vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or a contract to do business with this company. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's Account XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX , A made payment was in store on XXXX XXXX, Payment did not post, so in XXXX she called cusomer service. Provided all information, the cashier was not over, and there sytem was off line, she could not provide the small receipt given. she called serveal times. Asking for the late fee to be removed, she was told, she needed to change er po box , due the Pariot Act.And because she would not give a new Address the customer service rep " would say they could not verifiy. this po box was used for 3yrs. never missed a pament. all or most payments were paid in cash, The balance was XXXX, under he sending limitXXXXat the time. the late XXXX interest XXXX and next payment due XXXX comes to XXXX.as of XX/XX/XXXX, the account was closed. XX/XX/XXXX. not letting me make a payment arrangment. If macy would contuine to accept the payments of XXXX monthly, ( XXXX ) would have been repaid. 
Company wrote this debit off using the miss information using the Paariot Act in the wrong way, I used my driver Licence to open the account, which i had my po box and my old address on it,,, plus reported as XXXX added XXXX in fee 's

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 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION FROM BANK OF AMERICA FROM XXXX. IN XXXX  WE THOUGHTWE RECEIVED A MORTGAGE FROM XXXX XXXX XXXX XXXX. AFTER FURTHER INVESTIGATIONTHERE WHERE A NUMBER OF LOANS WHICH WERE TAKEN OUT ON THE PROPERTY XXXX XXXX XXXX, XXXXGA XXXX. THE ATTY WHO WAS INVOLVED UTILIZED OUR INFORMATION AND APPEARED TO BE IN CONNECTION WITH THE CURRENT HOME OWNER AT THAT TIME, IT APPEARS THEY WERE OBTAINING FRAUDULUENT LOANS TOGETHER/GHOST LOANS PER OUR INVESTIGATION. I PREVIOUSLY SUBMITTED A COMPLAINT REGARDING PROPERTY AT XXXX XXXX, XXXX GA XXXX. IT APPEARS AROUND THE TIME IN XXXX WE THOUGHT WEWERE RECEIVE A MORTGAGE FROM XXXX XXXX XXXX XXXX WE DID NOT ALTHOUGH THE PAYMENT COUPONS WERE SENT. THERE WAS A LOAN TAKEN OUT ON XXXX XXXX XXXX BY XXXX XXXX AT THE SAME TIME WE THOUGHT WE WEREAPPLYING FOR A MORTGAGE WITH XXXX XXXX XXXX XXXX. MY SPOUSE FILED ALLFRADULUENT ACTIVITY IN THE US BRC OF XXXX GEORGIA IN ORDER TO OBTAINAN INVESTIGATION FROM THE TRUSTEE. THE JUDGE DID NOT APPROVE IT. MY SPOUSE 'S BRC CASE IS STILL OPEN IN THE COURT XXXX.THE ATTORNEY ISALLEGELY SERVING 15 YEARS XXXX XXXX XXXX. MY SPOUSE FILED A LAWSUIT INTHE BRC AND OF COURSE IT WAS DISMISSED. WE WERE PART OF A PONZI SCHEME. WEWERE VICTIMS. THERE IS A LEGAL COUNSEL INVOLVED WHO WAS PAID A SIGNIFCANTAMOUNT OF MONEYHOWEVER, IT APPEARS HE IS STALLING AND WILL NOT RESPONDTO OUT CALLS. HE KNOW EXACTLY WHAT HAS TAKEN PLACE.

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 2021-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank opens an account without my knowledge, transferred funds from XXXX XXXX. Starts in XX/XX/XXXX ends fund transfer late XXXX to early XXXX. XXXX XXXX  record shows continued transfers from one account to Citi Savings. Account # XXXX. I commences a probe Citibank Employees upon being questioned the validity of the aforementioned by me, these employees vehemently denied the existence of the subject account. Until one day I have received a correspondence dated XX/XX/XXXX with attached XX/XX/XXXX to XXXX XXXX ; XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX. I also printed the Activity Details stating XX/XX/XXXX the aforementioned was set up for recurring payment from my chase bank to citi account ending in XXXX attempts to fund transfer in the amount of {$85.00} was canceled. 

Pursuant to XXXX XXXX  Monthly Statement Transfers were resumes until late XXXX to early XXXX. However, according to Citibank monthly statement dated XX/XX/XXXX to XX/XX/XXXX current balance of {$840.00} was transferred but no other information was revealed. 

