vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
This is an ongoing situation that is far more then my bank. Its my son my brother his wife. They all have fraudulently destroyed my youngest son SSI and my payments. They have comprised my cable and hacked our devices. They have planted things in my unit destroyed both vehicles twice. My mom left me beneficiary after her death. They have destroyed my mail and hers. They are impersonating me with social security, XXXX and XXXX. I have made a report with Federal Trade Commission. They gave me a reference number. Tried making police reports but phone keeps disconnecting do to monitoring. I my keys and wallet has come up missing in the past. Online shopping in my name unauthorized. PLEASE, whom ever gets this, PLEASE HELP ME. My life and my youngest sons life is in danger. I have contacted prosecutor XXXX XXXX office for help and was told to seek a probate attorney ASAP because she felt I was in danger as well. I tried contacting XXXX  to block my credit report, no luck. I have no one to go to for help. I desperately need help with this. I have done nothing, this is all about my mom and our closeness that her and I shared. My email accounts are hacked. All of my phones ( 7 ) has been compromised. This is the eighth phone in 1 1/2 years. Please someone help me. I am constantly getting scam calls EVERYDAY .... please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: IL

Complaint narrative:
First, I entered into a consumer credit transaction with XXXX when I sold them my credit from my open-end credit card, which pursuant to 15 USC 1602l and 18 USC 8 is my social security card. XXXX was paid in full from this transaction so no alleged debt should be trying to be collected. I then saw that Diversified Adjustment Services harmed my reputation and violated 15 USC 1692d ( 1 ) by furnishing this alleged debt onto my credit report. I then requested validation from Diversified Adjustment Services pursuant to 15 USC 1692g since they did not send me validation 5 days after the initial communication which they are required to do pursuant to 15 USC 1692g and are in violation of that. After I requested validation Diversified Adjustment Services did not send me back the proper validation pursuant to 15 USC 1692g. They sent me back a contract with my signature with XXXX not with Diversified Adjustment Services, which only proves that it was indeed a consumer credit transaction between me and XXXX and that all obligations with XXXX were taken care of in full from my open-end credit card and Diversified Adjustment Services has no right to collect this alleged debt. They are in violation of 15 USC 1692g by not providing the requirement numbers 3,4, and 5 when I requested validation from them. It is now a failure on their part to validate this alleged debt. Only me the federally protected consumer under title 15 chapter 41 can validate this alleged debt and I am stating that I do not owe this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NV

Complaint narrative:
There are some accounts listed on my credit report that are not mine, and or that I don't recognize. Please remove them immediately.

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 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are some accounts listed on my credit report that are not mine, and or that I don't recognize. Please remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
Essex Mortgage stated that they are a debt collector in their letter and by sending me documents that are false and misleading by mail and there is no contract. That is a violation pursuant to 15 USC 1692 e

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
This account is passed the statue of limitations and it need to be deleted from my account immdeiately and this is extortion because its over the statue of limitations

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 2021-06-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2021 I sent a FTC report to all of the three credit bureaus regarding fraudulent items on my credit report. To this day over 56 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 56 days so they should be deleted promptly. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Since I bought my home back in XXXX my FHA monthly payment has been for $ XXXX {$1400.00} including hazards insurance. The differences reflect shortage in escrow. To my surprise in XX/XX/XXXX when I called to have them remove my PMI I found out that my mortgage company removed my Hazards insurance from my mortgage monthly payments without my authorization and I was left without insurance. I called my mortgage every day since I was told, I talked to escrow department, Escalation department, and with the Insurance department. they said I had to pay for my insurance to have them reinstate my insurance into my mortgage and I said no! they have my money that I been putting into escrow and they have my money. Now they paid my insurance and made me sign and agreement to have them put my insurance back into my mortgage, which I find disturbing because they didn't asked me to sign anything to have it removed. so, now my mortgage has increased to {$1500.00} to cover for the insurance they paid to farmers {$1400.00}. This is very unfair, since they removed my PMI I should be paying for my mortgage {$300.00}, so where is the benefit of having my PMI removed. They have my money in escrow to cover for the hazard insurance where is the money. All these years I have never paid no more than {$1400.00} including hazard insurance and taxes. 

Please advice, I have been very stressful trying to settle with my mortgage company and nothing gets done. I need your help and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
The bill relates to XXXX XXXX XXXX by XXXX, XXXX XXXX  XXXX, XXXX Texas XXXX for COVID tests. Each test was {$270.00} or so. 

Our insurance company paid the bill, but insurance company reimbursement wasn't applied properly by XXXX. XXXX XXXX XXXX improperly sent our file to Nationwide Recovery Services. My wife spoke to a collector at Nationwide Recovery Services today XXXX XX/XX/11 XXXX and asked that they stop calling while we are trying to get it resolved. The collector said that wasn't possible. My wife called XXXX after speaking with the debt collection agency and said there was an error and they had not applied the payment properly. 

It is not clear if XXXX willfully is trying to charge twice for COVID testing. I also find it appalling that XXXX may be fraudulently trying to take advantage of COVID testing. It seems they should be trying to meet a higher standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: IL

Complaint narrative:
XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

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 2021-06-11 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: CBC Companies, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX has failed to verify debt within 30 days requested. Attached is my debt validation letter dated XX/XX/2021 marked as ( Exhibit A ). XXXX XXXX XXXX admitted in their letter dated XX/XX/2021 ( Exhibit B ) that they do not have the original certified verified validated contract with wet-ink signature on it. They admitted to not having any original loan documentation in their possession. Copies of copies are not validation and by law are not considered proof. XXXX XXXX XXXX is in direct violation of 15 USC 1692 ( g ) and Section 809 ( b ). They have failed to verify debt within 30 days. Please remove this invalidated unverified account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: Security Credit Services, LLC
State: AL

Complaint narrative:
On XX/XX/2017 from Security Credit Service in the amount of XXXX it added a derogatory mark on my credit report per XXXX XXXX.Upon further research this account was transferred / sold and I am not responsible for the account as I have stated to them before and they have yet to send any type of documents to back up the charge. Debtors creditor did not verify this collection. also there was no written form of communication contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and says that it is mine.According to the FCRA, ( Security Credit Service ) has violated my RIGHTS AS A CONSUMER AND IM REQUESTING legal action to remove these account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: CITIBANK, N.A.
State: NM

Complaint narrative:
My girlfriend used my Macys credit card to purchase some gifts for XXXX on XXXX XXXX XX/XX/XXXX XXXX. I did not like the clothes purchased, so I returned them to a Macy 's store in XXXX XXXX, Fl on XX/XX/XXXX ( jpeg of return from Macy 's website attached ). I received a credit of XXXX}. The return should have been credited to my Macy 's credit card and my next bill would reflect the credit and be accurate. I am on my Macy 's account and clearly see the return was processed and is on their own website ( attachment below ) But the credit card was never credited. I have my XXXX statement attached showing the purchases and then my XXXX statement showing no credit and no credit on any subsequent statement from XXXX through to XXXX. I first called about this issue in XXXX and told it was resolved and the returns would be credited to the credit card. In fact, I complained and said they owed me a gift card. They actually sent me an email with a promo card saying sorry in the email and so I thought the whole thing was done. Except I keep getting Macy 's Credit Card bills in the mail saying I owe money and they are charging me interest charges and late fees. This is going on my credit report while I'm in process of buying a home. Its incredible. I called again today XX/XX/XXXX to find out the problem and dealt with Citibank who manages the Macy 's Credit Card ... the representative says they have no record of the return or the credit for the return. I was transferred to Macy 's billing and credit and the representative said they had no record of any return. I made the rep stay on the phone as I told her I was reading right off the Macy 's website showing the return was posted right on my account!!! She lied to my face. She said without a record or a receipt should could not and would not help me. Macys has registered my return, but they refuse to credit the return to my Macy 's credit card therefore my credit card is racking up charges for something that I purchased and have returned. They refuse to help 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 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/21 - I am a long time customer with Bank of America. I have used them for my first mortgage and tried to use them for other mortgages as I have purchased new property. The lending process is always different. For example one will give a pre qual letter without running credit but other times its now required. I have a friends in the past month where this was not required but it was asked of me. I also noticed the apr I was quoted verbally was much higher then the website and my friend who has a similar credit score and debt. The only difference is our nationality. I find that the lending process and loan officers are not fair or equitable when quoting rates, apr or in the process. Regardless of credit the rates are always much higher and I am charged more for services with Bank of America.

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 2021-06-11 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: EQUIFAX, INC.
State: WA

Complaint narrative:
This letter is formal complaint that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission. 
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. I have never been late with payments on this account. 
XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: KS

Complaint narrative:
On XX/XX/2021 at XXXX, I was contacted by Dynamic Recovery Solutions from the number XXXX. 
I could not understand the representative when she stated the company name because she was speaking so fast and asked her to repeat the name. This happened two or three times before I told her I was hanging up because of her attitude. She wanted me to verify my name without knowing the company name and was rude and talking quickly. It felt like a deceptive tactic. 
I just went through my call history for the last two months and found four different numbers that have called and all four are Dynamic Recovery Solutions. 
The calls are as follows- The number mentioned above XXXX has called three times. 
XX/XX/XXXX at XXXX for the 47second call where the woman wouldn't speak slower. 
XX/XX/XXXX at XXXX for a 5second call where I said " hello '' and noone said anything. 
Calls from the same number on XX/XX/XXXX XXXX and XX/XX/XXXX at XXXX were not answered because the number isnt saved into my phone. 

Dynamic has been calling and when I answer, noone says anything. It is dead silence and I hang up thinking its a spam call until I realized today that its been DYNAMIC calling from multiple numbers. 

The earliest calls on my log are from the number XXXX. 
XX/XX/XXXX XXXX. I didnt answer. 
XX/XX/XXXX XXXX. I didn't answer. 
XX/XX/XXXX XXXX. 8seconds- silence. 
XX/XX/XXXX XXXX. 6seconds- silence. 
XX/XX/XXXX XXXX. I didnt answer. 

XX/XX/XXXX XXXX I called the number back and discovered that it is Dynamic Recovery Solutions. I asked to be transfered to a supervisor and the representative stated she couldn't do that without getting my information. I told her that yes she can do that and to transfer me. The supervisor got on the line and I gave him my first and last name and told him that the first gal to contact me was rude and spoke too fast and that I have MULTIPLE calls from representatives or whoever calling and not saying anything when I answer. I advised him of harrassment and told him not to contact me. 

The other number that I have for Dynamic is XXXX XX/XX/XXXX. XXXX. 17 seconds XX/XX/XXXX. XXXX. 14 seconds XX/XX/XXXX. XXXX. I did not answer I don't recall if I got a reply from anyone when I answered these calls or not. I think I did and hung up when they stated they were Dynamic Recovery Solutions but I'm not sure. 

The last number is XXXX XX/XX/XXXX. XXXX. 10sec XX/XX/XXXX. XXXX. XXXX XX/XX/XXXX. XXXX. 6 sec. 
I'm pretty sure these three were three more calls where noone said anything when I answered the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX  ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.

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 2021-06-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It started with my XXXX they hacked my XXXX from my XXXX they hacked my XXXX XXXX XXXX XXXX they hack well my phone otherwise I changed my phone number I change my XXXX XXXX and they still was taking everything for me I didnt know what To do

Company response to consumer: Closed with explanation