vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Claimant allegedly became obligated for a loan on XX/XX/XXXX,  however, the alleged NOTE was not signed until XX/XX/XXXX,  XX/XX/XXXX. 
An alleged, loan servicer was assigned on or aboutXX/XX/XXXX XX/XX/XXXX, to collect payments on the alleged loan, and claimants made " good faith '' payments under the assumption that a valid debt existed. 
Claimant sent NOTICE to the President of the company that was the alleged lender on the NOTE on XX/XX/XXXX, by certified mail, requesting clarification of the NOTE terms, no valid clarification was received. See Exhibit A Claimant sent a second NOTICE to the President of the alleged loan company, by certified mail, on XX/XX/XXXX, seeking clarification of the alleged debt, no valid clarification was received. See exhibit B Claimant sent Notice to the Title Company that performed the Closing on the alleged Loan on XX/XX/XXXX, requesting specific information about the alleged loan for verification purposes. No response was provided. See Exhibit C Claimant sent a second Notice by certified mail, to the Title Company for a response on XX/XX/XXXX, no response was provided. See Exhibit D Claimant sent the alleged Servicer a Qualified Written Request ( QWR ) by certified mail on XX/XX/XXXX, the debt was not validated nor did the Servicer provide the name and address of the NOTE HOLDER. See Exhibit E Claimant sent the current alleged Service a QWR on XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, by certified mail the alleged debt was not validated nor did the Servicer provide the name and address of the current NOTE HOLDER. See Exhibit F Claimant sent a Notice of Error and Demand for Proof of Claim by certified mail on XX/XX/XXXX, to the current alleged Service. No valid response provided. 
The current servicer who is a third party " debt collector '' failed to send notice of claimants right to dispute the debt in accordance with 15 U.S.C 1692 .The current alleged servicer is sending threatening letters of acceleration of the debt and foreclosure for unpaid alleged loan payments.

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 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have tried to dispute a cable bill with XXXX because it has been paid XX/XX/XXXX. XXXX has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed 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
Consumer complaint received 2019-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper continues to provide false information about my mortgage with them to the credit agencies. They have reported to XXXX that it is closed ( lie ) and they report to XXXX the incorrect balance and NO payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to dispute a cable bill with TransUnion because it has been paid XX/XX/XXXX. TransUnion has yet to remove this balance. I have tried disputing XX/XX/XXXX and XX/XX/XXXX and both times they claim they have accurate information. I have contacted XXXX XXXX the original creditor and they have indeed confirmed it was paid and sent me the receipt and bill. I also disputed with XXXX and they HAVE removed 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
Consumer complaint received 2019-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I took out my loan in XXXX. I continuously pay more than the balance owed. instead of applying the additional money to principal they apply to future payments forcing me to pay them interest. The only option to apply to principal is difficult. I believe that this to to force me to continue to pay them interest and add to their profits. I feel this is very deceptive and abusive. I feel cheated out of hundreds of dollars. I currently am due for an XX/XX/XXXX. The full year 's worth of payment would have reduced my principal by over {$5000.00}. I continue to be charged interest on this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal They call multiple times everyday and do not leave a message. On Thurday, XX/XX/XXXX I contacted them to see if they would work with me to try to have fees waived so that payments I was making were totally going toward principle. Right now the principle has almost doubled with the fees and interest added. Because I couldn't make a payment Thursday they directed me to pre-bankruptcy counseling firms. I make too much money to do bankruptcy but not enough to keep up with the cost of living in NYS. The amount owed is approximately XXXX ( XXXX ) Payment was made for XXXX and a late fee was attached in the amount of {$38.00} and interest of XXXX which only left {$2.00} going toward the balance. I became a widow a few years ago and had never managed household expenses. Also I get very small increases at work {$25.00} per payperiod yet my rent went up XXXX per month and fees doubled per year.

