vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today, I received an income execution from the  XXXX   County Sheriffs  Department dated  XXXX / XXXX / XXXX , indicating that my wages are going to be garnished for an original debt amount of :  XXXX   due to Chase Manhattan b ank with an original judgement date of :  XXXX / XXXX / XXXX .  <P/> It also added an additional {$5600.00} for interest, {$620.00} for  XXXX , {$40 .00} 1rst stage and $ {$30.00} for 2nd stage, fo r a total due of : {$13000.00} payable to  XXXX   XXXX   XXXX   XXXX .   Not only am I unaware of what this debt is for, I do not recall being served a summons to court over 9 years ago!   In addition, the interest on this debt seems exorbitant and unjustified.   This item does not appear on my credit report, nor do I feel that I owe this, being that it has exceeded the 7 year collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: IL

Complaint narrative:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for   XXXX   ... there were  XXXX  accounts on my report for  XXXX  in which  XXXX  were deleted yet  XXXX  remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,   XXXX    XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XXXX XXXX 2017 I submitted a written request for validation of the debt under the Fair Debt Collection Practices Act. Specifically I requested the following required information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent Their response provided me only the information on their debt collection letters and my credit  report and non of the requested required information. At this time they are in violation of the FDCPA. I request they be ordered to stop all debt collection attempts and remove this item from further credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XXXX /2016,  XXXX ,  XXXX /2016,  XXXX , none just now looking at my credit report I had identity theft someone been using my social

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR

Complaint narrative:
Our mortgage loan was transferred from  XXXX  to a group called Bayview Loan Servicing , LLC back in  XXXX   XXXX . We are in process of attempting to refinance our home and there is a {$14000.00} amount  that Bayview Loan Servicing i s claiming as a  Deferred Amount. When we call Bayview the y claim that it is from a modification from  XXXX   XXXX ,  XXXX . We do not have any reco llection of doing any modification. When we try to speak with a supervisor with Bayview we get disconnected and have to start the process all other again. We have requested a payoff and we 'll bet you that we  wo n't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AR

Complaint narrative:
DEAR CONSUMER FINANCIAL PROTECTION BUREAU  SO IM SUB MITTED WRITTEN COMPLAINT FORM AGANIST AND FINANCIAL BANK COMPANY THAT OFFER GOVERMENT BENEFITS CARDS THREW TH E US  DEPARTMENT OF TREASURY SO ASLO I CALL MY BANK CREDIT CARD COMPANY TODAY AND INFORM THEM ABOUT AND TRANSACTION FUNDS THAT WAS MISTAKEN OFFER MY DIRECT EXPRE SS MASTERCARD ACCOUNT 16 DIGIT  NUMBER SO ASLO I CAN PROVIDE THE TOLLFREE CUSTOMER NUMB ER I C ALL  XXXX   SO ASLO  WHEN I CALL CUSTOMER SERVICES DEPARTMENT ABOUT MY  MASTERCARD  ACCOUNT NUMBER THEY SAID THE ONLYWAY THEY CAN TELL ME WHERE MY FUNDS WAS MISPLACE OFFER MY CREDITCARD THEY WILL HAVE TO CLOSE  MY MASTERCARD ACCOUNT NUMBER AND START AND INVESITAGATION WILL TAKE 30- 60 DAY S FROM THE DISPUTE TRANSACTION DATE  XXXX / XXXX /  XXXX   WAS THE DATE THAT THE FUNDS WAS TRANSFER FROM MY MASTERCARD ACCOUNT NUMBER TO ANOTHER BANK CHECKING ACCOUNT SO THE SPOKE PERSON I TALK TO OVER THE PHONE IN DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT INFORM ME THAT THE FUNDS ARE  FDIC COVERAGE INSURANCE BUT THEY COULD NOT TELL ME WHERE MY FUNDS WENT EVEN KNOW THE COMPANY HAD ACCESS TO MY MASTERCARD ACCOUNT NUMBER SO I TOLD MY CREDIT CARD BANK COMPANY I DID NOT MAKE FALSE MONEY TRANSFER FROM MY GOVERMENT BENEFITS CARD SO THEY ASLO IMFORM ME THAT THEY COULD SEE THE CARD ACCOUNT TRANSACTION BUT COULD NOT TELL ME WHAT FUNDS THE COMPANY WAS PAY TOO WITHOUT MY CONSENT MAKING MY OWN TRANSACTION CARD ACCOUNT HISTORY SO THEY TOLD ME AT DIRECT EXPRESS MASTER CARD CUSTOMER SERVICES CENTER SOMEONE ELSE HAD ACCESS TO MY MASTER CARD ACCOUNT NUMBER WITHOUT ME KNOWING ITS SO THE BANK CREDIT CARD COMPANY FALIURE TO HONEST PROMISE CONSUMER CREDIT CHARGE BACK TO MY 16 DIGIT MASTERCARD ACCOUNT NUMBER SO I HAD TO CONTACT DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT 7 TIMES AND WAS STILL UNABLE TO RESOLV E DISPUTE WITH MY BANK CREDIT CARD COMPANY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) a nd a serious breach of my privacy rights.

