vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
I have been paying on this debt of {$1700.00} since XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
{$50.00} payment was sent from my XXXX XXXX XXXX - Checking Account to XXXX on XX/XX/XXXX instead of XX/XX/XXXX due date. Reason : Post office placed my mail on the wrong apartment mailbox. Therefore, XXXX Credit Card Rep ADJUSTED XX/XX/XXXX LATE FEE on XX/XX/XXXX, but failed to remove the corresponding finance charges of {$1.00} at the time. This failure on their part, resulted into later months statements balance. Refer to statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition, refer to transactions obtained from bank pertaining XXXX XXXX Card all these years and never late. You can also see that now in XX/XX/XXXX I am being reimbursed by XXXX XXXX {$1.00} for that " supposed '' late payment on XX/XX/XXXX. This whole issue of late payment for {$1.00} is greatly impacting my credit report and credit score in XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
I kept getting the same repeated phone calls and voicemails multiple times per day. It sounded like a scam so I didnt respond since they never told me who they were on voicemails. I finally got a hold of them on XX/XX/19 when I found out they had called my sister, my father and my brother. They left a very personal voicemail on my brothers cell number. I have asked NUMEROUS times not to call my family members. When I spoke with the company on XX/XX/19. The man I spoke to was aggressive, rude and down right demeaning. I explained I wasnt currently working due to a health issue but I would like to rectify the situation when I can. He got very aggressive after I said that. He was excessively rude. I have a copy of the personal voicemail that he left on my brothers phone line. It was NOT okay to share my personal info with anyone other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have repeatedly emailed Wells Fargo Mortgage company. I have taken screenshots of any and all emails that I have sent via their online email service prior to sending any and all communication. I stated that I was in the process of selling the home. I also stated that they made an error by denying the now deceased homeowners modification and owed the estate {$12000.00} per lawsuit and settlement. Wells Fargo has repeatedly denied this and stated that the home is in foreclosure and that the estate owes Wells Fargo. I have repeatedly requested the calculation for the error responsible for the modification denial and illegal foreclosure that Wells Fargo is attempting at this time. Wells Fargo is refusing to provide me with this calculation stating it is " confidential, privileged and / or proprietary information ''. Based on the fact that Wells Fargo is attempting to illegally foreclose on homes, public policy takes precedent over any proprietary concerns of a simple mathematical calculation, especially when it has already been proven to have been in error. There is no novel concept that could possibly be used for the good of society in this manner and protected yet foreclose on homes illegally. That is protecting corruption. That is deceptive and unfair trade practices at its worst. After demanding the calculation and Wells Fargo refusing, they then stated that they " verified that she does not have permission to receive information ''. This was sent on XX/XX/2019 ( see attached ). A day after their attorneys IN FACT verified that I am the legal executrix on file in the county courts ( please see the attached ). Wells Fargo is attempting to illegally foreclose on property. I have stated that I am attempting to sell said property ( I have these screenshots of this email communication ). Wells Fargo has repeatedly lied and acted in bad faith, which I have on record, both recorded voice and documented thoroughly.

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 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX  did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into billion dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I purchased a vehicle in 2012. The vehicle was almost paid off, due to an injury I fell behind however I did begin to resume making the payments. I made an agreement with the debt collector for the amount of {$4500.00} of which {$2000.00} was paid. The creditor sold the loan without my knowledge and I sent payments to the original company. I was then sent a law suit letter stating I now owe {$10000.00}. I was not given any written notice that this loan/debt was sold and that payments should be sent to another company.

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 2019-09-25 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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-25 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: TX

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
THIS IS NOT THE SAME THIS IS NOT A DUPLICATE I have reported fraud and identity theft since XXXX/XXXX. 
I reported fraud and identity theft in person to XXXX XXXX XXXX XXXX  XXXX va the manager XXXX. 
I have over XXXX XXXX dollars that has been illegally stored and transferred via Ebankibg unknown identity thief. 
XXXX bank if America regulatory supervisor after intense fraud research thru my complaint her letter dated XX/XX/XXXX states CLEARLY MS XXXX I DO NOT SHOW ANY OVERDRAFTS ON YOUR dole account of XXXX. I recently obtained bank of americaiXXXX dole accounts that prove that was a false statement by my financial institution that should be protecting my monies and personal information from being combined with other persons/ entity. attached are screenshots of the XXXX XXXX XXXX overdraft. Of {$35.00} and then I was charged {$35.00}. 
So again bank of America who had XXXX  access to my sole account of XXXX XXXX XXXX from XXXX thru present date. 
Also identify the bank of America addresses of my sole account that bank of America put on my monies Opening thru XXXX XXXX XXXX XXXX Florida   XXXX XXXX deleware I am requesting the authorization documents if who put me on these business type EBANKING accounts with my deposits of over 100 thousand dollars plus transferred monies ( without my knowledge  or permission ) that was fraudulently used tampered with transferred and someone running thru fraud unauthorized check cards which I did not have any debit cards as per summeralls letter until late XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I have two credit cards that were suddenly sold to a debt buyer known as XXXX XXXX XXXX XXXX. I am here to state that the two original creditors, hereafter known as Synchrony Bank and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. XXXX XXXX XXXX is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I have two credit cards that were suddenly sold to a debt buyer known as Midland Credit Management Inc. I am here to state that the two original creditors, hereafter known as XXXX XXXX and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. Midland Credit Management is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
{$50.00} payment was sent from my XXXX XXXX XXXX - Checking Account to Amex on XX/XX/XXXX instead of XX/XX/XXXX due date. ( One Day late ) Reason : Post office placed my mail on the wrong apartment mailbox. Therefore, Amex Credit Card Rep ADJUSTED XX/XX/XXXX LATE FEE on XX/XX/XXXX, but failed to remove the corresponding finance charges of {$1.00} at the time. This failure on their part, resulted into later months statements balance. Refer to statements of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition, refer to transactions obtained from bank pertaining American Express Card all these years and never late. You can also see that now in XX/XX/XXXX I am being reimbursed by American Express {$1.00} for that " supposed '' late payment on XX/XX/XXXX. This whole issue of late payment for {$1.00} is greatly impacting my credit report and credit score in XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a hard inquiry on my credit score from Synbc for filling out a care credit application which was denied and now its affecting my credit score. I want this removed.

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 2019-09-25 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 identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 2019-09-25 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result 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 non-monetary relief
Consumer complaint received 2019-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Uodate on my previous complaint : According to Superior Court of California dated XX/XX/XXXX my proproperty was never sold and a mortgage was never opened by anyone except me in XX/XX/XXXX. Please refer to case information XXXX XXXX for " XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ''. Please see Register of  Actions. 
I was evicted and can not stay in my home. Please have the sheriff or appropriate government official give me possession of my home. There are squattters/people living in my home and making illiegal alterations to my home now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been paying on this debt of {$1700.00} since XX/XX/XXXX. I had a financial hardship and was unable to pay after making five payments of the verbal agreed amount {$140.00} and a sixth payment in the amount of {$100.00} which gave a total of {$800.00}. The firm filed in the courts and a stipulation was agreed upon to continue the payments as agreed only difference being this time it would be withdrawn via ACH. A stipulation was emailed to me, which I signed and sent electronically as agreed for amount of {$1700.00} and court cost of {$340.00} which would be a total of {$2000.00}. I've paid to date {$2000.00} and should only have a balance of {$21.00}. I went to check the account on their site today and saw an outstanding balance of {$960.00}, I immediately contact the firm via chat and was told to call in. I called and after holding for 20 minutes, I was told by the Rep that the reason for the balance shown was because I didn't signed the Stipulation. I have prove where that Stipulation was signed and emailed on XX/XX/XXXX at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i  wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX   CREDIT REPORTING AGENCY.I WROTE A LETTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GET A REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS. I WROTE TRANSUNION AGAIN ON XX/XX/XXXX NO RESPONSE BACK. I WROTE AGAIN XX/XX/XXXX, XX/XX/XXXX. IT'S BEEN 3 MONTHS SINCE MY LAST LETTERS ASKING TRANUNION TO VALIDATE THIS DEBT THEY SAY I OWE.I REQUESTED " VALIDATION '' THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE SOME CONTRACTUAL OBLIGATION TO PAY THEM. I HAVE YET TO GET A REPSONSE. 


Desired Resolution / Outcome

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