to high ( 6.68 % ) in interest alone and this resulted in a higher payment. Nation Star  has responded to this by explaining why its higher and that our income does not have any affect on the modification that was approved, however we rejected the modification and we are reques ting Nation Star consider a second offer of modification with new information submitted. We have consulted with two hou sing counselors (  XXXX  and  XXXX   XXXX   XXXX   ) both  stated we need to reject and resubmit the new information which included our obligation to pay past due s Home Owners Association dues  which was not address when we were in bankruptcy. The BK XXXX  has been completed and discharge. We are now obligated to pay {$4800.00} balance as well as replace an existing vehicle for my husband to continue to work his fu lltime job. Nations Star is now in the process of changing its name, we do not want to be stuck in a cycle and ignore while this company attempts to change its image.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focused Recovery Solutions, Inc.

Complaint narrative:
I was renting a salon space from  XXXX   XXXX  inc. I was allowed to break my lease because they had a tenant ready to take my space over. I moved out and was at a   XXXX   balance. One week after move out I went back to the space and another tenant was in there working. I was told I would be responsible for rent if no one moved in. So fast forwa rd 2 yr s later I get a letter of collection, stating I owe  one  month rent plus late fees. I never once received a bill. I requested my statement from  XXXX   XXXX  before I made any disputes. My billing statement was closed out  XXXX  owing {$250.00} fore cleaning and repainting fee. I moved out in  XXXX  no where on the bill was I charged for  XXXX   XXXX  rent or late fees. Now all of a sudden I owe almost {$1400.00}. I have spoken with the owner who did not have a answer as to why and then told me just deal with the creditors. I have dealt with the creditors which are n't of any help and the forged a document stating what I owe because I requested documentation from them more recently and it 's absolutely not the original document I received before I went into disput with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: NJ

Complaint narrative:
D ear Sir/Madam, I  have an existing complaint (  XXXX  ) regarding the unreasonable monthly payment increase. I was told that the mortgage company filed the extension to respond to my previous complaint. Since I can not make a monthly payment at the amount of {$3500.00}, I called the company to see how much I have to pay for  XXXX   2017  to avoid any more issues and talked  one  of representatives named "  XXXX  '' and she mentioned that I can pay {$2900.00} until the decision is to be made to avoid the late fee and any other issues. Today I received the letter from the mortgage company asking to pay {$6500.00} by  XXXX / XXXX / 2017 . I 'm having real hard time to figure it out why this is getting worse and worse.. I still did n't get any response from the mortgage company regarding how much the monthly payment will it be regarding the complaint (  XXXX  ).   I am attaching the statement I received for your reference. Please help me out! Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc.
State: TX

Complaint narrative:
I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
In the past I have had hard inquiries on my credit from PayPal. I have never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all from  XXXX . I looked it up and it is PayPal. These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it is  PayPal  again. I have not authorized anything for PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On  XXXX ,  XXXX ,  XXXX  and  XXXX / XXXX / 2017 , credit card purchases were m ade at Home Depot.  The  XXXX  purchases were, without the approval or desire of the cardholder, entered into a " Promotional Purchase '' scheme whereby no interest would be charged as long as the balances were paid off by the date indicated. The problem with this scheme, in addition to being unwanted by the cardholder, is that it is not possible to pay off a particular balance, even when you send the specific amount as they break up the payment between the promotional balance and the revolving balance, or apply the amount solely to the revolving balance, which then triggers the accumulated interest. The only way to avoid the deferred interest charges is to pay the ENTIRE balance before any of the promotional balances come due because of the way they randomly split up your payment. They told me when I called that it is mandatory on all purchases over {$290.00}, yet  XXXX  purchase  (   XXXX / XXXX / 2017   ) was only for {$100.00}. When I tried their " Contact Us '' feature on their webpage, their response  sends you to the card issuer, not the retailer. This seems to me to be a retailer imposed policy not Citibank. Additionally, they  ( Home Depot )  mail me " coupons '' on a regular basis to REQUEST this promotional balance offer on large purchases. So it sounds like I can use the coupon or not, yet in practice, they force the product on you in hopes that you fail to satisfy 100 % of the outstanding promotional balance, that you can not control how your payment is applied.

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 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Coradius International LLC
State: NJ

Complaint narrative:
Based on the information provided in this complaint, this collection agency can cease and desist contacting me. In fact, this agency initiated phone calls, prior to sending any type of verification/disclosure in the mail of an alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX a transaction of {$7600.00} was made at Hawaii XXXX in XXXX XXXX in XXXX XXXX county. I received a call from Bank of America alerting me to the transaction. They asked me if I was the one that performed the transaction and I said I did not. Immediately a fraud dispute was initiated. This was a visa purchase made at the grocery store based on the information on my statement. Bank of America issued a temporary credit in that amount following the dispute. On XXXX the bank reversed the transaction and recharged me the entire amount to my account. On XXXX I received the attached notification that the bank would not follow through with the fraud dispute. They claim that this was a cash advance/ATM transaction. This is not consistent with the information listed on my statement and the information provided to me by the bank. I do not believe the bank performed it 's due diligence in researching the fraud. A large transaction such as this should have signature verification in place and I do not believe the bank even went as far as to obtain those records. On XXXX I filed a police report which is also attached below. Case number : XXXX Officer : XXXX 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 monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian continued willful disregard of the law. I have filed several complaints and send several letters on a XXXX account. They are reporting that this account was opened on XXXX XXXX in which is inaccurate. i have requested thar Experian provide a copy of a first payment with some documented proof that support there reporting in which they have failed to send anything no contract or any documented proof which means this account has not been properly verified as they claim. Any automated response or XXXX XXXX verification is unacceptable.

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 2017-06-13 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.

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 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am being sued in small claim s by Midland Financial/ Midland Credit Management .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX .     Without any prior contact I was sent a Summons to appear in Small Claims Court in  XXXX , GA. I am to appear in court on  XXXX   XXXX .     Because the claim did not have any contact information for the persons suing me, I had to look it up online. I found the address from where they looked at my credit history. I sent a letter requesting all informati on Midland had on my debt to be sent to me. They have failed to send me any such information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I received an email from this company telling me that I owed them a debt and that I gave them permission to contact me via my email and I did not. I could not access the content of the email so I called the company. I instructed he representative that I did not know what the alleged debt was in regards to and he kept trying to get me to set up a payment arrangement for a debt that is not mine. I refused and told him that they were no longer allowed to contact me via phone or email but throu gh US mail only. I instructed him to send me everything the had in regards to the debt so I could review  it

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