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 2019-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Our home was destroyed in a national disaster ( flood ) in which we received a total loss on our insurance policy from FEMA and we were forced by the county to tear the house down and rebuild. FEMA released the entire amount upfront ( {$140000.00} ). Because we have a mortgage the insurance check had to be endorsed. We received a letter from our mortgage company stating that we qualified for full release of funds and that if we sent the check in to them it would be endorsed and sent right back. We followed the appropriate steps but instead the company cashed the check and is now holding up a large portion of the proceeds preventing us from completing our new home. Our original insurance check was for {$140000.00} of which only {$100000.00} has been released. We scheduled a inspection of our new home in which the inspector ( hires by lender ) stated our new home was 80 % - 85 % complete ( contract price on new home is {$250000.00} ). We are making up the difference in new home cost in cash. However the mortgage company is refusing to release the proceeds until our new home is 100 % complete. The local banker, same company, offered a line of credit to help us complete the home essentially attempting to make more money off of us all while holding our money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/19 at XXXX I attempted to withdraw {$1000.00} from a JP Morgan Chase Bank N.A . ( Chase ) ATM. Due to a error of the ATM, no cash was able to be dispensed, however a receipt was produced clearly showing my account had been debited {$1000.00} ( {$1000.00} withdrawal + {$3.00} surcharge ) with a message of " We aren't able to give cash right now. Please call us at XXXX ) ''. After a brief call with Chase, where I asked them to reverse the transaction as their ATM was unable to dispense the requested cash, 3 separate operates told me they were unwilling to help due to the reason I do not have an account with them. When I repeatedly ask them to reverse the transaction they continued to reply that I would have to contract my financial institution to start a claim to get the the transaction reversed. After discussing this situation with my bank they were able to submit said claim but inormed me that it could take up to 10 business days to reverse this transaction. When I asked them if Chase is able to just reverse the transaction, they stated that Chase has the ability to instantly reverse these types of errors, however they force other Banks to do it instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On or about XX/XX/2019, I contacted my student loan servicer, Navient, though Navient 's website, to switch the auto pay information on my two consolidated student loans to my new bank, to be effective with the XX/XX/2019 payment. I was successful in making this change through the Navient website. My monthly consolidated student loan payment with Navient has been {$230.00} since I consolidated the loans, well over a decade ago. 

On XX/XX/2019, I received a letter from Navient indicating that my loans had been " successfully enrolled '' in auto pay, and that my monthly payment would be {$230.00}, to be " automatically extracted '' beginning XX/XX/2019. ( Letter, Ex. A. ) On XX/XX/2019, I called Navient and spoke with a XXXX named XXXX. I told XXXX that there had been a mistake, that my normal payment ( {$230.00} ) ought to have been paid through auto pay for the XX/XX/XXXXpayment per my instructions, and that I was prepared to make a one-time payment to satisfy my monthly XX/XX/XXXXpayment. I further told XXXX that there was no justification for Navient to be recapitalizing any part of my loan, since I had timely given Navient the information to auto debit my XX/XX/XXXXpayment. XXXX took my bank information, and {$230.00} was debited from my bank. ( Screencap of bank website excerpt, Ex. B ). At the end of the call with XXXX, I asked her explicitly to confirm that going forward, my monthly payments starting with XX/XX/XXXX would be * $ XXXX as before, and not the higher figure Navient had quoted in its letter. XXXX confirmed this, and gave me the confirmation number # XXXX. 

On XX/XX/2019, I received an alert from my bank that Navient had auto debited my account in the amount of {$230.00} -- the incorrect amount reflecting an unauthorized recapitalization of interest. Upon checking Navient 's website, I noted that it still wrongly reflected a recapitalization of interest of {$90.00} on XX/XX/2019, and also mis-accounted for the monthly payment made through XXXX on XX/XX/2019. ( Screencap of Navient website, XX/XX/19, Ex. C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX _________________________________________ TO : Equifax Information Services LLC XXXX. Box XXXX XXXX, Georgia XXXX CC : Consumer Finance Protection Bureau Consumerfinace.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NM XXXX, Phone : ( XXXX ) XXXX XXXX : Acknowledgement of Equifax XXXX to Complaint : XXXX DATE : XX/XX/2019 To Whom it may Concern ( Once Again ) I had asked your company on over 10 occasions, as well as, in my original complaint and the certified letter I sent your company to please permanently lift my credit freeze. Once again THIS WAS NOT DONE? 

BOTTOM LINE : HOW CAN I UNFREEZE MY CREDIT FILE WHEN EQUIFAX SAYS I DO NOT EVEN HAVE A FILE? 

As my original certified letter indicates, your computer systems and customer service representatives have not been helpful to lift my credit freeze. Even writing you a certified letter and making a complaint with this government agency did not help. Remember, you are the folks that allowed my information to be stolen. You are once again becoming a hinderance to my purchasing a XXXX for my family. 

