vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
If I recall in either late XXXX or XX/XX/2020 XXXX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with XXXX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving SSI. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on XXXX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional XXXX minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? 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 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
I Obtained a title loan from the XXXX XXXX XXXX XXXX {$6100.00} in XX/XX/XXXX. I fe ; ; behind on payments because of lost of income and made arrangements to pay less. In XXXX covid pandemic stay at home were in place and I struggled more. I made small good faith payments and called the store about my situation. I was told Titlemax was closing XXXX  stores and they did not know what would happen and I would receive info by mail. I never did, In XXXX logged in to make a small payment but the loan information showed 0. I thought it was temporary. I called a the XX/XX/XXXX at XXXX pm ( I have phone records ) XXXX  customer service to find out my options and request some time to pay. I spoke with XXXX she said XXXX  was not repossessing and they would keep my title until I paid the charge off amount. She also said they might consider a settlement. I confirmed my mailing address and told her I need help until XXXX. They did not have options. They are claiming they did not receive the call but my notes and phone bill are proof. I have pais approx. {$3000.00} in payments. My car was repossessed without warning XX/XX/XXXX at XXXX XXXX, I called the police because I was unaware. Title max did not follow procedure to charge off or repossess. They did not communicate because they were in transition and did not have the staff to follow protocol. XX/XX/XXXX I spoke to XXXX in restitution department. He said they would not offer reinstatement only a settlement. I told him it was XXXX  Law to offer reinstatement. He said not. He offered a settlement of {$7000.00} due by XXXX XXXX or the car will be sold XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mother passed away in XX/XX/XXXX, while I was still a minor, of 9 years of age. This has proven to be detrimental in the quality of life Ive had there after. She worked since XX/XX/XXXX to XX/XX/XXXX with full employee benefits, retirement and life insurance, Where I believe I was the only beneficiary, but as a minor, I had no voice and my future was in the hands of family. To my knowledge the court placed the life insurance in a CD that I would be penalized should I have withdrawn ahead of time, which I did, however received no penalty. My aunt was a personal banker at the same Bank of a America branch off XXXX XXXX in XXXX Ca and she handled all of my families banking needs. Including my inheritance. In XXXX, I had an urgent need to make my first withdraw, and by XXXX the approximate XXXX balance was completely gone, my aunt retired early due to the stress on the job and now in XXXX when I am wanting documented records of the XXXX, names, dates and withdrawals, the bank has no records of it. 
My problem is, how is it not a policy against Family members having access to families financial needs? Theres companies such as XXXX XXXX who will not allow even relatives to be employed together, how does Banknof America allow this?

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 2020-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
If I recall in either late XXXX or XX/XX/2020 AMEX reduced my credit limit by {$2000.00}. I was never late with a payment nor had any prior issues with the company. During that period I was dealing with hardships that included issues in my apartment that made it uninhabitable, and I was paying for the repairs and services ( due to landlord 's refusal to pay ). I pleaded with AMEX not to reduce my credit at that point, due the hardships. I was using multiple credit cards to pay for the expenses, since I am XXXX and was receiving XXXX. At that point I was not making my minimum payment on my XXXX XXXX, as I could not afford to make all minimum payments on the credit cards along with paying for apartment repairs. I then did not make a payment on AMEX because I needed to keep up my other cards which still gave me a little credit to utilize during the emergencies I was dealing with. I tried to work this out with them, and they refused. They then sent me a minimum payment amount of {$760.00} due by XX/XX/2020, which I was unable to make, but did try to call them. They had already sent my account to a collection agency. This has adversely affected my credit rating, and I am unable to pass a credit check to move out of my uninhabitable apartment, which conditions in my unit are adversely affecting my XXXX. I have since been on a payment plan with XXXX to restore my rating, and have been able to make my additional 2 minimum credit payments with XXXX and XXXX. I have subsidized housing, but still need to pass a credit check, which I can not do anymore. Prior to this, my credit scores were averaging XXXX. Can you do anything to help me or advocate for me? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This company has responded stating this account does not belong to them, I have attempted to fix this situation several times, I am not requesting removal of this incorrect account from my credit file today.

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 2020-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This company has responded stating this account does not belong to them, I have attempted to fix this situation several times, I am not requesting removal of this incorrect account from my credit file today.

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 2020-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a transfer from Bank to Bank for XXXX and I never received the money, then I saw that they had hacked my account and they changed my information and the Chase bank did not respond to me ; They just tell me to talk to XXXX and I contact them and they send me to Chase again and I can't get out of there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
Last Fall, I became aware of a company claiming I owe money on a telephone bill that is not mine. They were making derogatory reports to credit agencies. On XX/XX/XXXX, I challenged that company - XXXX XXXX XXXX - to prove this alleged debt was mine according to to the Fair Debt Collection Practices Act, something which I knew they could not do, and once they could not, that they would have to desist their activities. They sent me an invoice, pretending that this constituted proof of a debt. On XX/XX/XXXX, I responded with a Cease and Desist, with which XXXX XXXX XXXX failed to comply, so I filed a first complaint with FCPB where I prevailed. I forwarded all of this information to the alleged debt originator, XXXX, informing them that if it truly was them who was alleging this debt, they or their agents must comply with the law. The issue seemed successfully resolved. 

