vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : SEVERAL FEDERAL DIC, FDIC, INSURED BANKS ARE ENGAGING IN BANK FRAUD, ROBBERY, AIDING AND ABETTING BANK FRAUD, ROBBERY, HIRING PEOPLE WHO MAKE ERRORS AND OMISSIONS, MISTAKES, AND XXXX-XXXX  ACCIDENTS. THOSE BANKS BEING ( INCLUDING BUT NOT LIMITED ) TO XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( NOW XXXX ), XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX. ALL ACCOUNT CLOSED. DO NOT HAVE COP XXXX COUNTY COPS XXXX XXXX NOR THAT CONFUSED XXXX XXXX A. GOOD BADGE XXXX CONTACT ME EVER AGAIN. HOLD THEM ACCOUNTABLE AND HAVE THEM CEASE AND DESIST, MAKE CORRECTIONS, FINE THEM, AND TELL THEM TO MOVE THE XXXX ON. 

TRACE ALL CASHIERS CHECKS BECAUSE I AM THE PURCHASER AND THE ONLY PAYEE. THOSE ARE GUARANTEED FUND FOR ME, MY FAMILY, AND MY VERY XXXX XXXX  SAFETY ONLY. I DID NOT PLACE A STOP PAYMENT, I DID NOT REPORT THE CASHIER CHECK LOST, STOLEN, DAMAGED, FORGED, AND I HAVE NO KNOWLEDGE OF A LEGAL STOP PAYMENT. THAT IS MY VALID SIGNATURE ON ALL CASHIER CHECKS. 

XXXX YES, I WANT TO PRESS CRIMINAL CHARGES. I DO NOT OWE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NOR XXXX XXXX XXXX XXXX XXXX XXXX NOR XXXX XXXX XXXX XXXX. AND XXXX NO THEY CAN NOT WRITE OFF DEBTS I DO NOT OWE AND REPORT TO ANY XXXX NOR 3 CREDIT BUREAUS ( XXXX, XXXX, NOR EQUIFAX ) AFFECTING MY CREDIT AND SAFETY ABILITY TO MOVE ONWARD. THEY ARE IN VIOLATIO OF 15 USC 1692 AND EACH BANK OWES ME {$1000.00}. 

I ATTEST, AFFIRM, AND CERTIFY THE STATEMENT AND INFORMATION IS VERY ACCURATE, VERY TRUTHFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX  XXXX, XXXX XXXX, LVNV and XXXX  XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Citibank blocked my account around XXXX of XXXX without contacting me or sending any emails about my account been blocked. 

After serval call with their Fraud Department, they said my account is still under review, and I will need to visit their branch in order to remove the block on my account. As a matter of the fact that I am living in Alabama, there is no branch in my state, and the nearest branch will take me 8 hours plus to get there. I have well informed their agent, but they keep ignoring the fact about this unreasonable request and insist me to visit their branch to verify my identity. 

On the second week, I reached out to their supervisor in the " ATO '' department, that supervisor told me that I could mail my Identity document to their corporate office in order to remove the block on my account. 

On XX/XX/2019, I mailed my document out to Citibank, and the mail was delivered on XX/XX/2019. On the next few days, I tried to reach out to their agent in the " ATO '' department. They declined the fact that I was giving this option to remove the block and insist that me to visit their branch. Beyond that, they refuse to disclose any information about my account. As I asked to be transferred to a supervisor, they declined my request and kept repeating that I need to visit their branch. 

As I keep trying to contact their supervisor, some agent starts to give me faulty information, like their supervisor is not on duty, in a meeting, my account is not handled by their department. Blah blah blah ... 

During those calls, I requested my account to be close out so that I can have my money back. They declined my request and said I need to visit a branch to close my account. 

This request is absurd, they only operate in a few states across the U.S, and they expect their customer to visit their branch to solve any banking issues. 

By now, they are still " reviewing '' my account. They refuse to provide and information regarding this account block and a specific timeframe for this " reviewing '' process. It's almost two months since Citibank has blocked my account. This negligence of Citibank cause me tons of troubles, and I'm paying high-interest rate for my credit card since I can't use access fund to pay off my credit 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 explanation
Consumer complaint received 2019-08-24 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/2019 : I paid {$1400.00} to American Express. I had closed my account 2 months earlier proactively. It became past due. I then paid {$1400.00}. 

XX/XX/2019 : I had submitted complaints to both XXXX and AmEx that they only show my account closed now. They show {$0.00} payment made. I even sent the screen shot of payment posted and cleared. They need to show that I made a {$1400.00} payment. 