I discover the existence of this allege account when accidentally click the external account while conducting verification of activities in account ending in XXXX. I also found telephone numbers which were not familiar. While on that area System asks me to enter my phone, then right after I got a code number system asks to enter code which I did and was able to access this hidden account. Furthermore, please note XX/XX/XXXX XXXX record shows other transfer of {$840.00} no other information was described, question where the money went? As mentioned transfers had continued still. In addition, in this probe you will notice the correspondence Citibank attached created an attestation to falsely incriminate me, Citibank describing of a check, or checks which I dont have any knowledge of what so ever. This is the second letter Citibank wrote with a hoodlum and corrupt style mind tactics. Upon my further analysis on the first one which was dated XX/XX/XXXX XXXX. The hoodlum style has created chaos in my life and my family. This is not suppose to be this way. I have reason to believe that Citibank may have created a forge or bogus check to falsely incriminate me. In addition, payments to citi credit card were never credited appropriately into the account. Ill explain this matter in the near future..

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 2021-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Ok so PayPal has been taking money from me and I paid for every transaction that I made PayPal is not cooperating and also slapping limitations on my account. I am about to take PayPal to court if this is not resolved asap. I am tired of the games and garbage they attempt to keep feeding me with this. Simple PayPal owes me a XXXX of a lot more than {$50.00}! PAY PAL quit playing games with my money and also I mean it when I say I will take you to court. I'm done with the trash you keep doing by crediting my account then on the sly reversing it. You stole money give it back! Simple. I have proof so stop acting like I am a XXXX insulting my intelligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I refinanced my truck through state employees a few months ago. I was originally financed through Regional Acceptance Corporation ( I believe its a sun trust or truist bank now, was originally a BB and T ). I received phone calls from regional Acceptance about me paying bills after I refinanced my truck. I told them that I was no longer financed with them. My old roommate called me a few weeks ago and told me that a repo company was trying to take my truck and I immediately tried to call or get in touch with them about this. I would call, get put on a long hold, and then I would get hung up on. About last week, I finally got in contact with them and thought I straightened everything out. He said that he was sorry for the inconvenience and said that my truck will no longer be repoed. Just about an hour ago, I received another phone call in regards to my truck. They asked me if I had possession of my vehicle still and I said yes. She said that my truck was up for repo and I need to pay the money that I owe to regional Acceptance or it will get towed. I tried to explain the situation once again and then asked to be transferred to a higher up. She said she would and I heard the phone click as she hung up the phone and the line disconnected. I have received phone calls and then the line would disconnect out of nowhere. Im trying to get my bank to help me fix the issue. I can not have my truck towed for no reason because I work at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Im in XXXX XXXX. If I lose my truck I will be in a very inconvenient situation. If I can get a phone call whenever yall have a chance, I have evidence that shows that regional signed for the check. I have the email of the gentleman that I sent the proof to from regional and was told it would be taken care of. I also have phone logs showing that the phone call was made and that I attempted to call back. 


My number is XXXX Thank 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 2021-10-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or have a signed contract with this company to do business with them. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 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: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I did not have the most recent Nordstrom account information. I contacted the credit customer service to find out the exact amount and the bill cycle date. 

I was advised by a female agent that I needed to make the payment by XXXX of XXXX. The payment was made on XX/XX/2021. Being that I was affected by COVID, I also inquired about any COVID relief programs. The agent insisted that there were no available programs. 