In your Corporate response you maintain I have no credit file and that you are unable to locate a credit file for one of the following reasons : a. may not have a current file, b. may not have applied for credit recently, or c. you have not actively used credit in the past ten years, or words to that effect ( see attached Equifax letter, XXXX, XX/XX/2019 In contrast, my Loan Officer ( see below email cut and paste ) states the following : XXXX XXXX XXXX XXXX AM ( 2 hours ago ) Yes, I know but Im just not sure what to do. All I know is that I can not process your information through XXXX XXXX or XXXX XXXX automated underwriting system until the credit report no longer reflects your Equifax score is frozen. 

XXXX XXXX : XXXX ID # XXXX. XXXX ext XXXX. XXXX. 
XXXX. ( XXXX fax ) __________________________________________________________ _____________________________________________ XXXX XXXX XXXX XXXX SWORN TO AND SUBSCRIBED BEFORE ME, THIS DATE, IN XXXX XXXX NEW MEXICO. 

XXXX XXXX XXXX Expires : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALCHRO INC.
State: FL

Complaint narrative:
The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
A week ago i received two letter from XXXX, XXXX , XXXX XXXX XXXX, PA, atty/collection, file number XXXX as retained allegedly by XXXX XXXX XXXX. Office stated they are attempting to collect on XXXX XXXX debt from late XXXX thru mid XXXX that I actively and aggressively disputed then and now. 
( CFPB has all listed attempts on file ) I disputed the debt thru XXXX  with this office XXXX, i disputed debt with bank in XXXX and I dispute debt now, and this issue should have been resolved with bank in XXXX. 

I want to know why this agency is attempting to collect on a falsely created debt that was disputed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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:
In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that XX/XX/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 2019-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On FridayXXXXXX/XX/2019 at XXXX XXXX my California XXXX XXXX XXXX XXXX XXXX XXXX Funds of {$4300.00} was supposed to be deposited in my account with Bank of America on my checking account with routing number # XXXX and account number # XXXX. 

California XXXX XXXX XXXX XXXX put the wrong account number for my Bank of America.California XXXX XXXX put this wrong account number # XXXX. 

Now as of XXXX XXXX I don't have my XXXX XXXX XXXX  in my Bank of America account. 
On XXXX XXXX I went on California XXXX XXXX website online and implemented my correct Bank of America routing number and correct account number as I made new direct deposit for Bank of America. 
I don't why California XXXX XXXX XXXX XXXX implemented my wrong account number with # XXXX for Bank of America? 
I am XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX Military Veteran.

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 2019-03-30 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX and my daughter were scheduled to fly XXXX  XXXX from Hawaii to XXXX XXXX. Due to some problems at the airport we missed our plane and had to change our tickets. The change fee was {$120.00}. ( I have a copy of this agreement, but it is too big to upload. ) I gave XXXX my existing tickets and they gave me new ones.

Only when I got my bill did I discover that XXXX   had charged me for **NEW** tickets, a charge of {$1100.00}. I disputed this with Citibank.

They sent me a form letter denying the dispute. I have sent them followup letters, but have been unable to get response. As for today, I don't think they are even reading my letters.

Maybe they will read a letter from you.

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 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CA

Complaint narrative:
Both Enhanced Recovery Company and XXXX XXXX  are attempting to collect on the same debt. Please see the attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I called Equifax and spoke to a representative who informed me that two accounts was removed from my credit file which should not have been removed. Those accounts are : XXXX/XXXX    XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: DE

Complaint narrative:
I purchase a case of beer from XXXX XXXX XXXX and do to health reasons I tried to return the unopened, not damaged case of beer several days later. The manager refused and I explain the reason for the return, he still refused and said there is no returns allowed. They was no sign stating that policy nor did the receipt state that. It is not state law in Delaware either. 
I disputed the charge with Bank of America, VISA. They declined the dispute and stated there was no error in billing. That wasn't even the dispute on the {$16.00} charge. Bank of America agreement states I can dispute such a charge.so Bank of America is in breach of agreement.with credit card holder.Claim # XXXX purchase on XX/XX/2019 and tried to return.

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 2019-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/2019, I wrote two letters to Equifax asking them to investigate several items on my consumer report. My letter specifically noted that I was not requesting a freeze or fraud alert at this time but reserved the right to place a freeze or alert upon the completion of the investigation. 

XX/XX/2019 Equifax responded via letter that they have not only placed a fraud alert on my account, but that they have forwarded a request to place a fraud alert to theXXXX and XXXX. This caused a fraud alert to be placed on my XXXX   report as well. 

I have written to Equifax explaining their error and requesting the alert be lifted immediately. The negligent action of placing an alert on my consumer file despite my explicit requests has caused me to be denied a line of credit I would have otherwise been entited to receive.

Company response to consumer: Closed with non-monetary relief