NOTE : When XXXX executed the complaint, my credit report was updated to show new balance on the account, but shows a {$0.00} payment made. That is designed to be deceitful, so that another creditor will assume the amount was written down {$1400.00}, versus paid. AmEx needs to show that I paid {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial
State: TX

Complaint narrative:
On XX/XX/2016 I signed an agreement with Ameritech Financial to assist me with the repayment of my student loans. I paid {$190.00} a month for a year and {$99.00} a month thereafter. Last year, I'm unsure of the exact month, I received a letter for XXXX XXXX that I was about to default on my student loans. Prior to my contacting Ameritech, I received a letter from the FTC that they were suing Ameritech for : making false promises that people could permanently reduce their monthly payments charging illegal upfront fees telling people their fees would go toward their student loan balances, which wasnt true quoted directly from the letter.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was told I had 90 days after account closure to use my points. 

At any rate, on XX/XX/2019 I closed my account. 

I have a CHAT saved conversation, where I state that immediately before chatting, I tried to redeem points, and it wouldn't let me. 

The system said Phone Number needed. Even after adding that, I still couldn't use them. The system didn't allow me to press any buttons. 

That was BEFORE I closed my account. 

I suspect that AMEX purposely behind the scenes restricts ability for people to use their points, when the account is late or about to be closed, without knowledge to the customer, and in default of what they say, that you can indeed use the points. 

I firmly believe AmEX is in violation of marketing and deceptive practices. 

I had XXXX, and was unable to redeem them. I have PROOF of this from a chat conversation. 

CONVERSATION OF WEBSITE PROBLEMS AND UNABLE TO REDEEM POINTS BEFORE ACCOUNT CLOSURE IS REFERENCED ON PAGE 3 OF THIS PDF.

scroll TO PAGE 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
In XX/XX/2019, XXXX bought my mortgage from OCWEN. The problem that exists is that PHH is failing to make appropriate escrow disbursements that have resulted in an escrow shortage. Now, I don't understand how this  happened since my first payment was on XX/XX/2019, under the new servicer ( PHH ). Secondly, I am real estate tax-exempt based on my VA rating by the XXXX of XXXX, Commission of Revenue office. I contacted PHH to request my refund for taking real estate tax payments from my monthly payments. PHH sent back notification that I had no refunds but was unaware of my exemption status although my previous servicer OCWEN had it on file. I don't trust PHH is telling me the truth on my refund. Lastly, I'm upset that I can't get accurate  information on my mortgage balance. It seems I'm getting updates with account adjustments all of the time with increased principal balances without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Acc # XXXX To whom it may concern : I own the property at the address listed above, and your bank services my mortgage. 
Over the last several weeks there have been many stories documenting the problem that banks are foreclosing on homes without proof that they own the loan. I have learned that in many cases, banks like yours do not even know who owns the loans you service. Employees at several leading banks have admitted to rubber stamping tens of thousands of foreclosures every month, without even checking to make sure that the bank had a legal right to proceed with foreclosure. In some cases, banks allegedly falsified mortgage documents to cover up their mistakes. There have been reports of two banks trying to foreclose on the same home, banks foreclosing on homeowners who were current on their payments, and even of a bank foreclosing on a home where the homeowner had never taken out a mortgage to begin with. This is not merely a technical problemit is the difference between having a warm bed at night and being out on the street. 
As a homeowner and a customer of your bank, I am horrified. I had always believed that it I played by the rules, I would be protected, but now I know that banks like yours think the rules dont apply to them. 
To protect myself and my family, I need to know who owns my mortgage. Within thirty days, I would like to know the name, address, and phone number of the bank or investor that owns my mortgage. Furthermore, in light of the recent allegations of foreclosure fraud, I demand to see the original mortgage note proving ownership over my home loan. I would like to see copies of all endorsements and assignments of my mortgage note and where and when the assingment ( s ) _if any were recorded. I also ask that you provide me  with evidence of your firm being contractually retained to service my loan. 
If you fail to provide the information I am legally entitled to, I will be forced to consider all options available to me to ensure that my family and my home are protected. 
I ask that I receive my response in writing. 
Thank you for your attention to this matter. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .ca XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  *

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 180 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX,. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA suggested I consolidate two credit cards through a non-profit organization, XXXX. An XXXX and VISA. They were approved for consolidation on XX/XX/2019 through XXXX. Three payments have been made by XXXX to USAA on my behalf. USAA charged me two months of high interest and fees before updating the XXXX to the agreed upon 3 % APR. The VISA is still at a high percentage and USAA tells me its in pending. It's almost 4 months now and USAA sends me to different departments when I call without resolving the issue. I'm just a XXXX veteran who's trying to pay off debts without having to go bankrupt. I believe that USAA is prolonging the process to greedily over charge me. It's not a lot of money to a big bank like them but its sure a lot of money to a lower waged veteran like myself. While I budget every dollar to make sure my family can eat school lunch, USAA piles on fees and interest than claims they care about our service members and veterans. Been with USAA for years. With this situation USAA has promised fair services to a XXXX veteran but didn't hold up there end of the bargain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 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: DISCOVER BANK
State: NV

