vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-29 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: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE ATTACHED SUPPORTING DOCUMENTS TO MY ASSERTION. PLEASE REMOVE THE ITEMS CATEGORIZED IN MY FTC REPORTS.

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 2019-07-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2019-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
Opened account in XX/XX/2019 at local U.S. Bank branch. 
Did not at any time select or opt in to overdraft protection. 
XX/XX/2019 - charged 2 overdraft fees XX/XX/2019 - charged 3 overdraft fees Charged 5 overdraft fees for 3 transactions that caused an overdraft yet never selected or chose overdraft protection.

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 2019-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I applied and was approved for a Chase Disney Credit Card in XX/XX/2019. Three weeks ago I received a letter from Chase Credit Card Services informing me that my card was cancelled with no reason or explanation as to the cancellations. I carried no balance on the credit card at the time of the letter an promptly paid off all charges when due. My credit score is above 850 and I have numerous cards from other banks and credit card issuing companies. I sent a letter to Chase Credit Card offices in XXXX Ohio asking for a written explanation for the cancellation. Last week, I received a call from Chase offering no real explanation as to why the card was cancelled. When I pressed for an explanation, the agent abruptly hung up on me. I still have no explanation or reason, but this could harm my excellent credit rating. Credit card companies should be forced to tell you why your card was cancelled and not be so evasive and underhanded. I would like the government to look into this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
Deed of Trust ( Page 5, Funds for Escrow Items ) nowhere mentions that Original LTV ( not LTV ) must me < 80 % for closing escrow account ( attaching FYI ). 
My property LTV < 80 % : -as per XXXX county appraisal ( for 2019 Property tax ) - Mortgage appraisal done by you for which I paid out of pocket The purpose of paying {$600.00} for mortgage company 's appraisal recently was to get away from escrow account, so I can pay single payment for my property taxes every year. You are contradicting your own letter where you were telling that escrow account can be closed if LTV < 80 % ( not original LTV, attached 53LTVLetter document FYI ).

If your argument of original LTV ( not LTV ) < 80 % for closing escrow account is correct, please provide me document evidence i.e copy of escrow account disclosure. I requested for a copy of my escrow account disclosure that I signed or initialed at time of closing however even after 3 months I haven't received it neither my escrow account closed. As a customer I tried to reach them multiple times ( even tried to reach XXXX XXXX who's working on this case since 3 months ) and requested for escrow account disclosure but they never sent me a copy. 

Thanks, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/XXXX I requested PEOPLE, S UNITED BANK to lower my 7.25 interest rate. 
During that same month, I was being an incorrect amount. Upon seeing this, I immediately called the bank. I was told that was correct amount. I called numerous times, it was correct. so by XX/XX/XXXX, loan defaulted per PEOPLE.S UNITED BANK. I then was told that, I would have to wait for a XXXX XXXX, who was not there a for a week.This is how the nightmare started. I was able to get a XXXX in XX/XX/XXXX. Which bought my account current, also equity that I had available,. At same time my parents home who are both deceased, their house was also in foreclosure which I was trying to stop. Their house, which was bought in XX/XX/XXXX. That house was already paid off, my mom took a home equity loan on the through the same bank I use. So yes, PEOPLE 'S UNITED BANK took my parents home XXXX and PEOPLE 'S UNITED BANK is currently trying to take mine. the home equity loan my mother got was a predatory loan because in the long run she would not be able to make payments, and this is where my house comes in. The equity in my house could of dealt with the situation. 
So I begin to foreclosure clinics, and was told the only thing I could do was BANKRUPTCY WITH XXXX XXXX. She never told me I had equity in my house. 
This been horrific time for me. The bank took all my equity in legal fees, they offered loan modification that I could never afford the biggest XXXX per month, I have kids and XXXX dogs whom I removed abuse situations. They never allowed me to use equity at all. The bank refuses to talk to me. I was also told by XXXX XXXX no bail outs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
I applied for a refinance mortgage with cross country mortgage in XX/XX/XXXXof 2019 and it is the last week of XX/XX/XXXXand I still do not have an answer about my account, I have tried contacting the company and they refuse to take a phone call and or answer an email, I have since switched financial companies and they have contacted cross country mortgage to get my account numbers and everything switched into there name as so far they have refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
I received a letter by mail in order to collect a debt that is not valid or incorrect. The letter is from Dynamic Recovery Solutions. 
XXXX XXXX XXXX. XXXX SC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: AR