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 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I reached o ut to Barclay 's  Bank fo r my Barclay Arrival Card at  (  XXXX  )  XXXX  on  XXXX   XXXX ,    2017  at  XXXX   XXXX  to inquire about  two  times my interest rate increased an d one ti me it was decreased on my variable APR. The reason I was aware of this is because a third-party application called  XXXX  notifies me when such changes occur. Upon speaking with the representative I informed them that my interest rate was increased in  XXXX  and  XXXX  this year, yet I had not received a formal notice in regards  to this. The one t ime it was decreased,  XXXX  I believe, I had requested it and a formal letter was sent to my address on file. I was perplexed as to why I would not receive a letter or e-mail besides my normal statement to indicate when my rate would increase. After much back and forth I spoke with a supervisor that informed me that interest rate increases were due to the recent hike s by the FOMC in each month. This statement made it much clearer to me why I received the two interest rate increases. However, there was no formal communication of this from Barclay card. The response I   received from the supervisor was " Do you expect us to notify all of our millions of customers? '' At first I was taken aback and somewhat agreed. After having thought abut it though I am sure there are some guidelines that may have been provided under the Dodd-Frank Act or that are required by the CFPB. Please clarify what they are if any. 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 2017-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is my old complaint #  XXXX  which is closed.   Bank of America has made wrong decision based on my past affiliation with my last employer and my old friends in   XXXX   XXXX  . I left my past emplo yer (   XXXX   XXXX   XXXX   ) i n  XXXX   XXXX  because company had financial and legal problems.   I le ft USA on   XXXX   XXXX ,  XXXX  and came back  XXXX   XXXX ,  XXXX  to  XXXX . ( I have given profs of me not being in  USA )  Since  XXXX   XXXX ,  XXXX  I have no contact with anyone in   XXXX   XXXX   nor I have been to   XXXX   XXXX  . Someone from my old addres s (   XXXX   ) got hold of my credit cards coming in mail and used them illegally without my knowledge. Therefore I 'm not responsible for the charges on my closed credit cards accounts.    Please help me to resolve this problem. I 'm having lots of problem because my credit report is very bad because of this.   Thank you very much.

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 2017-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX 2016 I was scammed with an online job posting on XXXX, the listing seemed very credible and I followed instructions via email to receive a counterfeit check and deposited into my Chase bank account to then withdraw and deposit into the scammer 's account. I received the check for {$3300.00} and deposited to my account on XX/XX/2016. At the time being XXXX years old I knew almost nothing about how to handle unknown checks since I believed in the bank to handle it properly. I continued following the scammer 's instructions to withdraw the money from my account, at this point I did not want to be ignorant so I asked the teller if the money I was about to withdraw was entirely available and if I had nothing to worry about or be concerned of beforehand and the answer was no nothing to worry about, until a few days later that I received a letter from my bank stating the check bounced and the money I had already deposited into the scammer 's account had to be returned leaving me in debt and in great suffering of worries and emotional damage for me and my family. I instantly tried to solve this matter with bank and police but neither could help since there was not enough solid evidence of the scammers and the money was gone. I also reported the matter to corporate offices and was told this was entirely my fault for not knowing very much about checks. They told me the money was extended as an advance without informing me and they expected the check to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: AL

Complaint narrative:
My wife and I sold our home in  XXXX  and closed on  XX/XX/XXXX . During this process we packed up and moved to   XXXX   in  XXXX . We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right?   My wife and I decided we wanted to buy a new home in  XX/XX/XXXX , In doing so the lender ran our credit reports only to find that  XXXX  reported us 60 days past due for the months of  XXXX  and  XXXX  of  XXXX . How could this be we paid off our mortgage in  XXXX . After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in  XXXX . The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested  XXXX  to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at  XXXX  with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue!  XXXX  has yet to return any of our calls. Unprofessional to say the least!!!

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 2017-06-05 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: AL

Complaint narrative:
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXand XX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

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 2017-06-05 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: IL

Complaint narrative:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for  XXXX  ... there were  XXXX  accounts on my report for transunion in which  XXXX  were deleted yet  XXXX  remains and  XXXX  JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

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 2017-06-05 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: IL

Complaint narrative:
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from XXXX. I asked for written verification as well as signed contracts with my signature for XXXX ... there were XXXX accounts on my report for XXXX in which XXXX were deleted yet XXXX remains and EQUIFAX JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND XXXX XXXXXXXX XXXX on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....

Company response to consumer: Closed with explanation