Complaint narrative:
Due identity theft a security Freeze was placed on credit report report since year of XXXX current as of XXXX, Discover fin svcs LLC is an account now in colletion and has been since XXXX, due to myself sending XXXX evidence of police report copied ID, ssi number, they removed account off my credit report,XX/XX/XXXX, XXXX has allowed this company to replace on my report again as of XX/XX/XXXX without informing me about this information, the prosendings was not explained to me in writing by XXXX and why this happened.has caused hardships and mental health for me and family. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: CA

Complaint narrative:
Ref. : XXXX XXXX - Accounts # ( XXXX ) XXXX, ( XXXX ) XXXX and Temporary number ( XXXX ) XXXX ( NONE of those accounts were used at any time, Equipment were never installed and NO charges were never incurred )! Accounting Error, since the Company bills 30 days in advance! 

Credit Control Corporation the direct employee of XXXX XXXX, and its Agents/ Collectors, harassed, intimidate, and threatened to Harm our excellent Credit Ratings. 

Credit Control Corporation and its Agents/ Collectors, failed and continue to fail in producing any documents to validate the alleged debt, even with our repeated demands!

Credit Control Corporation and its Agents/ Collectors, contacted us repeatedly at different hours in violation of FDCPA , with their false and misleading arguments seeking to collect more the alleged debt of {$55.00}! 

Credit Control Corporation, XXXX. XXXX XXXX XXXX XXXX, VA XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
One of my creditors ( probably only someone that I am past due on ) updated my credit report and put in my wrong middle initial. I am XXXX XXXX ( XXXX ) XXXX. They put my middle initial as XXXX. 

This just happened over the past few weeks, as I view my report each week. 

Someone needs to fix this!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 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: WA

Complaint narrative:
My twin sister 's name is the main name associated with my social security number. I've been unable to remove it from my credit report after calling, mailing copies of my social security card and driver 's license, and filing an online dispute. I am unable to obtain any credit through places that run checks with Transunion, as it comes back as saying that my social security number does not match my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX,  XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX  accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
An escrow analysis was done and increased by payment to almost the double amount. When I inquired to determine the reason, my homeowner 's insurance billed amount was incorrect. 
The address for this mortgage company is XXXX XXXX XXXX, XXXX, VA XXXX The homeowner 's insurance billed amount was incorrect. The amount of XXXX has been deducted from my escrow account, paid to XXXX, from my escrow account, paid to XXXX, which had no policy for this property and refunded by same. 
and the insurance amount paid is for my other property at XXXX XXXX XXXX XXXX VA XXXX. Nationstar Mortgage has no insurable interest for the property at XXXX XXXX XXXX XXXX VA XXXX. I worked with XXXX to determine that Nationstar had accessed the business to business website and fraudulently gained the insurance amount for XXXX XXXX XXXX XXXX VA, XXXX, which was a violation of my financial privacy. Additionally, the funds they removed from my escrow account to pay a debt that was not due from me. 
I contacted Nationstar on XX/XX/2019 about this issue. through the messaging portal fro their website. I received a reply on that my inquiry had been forwarded to the insurance department for review on XX/XX/XXXX. On XX/XX/XXXX, I replied that my issue had not been addressed. The subsequent communication on XX/XX/XXXX and XX/XX/XXXX was via my personal email, XXXX. Next, on XX/XX/XXXX, I received an email stating they received my inquiry was to establish an escrow account. I replied again via email and stated my issue was still unaddressed. On XX/XX/XXXX, I received another email response again referencing my to establish an escrow account, which I never made. I replied on the same day again stating this was not my issue and my issue was STILL unaddressed. 
the increased mortgage payment, due on XX/XX/XXXX would not be paid at the current amount. I further advised that as I had not received any resolution I received no further correspondence. On XX/XX/XXXX, I contacted Mr. Cooper via their online messaging portal and advised there had been no resolve and from them, I would be seeking elsewhere. On the XX/XX/XXXX, I received 2 separate response, one to acknowledge receipt and the other to apologize for the poor customer service and that the issue will be forwarded to customer relations. On XX/XX/XXXX, I received a letter by email restating the payment of {$3800.00} to XXXX and the refund. As well, the use of the {$3800.00} as a basis for the escrow analysis. Still, no reference was made as to why they used the amount of the insurance cost for my other property or their basis or right to access this information. My response addressed this specifically in my email response today, XX/XX/XXXX. All of these events occurred in this calendar year, 2019

Company response to consumer: Closed with explanation