Complaint narrative:
Monday XXXX XXXX at XXXX XXXX it was a 23 minute call. XXXX XXXX with Chase Receivables. I actually called him to explain the situation where the hospital had billed after XXXX XXXX and I had already paid my deductible. He starts talking over me and telling me my insurance doesnt cover that and get my insurance number and lets call them. I explained I had been in contact with them and PA about the situation and he is screaming at me and telling I will pay. We get on the phone with XXXX and his attitude did change somewhat after we were on the three way call. But when I was speaking with my insurance representative he told me to be quite. At this point I had enough and told him to shut up that I could speak. I just wanted to make someone aware that he is a very rude and intimidating man that shouldnt be working with the public. I can just imagine him calling elderly people and screaming and intimidating them. Our issue was put on hold because it was just like I explained to him but it took my insurance representative to tell him because he kept talking over me and screaming.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have previously filed a complaint directly with Bank of America regarding a Fraudulent Credit Account that was opened in XX/XX/2018. The Bank refuses to remove the account it is fraudulent I never applied for a Bank of America credit card account no one from the fraud department reached out to me via US Mail to resolve my complaint instead they attempt to compel me to pay the debt that I did not benefit from nor do I have any knowledge of who applied for this Bank of America credit card account.

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 2019-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
IcalledintomakepaymentonXX/XX/19throughACH,thefundswereneverwithdrawnfrommyaccount.OnXX/XX/19Icontactedcheckingoagaintoadvisethatmyfundsneverwithdrewmyaccount,andtheyadvisedthattherewasanissue,andthattheyneededtoescalateuptomanagementandthatIwouldgetacallback.IwasassuredbycustomerservicethatIwouldn'tbechargedextrainterestandtheoriginaldateforpayoffoftheXX/XX/19wouldbehonored.Ineverdidreceiveacallback,soIcontactedcheckingoonXX/XX/19aspayoffstillwasnotwithdrewfrommyaccount.IwastoldthatIcanpaywithadebitcard,asmybankwouldnotacceptmyACHandthatnowwouldnotbehonoringmyoriginalpayoffandattemptedtodothatandadvisedthatitwasnotbeingacceptedandhadtocontactmybanktoreleaseanyholds.Iknowhaveincurredover200.00ininterest,withoutanyphonecallsfromcheckingotoadvisethattheycouldnotacceptpaymentsfromtheXX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: GA

Complaint narrative:
There was inacurrate information reported on my credit report from all 3 bureas. I have contacted all 3 bureas ( XXXX, EQUIFAX, AND XXXX ) in a dispute process and over the phone. XXXX and XXXX deleted the negative information but Equifax has yet to delete the problem. On XX/XX/2019 I sent my second round letter to equifax with proof that XXXX and XXXX had deleted the items, and asked equifax to provide me with verification about the accounts. They have failed to provide me information validating the accounts and i have uploaded all the proper documents. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I AM NOT THE ONE THAT OPENED UP ACCOUNT XXXX THIS IS NOT ME THIS IS A FREQUENT ACCESS MY ACCOUNT AND MY INFO THIS IS SOOM ONE THAT GOT MY INFORMATION. 

KOHLS CAPONE IS NOT MY ACCT. 
XXXX THIS IS NOT ME. 
ONE HAS MY NAME AND ADDRESS. 

THIS SOOM ONE THAT GOT MY INFORMATION. XXXX WILL ACCT. # XXXX MY INFORMATION IS IN THE DARK WEB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
OnXX/XX/2019,IplacedasecurityfreezeonmyfilewithXXXXXXXXXXXX.

OnXX/XX/2019,IsentEquifaxacertifiedletterrequestingverifiableprooftheyhaveonfileregardingthebankruptcies.

OnXX/XX/2019,IsentUSBankruptcycourtacertifiedletterseekinginformationonhowtheyreporttocreditreportingagencies.

OnXX/XX/2019,IreceivedaletterfromUSBankruptcycourtstatingbankruptcycourtdoesNOTperformanyactivitieswiththecreditbureaus.

OnXX/XX/2019,IreceivedacopyofEquifaxinvestigationreport.Equifaxstatedtheinformation,Idisputedwasverifiedthatthepublicrecorditemisreportingcorrectly.

Equifaxobtainedinformationfromlocal,stateandfederalcourtsthroughathird-partyvendor,XXXX.

AlsoEquifaxlistedabirthdaywhichisnotmine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
I am still misunderstanding. 
I do not understand the reason ( s ) my medical insurance was not billed, instead of me.

And if I had none then I should of not been seen by a doctor ; unless proper billing was covered and issued as my possibility to be seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
Convergent outsourcing is reporting account on my credit that isnt mines. I have asked them to Vaildated account with my signture but failed to provide me with anything. This not my account.

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 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I was never notified of the debt I owed and am not sure what the debt is for. A derogatory mark was noted on my credit report and XXXX XXXX sent me an email of such. I looked on the XXXX XXXX site and found the company listed is Caine and Werner and I owe {$100.00} but I don't know what this debt is for or who it is owed to. They have not contacted me to notify me of this situation. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
Collection Bureau of Hudson Valley keeps calling my house seeking someone we do not know. Rather than find the correct debtor, they continuously call us. The most recent call was on XX/XX/19 at approximately XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient charged me a {$12.00} late fee on a federal consolidation loan. When I log in to my account summary it indicates that I owe {$190.00} on a private loan, {$0.00} on a fed consolidation loan that is on IBR, and {$12.00} on a second fed consolidation loan that is also on IBR. Each month  it claims that I owe XXXX plus XXXX. Multiple times I have tried to pay the XXXX believing that it was the amount of my IBR on that loan. However, I noticed that every time I made a payment the amount continued to be the same. I looked deeper into the loan and discovered that the XXXX is a late payment fee and each time I made a payment of the XXXX as is indicated that I owed on the monthly due date, the payment would not go toward payment of the late fee and instead be applied to interest only, leaving the fee un paid. The next month the fee would continue to appear and be due on a particular date, and if I tried to pay it they would not apply it toward the fee. So I called, the agent stated that payments towards fees can not be applied until all interest is paid off and the fee is applied " on the back end of the loan '', and that I do not need to pay it and it would not be reported to the credit agencies. I stated that if I was not actually able to pay the XXXX until all interest is paid then the " payment due on the XXXX '' demand should be removed, since you are demanding I make that payment of the late fee on that date and when I do as requested the payment is not attributed. And if I do not have to pay the fee ( because technically I can't ) I demand that you stop misleading me by making it " due '' each month. The agent said they can not do that. So each month, they demand I make a payment of XXXX on the XXXX, when in reality I am only required to pay XXXX. This is misleading way to collect a debt and goes against my rights. This debt collector ( Navient ) is first misrepresenting the amount I owe on the monthly payment from {$0.00} to {$12.00}, second they can not control which debts my payments apply to. They attempt to have me pay the late fee and when I do so they use it to pay a different debt ( the late fee ). Even when I have called to attempt to pay the late fee they would not allow me to do so until " all interest is paid '', forcing me into an outstanding " debt '' of a late fee that continues to roll over each month on top of my $ XXXX  monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US BANK initially lost a certified cashier 's check in the amount of {$4500.00}, which was sent directly from XXXX XXXX to US Bank by XXXX. The check was signed for by a US Bank representative. We refused to make payments to the loan until US Bank located the check or resolved our dispute by crediting the amount of the cashier 's check ( as we could not simply place a stop on certified funds ). The bank failed to acknowledge the fact that we were already out of XXXX and could not continue to make payments until we were positive the payments were actually going to be acknowledged and credited to our account. US Bank denied losing our check and refused to take any action. Needless to say, during the pendency of our valid dispute, the deficient mortgage balance doubled due to foreclosure attorney 's fees. We requested US Bank to itemize the foreclosure attorney 's fees to ensure the fees were reasonable, but they refused. The loan currently has more than XXXX in attorney 's fees and we are unable to pay this amount, especially considering the mortgage is now XXXX delinquent. 
US BANK refuses to take our calls and the account is not available online.

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 2019-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Balance : {$1000.00} Dear Sir or Madam : On XX/XX/2019 I notified Midland Funding LLC in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. 
Midland Funding LLC refused to follow up on my letter explaining or notice it is disputed. 
I wish to file a complaint against Midland Funding LLC under the Dodd-Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29 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: CA

Complaint narrative:
On XX/XX/XXXX I informed Transunion of an old closed account from XXXX XXXX that continues to report incorrect past due amount and balance. The account has been closed for 10 years, their " charged off '' amount from XX/XX/XXXX was CANCELLED by the IRS on XX/XX/XXXX XXXXode G : due to LAW & policy after 5 years of me sending complaints. I notified both XXXX and Transunion that the balance being reported never existed and there is no past due amount as anything relating to this account was cleared in XX/XX/XXXX yet for some reason a balance kept being reported that was more than the original charge off and cancellation. I was never late on this account to begin with. They failed to send my bill, improperly processed payments and reported inaccurate data and the whole issue is OLD! It looks like XXXX did report the balance and past due as {$0.00} on XX/XX/XXXX, but Transunion sent me a credit report still showing the bad data on XX/XX/XXXX. I called Transunion and the agent told me that the negative item was removed but my report wouldn't refresh until XX/XX/XXXX when the dispute officially closes. He suggested I check XXXX XXXX on the XX/XX/XXXX to see the change and I did see that the balance and past due were put to {$0.00} and my score went up. The agent told me the new data would be effective immediately and I could apply for credit after the XX/XX/XXXX but when I applied to XXXX XXXX XXXX on the XX/XX/XXXX for a business credit card for my business that has been on hold all year cause I can't get a business credit card to charge needed materials and inventory with business buying protection, I was rejected. Apparently, XXXX did NOT receive the refreshed credit report, they got an old one with outdated, inaccurate data and a much lower score than anything shown 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