vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXXXXXX filed over 1000 cases in Maryland using fraud from National Mortgage Settlement cases. Many Maryland families have been enslaved for life with 100,000. - 300,000 plus illegal judgments. It is time for action by authorities to demand restitution for crimes committed by substitute trustees NAMED in the National Mortgage Settlement. 

The Department of Justice knows about these crimes and should be issuing indictments and arrest warrants for the NMS 15 ( a ) violators ; any criminal act. I reported these crimes prior to this communication and your answer was less than acceptable given the dire circumstances of the victims. 

I have been intimately involved in more than one of these cases with good results proving FRAUD. For way to long these NMS crimes have been allowed to continue. It is time to act for the citizens ( over 1100 ) in Maryland alone, obtain some justice. Looking the other way when crimes have been committed with substantial evidence to prove the cases is just another crime. I look forward to a easy process to prove over 1000 fraudulent debt collection cases.

I obtained evidence from many files in Maryland the reveal the fraud involved in these illegal judgments. These cases are very easy to solve. The evidence in located in each one of the foreclosure files ( east to see ) and the subsequent actions filed by XXXX   using obvious fraud documents.

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 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit Corporation
State: CO

Complaint narrative:
Nationwide Credit Corporation ( XXXX, VA ) continues to call me daily to collect a {$40.00} medical debt from a doctor I do not believe I have ever seen. 

I have spoken with their representatives many times over the past month or so. They are generally nice until I request a Debt Verification letter, then they turn hostile and begin shouting at me. I understand my rights and will not make a payment until they have provided a verification letter. I have no problem paying this debt if it is in fact mine, but I don't think it is. 

They claimed to have sent a letter to me, but I have not received one. I asked if they sent it certified, but they declined to answer, so how do I know they sent it or are just lying like another shady debt collector? I can't possibly know!

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 2018-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2018 ( just now ) I applied for a XXXX XXXX XXXX Consumer Credit Card under the promotion I would receive {$45.00} credit on a purchase today, over {$45.00}. I followed the prompts, applied, was accepted. One of the conditions of the promotion was that I make a purchase today with the new card. However that was not possible. I did not have a credit card number and nothing in the checkout or my account allowed me to use the new account. I called ( XXXX  ) XXXX, XXXXXXXX XXXX Consumer Credit Customer Service. The answering operator gave me some double talk so I asked to be escalated and spoke to a manager. They could not give me the means to comply with the terms of the promotion so I canceled the card. The XXXXXXXX XXXX Escaltion Operator said she would make a note of this on my account but refused to give me anything in writing to that effect and did not guarantee that would allow me to meet the terms of the promotion. Meanwhile I received an email from my credit reporting service that my credit score dropped 20 points from this inquiry and the resulting change in credit parameters.

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 2018-08-02 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: CO

Complaint narrative:
I recently reviewed my XXXX consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.

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 2018-08-02 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: CO

Complaint narrative:
I recently reviewed my Experian consumer credit report and discover a company calling itself XXXX XXXX reporting a negative account on my report. I have no knowledge of doing business or signing a contract with XXXX XXXX. This willful and negligence action is causing harm to my credit score.

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 2018-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I obtained my mortgage in XXXX and remained current until XXXX, when I experienced some financial difficulty and subsequently applied for and received a loan modification late that same year. I experienced temporary financial difficulty again in late XXXX by way of my father 's illness and subsequent passing in XX/XX/XXXX. I attempted to begin payments again that same month ( XXXX  ) but the payments were refused ; I was approximately {$7000.00} in default ( with lender+ trustee fees ) at that time. 
Since XXXX, I have attempted 4 times to submit a 2nd request for mortgage assistance ; I was repeatedly asked for more documentation each time, then informed on XX/XX/XXXX, that I did not qualify, although my earnings have remained the same and I have the means to cure the arrears through a modification. 
I initially applied in XXXX and throughout the back-and-forth ; the arrears have continued to increase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: MA

Complaint narrative:
XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine

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 2018-08-02 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: MA

Complaint narrative:
XXXX XXXX XXXX Account Details Account status Closed Type Mobile Home I have never had a mobile home nor manufactured home. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting an account with XXXX XXXX  that has surpassed the Credit Reporting Time Limit. The last status update occurred on XX/XX/2009 and indicates a Paid, XXXX Balance ; however, this account is well beyond the 7 year Credit Reporting Time Limit.

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 2018-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank is trying to take advantage me because I am XXXX. ( 1 ) They are putting false information on my credit report. They claim I own them money but state of limitation has pass to collect. ( 2 ) They have no contract with me with ink. I will like for Wells Fargo bank show me the original contract I sign. Pick one out of XX/XX/XXXX, we can meet in XXXX and I have expert look at contract to prove that not valid contract. 
This is not first time Wells Fargo Bank discriminate against people. 
On XX/XX/XXXX, Wells Fargo & Company ( Wells Fargo ) entered into a settlement agreement with the U.S. Department of Justice ( Department ). The Agreement requires Wells Fargo to compensate ( pay ) certain individuals who experienced XXXX discrimination in violation of Title III of the Americans with Disabilities Act ( ADA ) when trying to call Wells Fargo, visit one of Wells Fargo 's banks or retail stores, or otherwise access Wells Fargo 's services.