In XXXX of XXXX, I was contacted by Convergent Outsourcing, Inc. alleging a debt with XXXX. On XX/XX/XXXX I replied with an immediate Cease and Desist, informing them of the past events and that they and their alleged originator were still bound by the prior Cease and Desist and the findings of the FCPB. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. claiming that they had " resolved my dispute and confirmed my debt '', once again submitting the unacceptable and illegal use of a simple invoice in lieu of the legally required signed document or court order - which of course does not exist - even though they had been served a Cease and Desist and not a dispute, and had already been informed that I was fully aware that an invoice was not proof. Moreover, any legal and legitimate collection agency would know that an invoice does not constitute proof of debt under the Fair Debt Collection Practices Act.

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 2020-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I was working with Wells Fargo on a new mortgage approval for our family 's new home starting in XXXX. During the process, Wells Fargo decided to have the appraisal done as a drive by and the house was valued U {$190000.00} less than the offer price. Since we did not have the additional cash, this meant we could lose the deposit and the opportunity to buy the new home. We decided to start a new loan approval process with two other lenders in parallel, XXXX and XXXX, while trying to dispute the appraisal from Wells Fargo. 
The appraisal reports produced by the two independent lenders came right at offer price. Appropriate adjustments were made to the condition of the home since both were full walk in appraisals and recent sales were taken into consideration instead of sales done 1 year ago. Both reports were shared with Wells Fargo in an effort for them to reconsider and accept those instead - we were still interested in closing with them due to their more competitive rates. However, they took over 2 weeks to make a decision and finally decided to disregard the initial Wells Fargo drive by appraisal report and accept the new home value appraised at offer price by the other two institutions. This additional delay in fixing the initial issue resulted in the inability to get fully approved with Wells Fargo in time for our planned Close of Escrow date, so we did not use them as our lender and instead used 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 2020-08-22 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: Westlake Services, LLC
State: IL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-08-22 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: ERC
State: IL

Complaint narrative:
I have a loan with XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, ERC ( Original Creditor : XXXX XXXX ), and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank offered me the debit card advance. I enrolled days ago and it took till yesterday. The bank told me keep trying every day that it's the computer that will issue the funds. So I tryed it yesterday. They said it was only one transaction that it would allow! I took out XXXX. Then I tried it again it let me do it 3 more times. I had major XXXX 3 weeks ago and it left me in a hard financial times. Now I'm negative in my account! I'm XXXX so every XXXX helps! And they were supposed to take it out of my account when I get my direct deposit next week. I don't know what to do now?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-22 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: FL

Complaint narrative:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out ... 


-XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-22 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have a loan with AMER FST CU and XXXX/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMER FST CU and XXXX/XXXX   with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: NV

Complaint narrative:
It started when i tried to apply for home equity line of credit. I have a FHA loan and FHA down payment loan. I use to have XXXX XXXX for the down payment loan but i have a different service now with FCI Lenders. As far as i know there was no penalty paying off the down payment loan early. So i called FCI Lender to find out what's my remaining balance to pay it off but they told me that i have to write a letter and mail it to them that i want to pay it off. I was like, i just want to know my balance to pay it off. So i said never mind and just paid a lot more than the usual payment i do every month. On XX/XX/2020 i payed off the remaining balance on my account ( show 's on my monthly statement ). A couple weeks later i got a letter saying that i still owe money and i need to pay it off to get my account release. I thought there was no penalty? so i called my old lender about the problem im having. She told me, did i receive a change of service letter?, and i replied i think i did but it was a while back and when i tried to look for the letter which i normally save that i couldn't find it. She told me to ask the new servicer the change of service letter info, they should have it. So i called FCI lender and ask for it but they told me they don't have it. I ask, will my old service should have it? FCI Lender told me no, they won't have it.??? so who have it? I thought Reconveyance Fee was charge on the beginning of the loan? or any other fees at the beginning of a loan? Shout out to my old lender for telling me to check out CFPB.

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 2020-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The problem is had a car that me and ex got I got put in hospital and my ex left with someone else and took the vehicle with him and was 6 months behind so I called the bank to see if they could help get the vehicle since he was behind and they told me theres nothing they could do about it but yet they kept calling me about payments and thats cause my ex told them he had the vehicle and the was gon na make the payments on it Ive tried numerous times and the refused

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX and THD/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, TXXXX, XXXX XXXX XXXX and THD/CBNA with no successful resolution. There was definitely an error on their part.

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