On XX/XX/2021, I received an alert from credit card that Nordstrom credit account is currently 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inaccurate negative information being reported to my credit report on XX/XX/2021 and did not receive any investigation results and these inaccurate items still remain on my credit report. They are in violation of the FCRA for not performing an investigation as I requested. The following unverified information still remains on my credit report : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-10-03 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
You are the collection agency and you want me to fill out an identity theft form and send you a police report a copy of my ID my social security number and the utility bill. I am not about to send you all of my accurate information for you to have on record and use against me for an inaccurate account that I am currently disputing. I sent you the utility bill which shows that I was clearly living somewhere else well before this account charged off and had a different utility company. You have what you need to remove this inaccurate information from my credit report it is your job to find out who the account belongs to or who put it in my name not mine. You have not complied with the federal law because you sent me a statement as validation of the debt and that does not prove that I owe the debt because I don't owe the debt it only proves there is a balance. THIS ACCOUNT IS NOT MINE I WAS NOT AT THAT LOCATION DID NOT LIVE THERE AND PROVIDED PROOF THAT I WAS ELSEWHERE WITHIN THE SAME TIMEFRAME THAT IS ON THE SUPPOSED PROOF YOU SENT ME! PLUS 2 MONTHS PRIOR WHICH FURTHER PROVES THIS IS NOT MY ACCOUNT! REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IT IS INACCURATE! AND YOU ARE ILLEGALLY REPORTING TO MY CREDIT REPORT! Please resolve this issue because if I have to take further action and look into legal aid I will just have to do that at this point. I have tried to resolve it with you guys and you keep trying to beat around the bush on the absolute facts and proof I am giving you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I spoke to an agent and let them know that my wife has lost her job around XX/XX/2020, around the time XXXX said that those who were not able to pay should contact their company ( mine being PennyMac ). I spoke with the agent letting them know that I would not be able to make the payment because I had to take care of my family since I was the only one who had any income at the time. I said I would not be able to pay until my wife got a job and had additional income, when I spoke to the agent and told them this they accepted. I had applied for forbearance and was approved. I had already paid for XX/XX/2020 did not pay XX/XX/2020, XX/XX/2020, or XX/XX/2020. I finally was able to get money to start paying again in XXXX so I called PennyMac again and told them that I would pay, the agent told me not to pay because I had to sign and notarize some paperwork, I did that and sent it back. When the agent received the paperwork the agent called me and asked if I wanted to pay the full amount upfront that I missed or if I wanted to pay at the end of my mortgage which meant that instead of 30 years it would be extended to 30 years 4 months for the missed months. Since I did not have the funds for the full amount I selected the end of mortgage option. The agent accepted and took the payment. I went ahead and made my payments after that I saw the normal price and an additional one which I found out was a lien on my home at a later date. I was in the process of refinancing my home and someone explained to me that I had a lien placed by HUD for about XXXX on the home that I was not fully aware of. On top of that, I am being charged a daily interest of XXXX per day on the home to pay it off before refinancing. When I refinanced with PennyMac before my cost was around {$100000.00} after paying for about 2 and a half years the cost has gone up past XXXX and I do not think that is right for me to be charged all this money unnecessarily when I spoke to the agent and had the understanding that the missed payments would extend my loan period by 4 months. How did I end up with a lien? Now I'm being overly charged just to try and leave this company. I am still dealing with the effects of the pandemic and this is not making life any easier. Not when I have done everything I can to not get myself into a more financial bind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I received an email correspondence from American Express that my platinum card account & blue XXXX account were canceled immediately without any reasoning. The emails stated that I would have to tell my additional card members that the account was closed, I should destroy the cards, and that if I have any recurring changes that I contact the responsible company. The emails also stated I would receive this same information by letter. These letters did not arrive until weeks later but were dated for XX/XX/XXXX. 

The cancellation notification letter states that American Express decided to close these accounts for the following reasons : American Express ' assessment of my monthly payments on credit cards in relation to my average delinquent balance with American Express indicated by XXXX ( in which I was told to contact XXXX ), a recent payment was returned by American Express ( this was due to American Express waiting days later to deduct funds from my bank account rather than immediately when I placed my account payment ), the revolving balance on my American Express account is too high ( there was not a balance maximum for my Platinum card, and I was well under the maximum balance for my Blue XXXX  card ), and that the amount currently oustanding on my account is too high relative to the income provided on my application ( the balance was approximately {$9500.00}, however, my salary is well over {$120000.00} yearly ). In addition, these letters states that my FICO score was obtained from XXXX, and was used in their credit decision. My credit score on the letter was shown to be XXXX which is excellent. 

I called American Express on XX/XX/XXXX in order to resolve this issue and reinstate my accounts. The phone representative took my income information, and stated that she would then seek to reopen the account, and I would be notified by letter. On XX/XX/XXXX, I received a letter from American Express stating that they were unable to reinstate my account because I had an unpaid balance ( the same balance that I attempted to pay three times prior but according to American Express they had to return the funds back to my bank account for no reasons provided. 

I have paid my balance to American Express, and this was notified on XX/XX/XXXX, and shown on my XXXX Credit Card Statement, however, I was still then charged {$58.00} for balance interest for an account that is closed, and has no balance. I was denied the right to pay my balance to American Express and then received an interest charge. 


I have attached both rejection letters, both XX/XX/2021 monthly statements, my rejection reasoning letters, and XX/XX/XXXX Credit Report & XX/XX/XXXX credit report from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I AM REQUESTING ALL DOCUMENTATION RELATED TO XXXX XXXX XXXX XXXX, XXXX GA XXXX FROM OCWEN MORTGAGE. THIS IS A FRAUDULENT 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