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 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt was brought on a person who stole my indenty I never lived at the address XXXX XXXX XXXX XXXX ca XXXX thats where this account was opened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jonathan Neil & Associates, Inc
State: TX

Complaint narrative:
To whom it may concern, I am being charged twice by a company which is attempting to collect a debt. They said I did not pay a bill to XXXX. I had been a long-time customer with XXXX and I gave notice to cancel my car insurance some time around XX/XX/XXXX in XXXX prior to moving to XXXX full time. To my knowledge, after cancelling with them, I never received any further bills from XXXX. 

On XX/XX/XXXX I received a notice from : XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, CA XXXX XXXX ( they dont answer their phones I left many messages explaining I never received a bill. 

Since I live in XXXX, I did not want to hassle with this nor did I want anything to effect my credit rating in the states so I and went ahead and paid {$69.00} ( which is what they claimed I owed ) on XX/XX/XXXX. I used my XXXX XXXX XXXX. They cashed it *see below and then, they recently sent me another notice to pay them the same debt. They sent that notice on XX/XX/XXXX. 

This is what appeared on my XXXX bank statement DescriptionTypeAmountXX/XX/2018Online Payment XXXX To Jonathan Neil & Associates , Inc XX/XX/XXXXBill payment {$69.00} I do hope you can help me. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am having some issues with my credit report with Items on it the are not mine. Its possibly fraud. I would like to have a copy of my credit report. I am disputing the follow account they are not mines : XXXX XXXX   BAL : {$1100.00} XXXX XXXX 30 DAYS LATE. 
I HAVE NEVER OPEN ANY ACCOUNTS WITH XXXX XXXX XXXX FOR ANY BUSINESS PLEASE DELETE OR BLOCK THIS ACCOUNT.605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] 605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ]

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 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX came stopped me from buying my home I need this off I have never done business with them. I have sent countless letters to them asking to prove to me it's my debt by showing me a signature and haven't received anything.

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 2018-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank is not upholding policies in regards to when a customer filed a claim against an unauthorized transaction.. in my opinion I believe the Fifth Third Bank discriminate against customers especially myself.. I was told one thing over the telephone however going to the branch its a different story ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Business Card has marked me late for two years despite the payments being auto-debited from our bank account. It has ruined my credit, my life and they will not help me. There are definite notes on my account reflecting this issue and I am currently challenging the marks again via XXXX XXXX. 

In XXXX of XXXX my bookkeeper, who I had arrested this past year for embezzling, stopped paying my bills amongst many other nefarious activities. 
It took me almost 6 months to realize this and by that time was forced to close my account. 
I got set up on a payment plan and all was great for a year. 
I never received a statement of account or anything else other than a generic monthly " Your payment is due '' notice. What Chase failed to alert me to in any way was that the original payment plan expires at a year ... So in XXXX of XXXX I went late, and in XXXX called after not seeing my payment being extracted out. Surprised to hear I was no longer in a payment plan I eagerly set up another. This was in affect for XXXX. What Chase failed to do was let me know that I was two payments behind or that I owed X amount of dollars to get current. No, I was just placed back on an auto-debit that extracted monies monthly ... ... ..35 days past their actual due date. 
So for the following year and a half I was marked late every month and no, I wasnt contacted alerted, no late payment notice, just the same generic " Your payment is due '' notice. There wasn't even a way to mount my account online, it didn't exist ( At the time ) After seeing my FICO number continually decreasing I thought something must be up and I dug deeper. I actually was surprised that my personal credit could be affected by a business account to begin with. I thought that was horrible to tie a personal social security to a business and I never signed a Personal Guarantee. 
I started calling Chase because its the only thing that could be dragging me down, we finally spoke to XXXX XXXX who was able to see that for the past almost two years Chase, despite extracting the money through an ACH, had been taking it 35 days late and reporting me late. Every month. 
So I write this complaint to try and rectify the situation. XXXX said she could help but refused to. I have had my life ruined and there's no culpability from Chase, no help, no anything. I am damaged from them. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: FL

Complaint narrative:
XXXX has removed the trade lines due to identity theft. This company continues to report it to my credit reports even though they have been notified more than once it should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Sovereign Lending Group, Incorporated
State: CA

Complaint narrative:
This business used my information without my knowledge or approval. This credit check was not authorized. This has damage my credit and my bank, of over 40 years has stopped all my credit because of these erroneous inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 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: CT

Complaint narrative:
XXXX  XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XXXX  balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my XXXX Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL 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 2018-08-02 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: CT

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX The account is reflecting an Unknown Status. The Account should reflect a XX/XX/XXXX balance. Also the Credit Report is stating that I was late in XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. 
This account was never late. I was placed on an FHA INSURED LOAN MODICATION PLAN THAT INCLUDED THE FOLLOWING DATE XX/XX/XXXX, XXXX of XXXX, and XX/XX/XXXX. The FHA plan started from XX/XX/XXXX and renew the plan on XX/XX/XXXX. I ATTACHED A LETTER from XX/XX/XXXX XXXX XXXX of the INFORMATION TO SUBSTAIN BY ENVIDENCE THAT THE LOAN WAS NEVER LATE. 
Please remove late status from my Experian Credit Report. 
Contact Information XXXX XXXX XXXX XXXX, FL 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 2018-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Someone used my information at the hospital. They were told this. Police reports were filed as well as a FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: MO

Complaint narrative:
This debt recovery business contacted 2 relatives ( embarrassing/humiliating ) and left a message for me on the very same day. I do think the individual said her name was Mrs XXXX (? ). Phone : XXXX ext. XXXX Left message for my sister in laws. Totally embarrassing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation