vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
My original mortgage was through XXXX XXXX XXXX a subsidiary of Countrywide Home Loans and was a predatory loan. I purchased my home in XX/XX/XXXX  with a jumbo loan from  for $XXXX with XXXX  down and 100% financing on a 30 year ARM  with a 8.5% interest rate on a first and second mortgage.Bank of America acquired Countrywide. I initially fell behind on payments when I was displaced from my teaching job in XX/XX/XXXX as my position was eliminated as a reduction in force.  I was forced to file bankruptcy in XX/XX/XXXX. After my discharge, Bank of America offered a  loan modification instead of foreclosure. I submitted multiple packages for the next two years yet they never actually modified the loan. Shortly, thereafter Bank of America was made to settle on these loans they acquired.  I was included in the class action and received several payments including the loans being forgiven. Bank of America forgave the loans.  I received a letter from ReconTrust stating the loan was satisfied which I verified with Bank of America. I didn't have any more contact with Bank of America. Six years later XX/XX/XXXX uses a fraudulent notary document to assign the deed so they can try to foreclose. XX/XX/XXXX is a subsidiary of Bank of America.The notary on the document XX/XX/XXXX is a suspected robo-signer on several websites helping Bank of America to illegally foreclose on home loans. He is currently incarcerated for fraud, and the notary itself does not exist. I have  the certificate of non fact filing from XX/XX/XXXX County Recorder of Deeds. I have written to DC Recorder of Deeds several times and never got a response. I have spoken with several representatives at DC Recorder of Deeds and their position is that if the document is notarized and "looks" legitimate it is accepted. They have stated to me that they do not verify the authenticity of the documents or their validity. I asked would they reverse the filing and was told a resounding No.  I was able to find out that my loan has a blank note endorsement and anyone can just endorse the note and assume ownership and its all legal. How is this happening? How can DC Recorder of Deeds  assign my home valued at over $XXXX to someone else in a transaction for less than $XXXX bucks? How can Bank of America be allowed to use the law perversely and circumvent the foreclosure process for homeowners? How can XXXX XXXX be allowed to commit fraud using a fraudulent notary to assign the deed to my home to themselves so they can foreclose on a home they are not vested in?

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 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: PA

Complaint narrative:
I was stayed in XXXX XXXX XXXX for almost like one year , i got another job offer in other place, then i told to XXXX XXXX that i will move to XXXX XXXX , not to break the lease they said yes. then later we moved to another property near my job location and XXXX XXXX called me threatned me discriimated by saying that i will face so many problems in new place, i have that phone recording too. i am staying with my wife and XXXX year old son, potentially they are tried to scare me and they shown hated crime . i said i am not supposed to pay anything. XXXX XXXX  did some polictics because we left the new place with in one month we lost almost like XXXX$ advances and transporation. and then we took another apartment which reuquire to pay more advance and monthly rent . and then i received an email and a call from XXXX XXXX - XXXX XXXX saying that i need to pay XXXX$ to XXXX XXXX , they posted a collection debt on my credit report , they are potentially threatning me and showing XXXX  crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Credit Karma, LLC
State: IL

Complaint narrative:
XXXX XXXX notified me that there was an unauthorized access to my account.  I notified them this was not me who accessed my account from the new device.  They then notified me they cannot legally share if my data was breached.  How is an agency that claims they help with credit monitoring, not able to tell me if my data was breached at their own company?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have disputed the late payment status reported on the accounts  XXXX/XXXX XXXX****, XXXX  XXXX****, with Transunion and XXXX  for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please I’m looking to purchase a home.

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 2019-08-21 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: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have a credit card with TD card services called the cash card. I've had it for some time. Recently, I received a notice in the mail saying my payment was past due. My card has previously been on Autopay for the entire life of the account, with no changes made by me. I called TD card services, and was told that in mid XX/XX/XXXX, they revamped their website, and that has caused my Autopay information to be lost, and that I am now late on my payment and was charged a late fee plus interest, in addition to dinging my credit. This is unacceptable. There was no notice (mail or email) from the company regarding this change in the website and the need to re-enter auto pay information. When I called them, they said they would give me a "one - time courtesy fee waiver" and credit me the fee plus interest. I need no resolution of this issue as I am OK with being credited the fee plus interest and was able to pay my bill over the phone. I am just extremely perturbed that this went on at all and that my credit has taken a hit because of the incompetence of and lack of communication from TDbank. I am not sure how many people were affected by this website change and how many people were wrongly charged late fees plus interest but I imagine this affected many customers. This type of behavior from the bank should not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax and XXXX  where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXXXXXX,  XXXX/XXXX XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX    (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX/XXXX   XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX XXXX-XXXX,  XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
XX/XX/2019 one person request buy products to my company and send a 2 letters requested charge for $XXXX and $XXXX USD And copy of id , copy credit cards for both sides , receipt of charge signed for card holders after 1 month i receive a dispute from American Express for $XXXX and i sent copy of documents they back funds and put in their page non fraud after some days they debit again the funds and today they want to debt more money $XXXX USD they receive all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was evicted from XXXX XXXX XXXX XXXX in XXXX. The Judgment was XXXX for for XXXX XXXX XXXX XXXX but on XXXX  XXXX  they added $XXXX to the judgment I tried to dispute this I tried to reason with the collection agency National Credit Systems that it was $XXXX over why is it that high the send me a breakdown oh why it's $XXXX  over the limit no respond so I can consult a lawyer XXXX XXXX I hired as my attorney . This account need to be investigated brought to your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: Bliksum, LLC
State: CA

Complaint narrative:
We want to direct your attention to a letter addressed to : XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD.XXXX Notes : Whom have filed a false claim on my credit report and have failed to provide evidence to what happened with a {$2000.00} deposit submitted in confidence since XX/XX/2012??? Falsely claiming I owe {$2400.00}, without an accounting of the deposit, this is a false claim currently driving my FICO score into the ground preventing me from attaining a VA home loan and funding for my businesses! They have " NO '' claim, we demand this claim be removed from my credit report and can be verified by my attorney " See contact info for my attorney '' below! 

Our Litigation Attorney Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ca.XXXX Tel ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased a new on car on XXXX XXXX, XXXX the finance manager applied an extended warranty on my vehicle with out my permission. I told the financial Manager on XXXX XXXX, XXXX. I didn't want the extended warranty applied to my loan extra charges were applied .I didn't notice it during the transactions, I took my paper work to my father and sibling and they looked at my contract and my father noticed their were extra charges was applied to my loan, I went back to the dealership. and I informed him that I didn't want and extended warranty on my contract, I asked the finance manager for my receipt and he said he didn't have to give it to me. I ask him to remove it after one week, He said verbally he would take it off and a week later, I went back to the dealership and he finally gave me my receipt after my third visit weeks have gone by the extended warranty is still on my contract, I notified the bank until this very day it's still haven't been removed. My receipt was given to me on XXXX   XXXX, XXXX it said in XXXX XXXX XXXX  the extended warranty was going to be removed in that time frame it's going on XXXX the XXXX XXXX. I called the manager and he said he notified the Finance Manager while he was at home that was on XXXX XXXX,XXXX. He said it would take six weeks from the twenty one day mark. I haven't bought a new car in over twenty years and I felt like the Finance Manager and the store manager took the advantage of me as a female. I went to another bank to refinance my loan.I can't get my car refinanced until the extended warranty is  removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: PA

Complaint narrative:
i have problem with Equifax Credit Bereau. EQUIFAX reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX  messages to my mobile harrassing me by calling from unknown numbers . this is because of EQUIFAX sending and sharing my information to other parties. and equifax showing falsify information on my credit report beacuse of that iam paying XXXX APR every month. i have been paid XXXX interest in just two years because of EQUIFAX falsify credit report. iam going to file a law suit against Equifax. we are struggling her becuase of Equifax. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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:
I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine.  The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX,  XXXX XXXX XXXX,  XXXX XXXX, XXXX   XXXX XXXX,  XXXX/XXXX XXXX, XXXX XXXX XXXX,  XXXX/XXXX   XXXX,  XXXX XXXX   (Original Creditor: XXXX   XXXX XXXX XXXX XXXX XXXX)XXXX, XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX XXXX) XXXX,  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) XXXX, XXXX/XXXX   XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX XXXX,  XXXX 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 2019-08-21 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single teacher, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The following inquiries were for no legitimate business purpose, there was no evidence to prove of the authorization. please delete this misleading information XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX 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 2019-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Citizens Bank has the most incompetent escrow department of any lender. Each of the past 3 years, Citizens has failed as an escrow agent to properly pay my homeowners insurance. The payment is due XXXX XXXX each year. Their website reflects the appropriate policy information. But they fail to remit payment appropriately each year. This year, Citizens remitted payment to the insurance company for $XXXX,XXXX on XXXX XXXX. On XXXX XXXX I called the insurance company to confirm receipt and they indicated no payment received. To prevent policy cancelation, I paid the premium from my personal funds. I called Citizens to begin the escrow refund process.One month later, after several additional calls to Citizens, they confirmed their payment was not processed and indicated they would refund my escrow account. Instead, on XXXX XXXX they processed ANOTHER payment. On XXXX XXXX   they finally issues a credit... but only one, not two. Net effect, no refund to me. After another month, several calls and emails, Citizens most recent email response to me on XXXX XXXX was "you were issued a credit on XXXX XXXX". I have asked for several months that this error be corrected. I have walked the representatives through in very detailed fashion. The representatives are generally cordial and listen but no one has actually properly resolved a material financial error. I would like my $XXXX,XXXX back immediately plus accrued interest and compensation for the several hours I have had to expend trying to resolve their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-21 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: PA

Complaint narrative:
i have problem with XXXX  Credit Bereau. XXXX  reporting my information to other parties with out my consent and they stole my all personnel information like SSN personnel email and personnel address. because of this personnel information breach i am getting unknown calls from unknown people , threaning me , sending XXXX messages to my mobile harrassing me by calling from unknown numbers . this is because of XXXX  sending and sharing my information to other parties. and XXXX  showing falsify information on my credit report beacuse of that iam paying 18% APR every month. i have been paid 4500% interest in just two years because of XXXX falsify credit report. iam going to file a law suit against XXXX. we are struggling her becuase of XXXX. not getting any bank cards any other credit cards, and not able to refinance my car too. we are struggling because of 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 2019-08-21 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: Avantus, LLC
State: GA

Complaint narrative:
Avantus Llc reported I incorrect inquiry on my credit report on XX/XX/2019 I didn't sign any documents for them to pull my credit report by the fair credit report act it should be removed from my credit report if it can't be validity by the original sign document

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXXXXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX XXXX or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

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 2019-08-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX ripped me off and mislead me. They told me that the total program cost would be $XXXX,XXXX. I was also told that the program would offer a certificate for educational leadership. The school purposely prolonged my program. There is a balance of $XXXX,XXXX currently on my report from this school. I do not owe this amount. As a single XXXX, I would never borrow this type of money. I could have gone to XXXX XXXX University  or even XXXX and not have this balance. I am not able to get a home loan because of this fradulent debt. This scam school closed down. I want this debt to be forgiven...now!

Company response to consumer: Closed with explanation