vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
On or around XXXX XXXX, Rent Recovery Solutions placed several calls to me stating I owed money to XXXX XXXX XXXX XXXX. I told them over the phone I had no clue who they were and I have never done business with them. The Rent Recovery Solutions spokesperson stated that it would be reporting to my credit report. Sure enough, it has reported to XXXX and XXXX. I filed a dispute with both companies and XXXX deleted the collection after investigating and determining it to be fraudulent. XXXX has been investigating it for over a month at this point. I am attempting to purchase a home however this fraudulent information is damaging my ability to do so. I request that the CFPB on my behalf contact XXXX and anyone required to remove this collection from my reports. I have filed a police report with The XXXX of XXXX Police. 
The collection is titled : RENT RECOVERY SOLUTIONS Ammount : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. 
Sincerely, XXXX 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 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: U.S. BANCORP
State: IL

Complaint narrative:
i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours

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 2017-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
Called XXXX XXXX XXXX to close my account on XXXX/XXXX/XXXX. I was told this was completed. Credit bureaus were notified of the account closure. Today I received a statement in the mail that I had an open account which they purchased from XXXX XXXX XXXX with a brand new account number. I never opened a new account with Elan Financial Services and my old account with XXXX XXXX XXXX was closed before the accounts were transferred. Opening new accounts for customer 's without authorization is unacceptable and I would like this account to be corrected to reflect the accurate information immediately.

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 2017-11-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Case number XXXX, i returned item via XXXX XXXX Shipping Label Tracking : XXXX, the return was delivered on XXXX/XXXX/XXXX however i never got refund. I contacted and faxed all info to Chase twice, however they are not working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I originally applied for a new Capital One card ( this would be the 4th card I have with them ) in XXXX 2017.  Once I received the card I did n't setup the account right away ... I did however make a purchase using that card later on after which I attempted to login to the website and pay the amount off. 

When I tried to login to the capital one " buypower card '' website it was different than my normal capitalone.com account. I tried to setup my card and it came back with an error. Frustrated and unable to call them right then ; I waited until I got another chance to make my payment attempt. This happened several times until I finally called Capital One. 

The girl on the phone explained that they were having website issues and that she can process my payment over the phone. I had asked her if the account went into collections and she said they had begun the processes but since I was making the payment now ; it would automatically reverse itself after 30 days. It has now been 90 days and this item is still on my credit. 

I attempted to call Capital One today and I was finally able to link my credit card account into my correct Capital One account. The balance was still XXXX ; but I told the person on the phone about what had happened and they said they do n't have any power to remove this item from my credit. I also spoke to a manager which basically verified that they ca n't remove it once it has been reported. 

He offered to remove the fee 's associated with the late transaction and I told him that was n't what I cared about. I cared more about my credit. That is why I am writing you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I have a mortgage with Flagstar bank. In XX/XX/XXXX they increased my payment by about {$40.00} per month, But did not inform me of this until XX/XX/XXXX. I found out by them returning the payments I had made of the amount i believed was correct and adding a ton of fees ( now owing over {$8000.00} ) and threatening foreclosure. I tried many times and many ways to work with them, their loss mitigation and their lawyers. I just received the run around and more foreclosure notices, As they kept saying they were n't receiving enough info even though I resent and had proof they ( all 3 parties ) would tell me do n't worry you have time. Then I had a sale notice on my door for all the neighbors to see. Then in XX/XX/XXXX ( yes only a month since this all began not much time is it? ) and their fees and charges are unreasonable for me to pay and still no answers and just extremely rude if they did respond. I was forced to file chapter 13 bankruptcy just to keep my home. That went through on XXXX ok all good right?? No they are still not accepting payments from trustee adding a ton of fees and now threatening foreclosure again sending bills and letters every week this has put me and my family through so much mental and financial stress its been a year of them harassing for which I believe was their mistake.

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 2017-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been working with Bayview Loan Servicing for 7 months to do a deed-in-lieu on a mortgage i 'm in default in. 

Their most recent reason for the delay is, after asking me, " do you have any liens on your home? '' My response is now yes. Up until two weeks ago, there were no liens on the property. As a result of Bayview draging their feet and failing to respond to request for information for months, my HOA has now placed a lien on my home and says they will be foreclosing on it soon. 

I 've contacted XXXX XXXX and made another good-faith attempt to resolve the lien but ca n't get him to respond in writing. 

I have the money to resolve the {$10000.00} HOA lien but do n't want to resolve it until Bayview says they are willing to move forward with the DIL process. 

They say that they need to " verify my income. '' I 've sent them the same paystubs and bank statement for 7 months. They are consistent and rarely fluctuate. 

They 've endlessly asked for the same paperwork over and over. 

I have plenty of evidence to support that WHEN Bayview actually request information, I usually respond within 24 hours. If I ask for information from them it take weeks and up to a month for them to respond. 

Additionally, I am hearing and speech impaired. They 've refused to make reasonable accommodations as outlined in the Americans with Disabilities act and allow me to communicate via email for for efficient service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I have had a personal loan for several years. It was originally through XXXX XXXX and then was transferred to Ditech. A notice was sent to me on XXXX XXXX, XXXX stating that our loan was being transferred to XXXX XXXX XXXX The notice stated that " Ditech will stop accepting payments received from you after XXXX XXXX, XXXX. '' I called and made a payment to our new servicer on XXXX/XXXX/XXXX and the same day noticed a second charge for the same amount for an ACH payment. I called Ditech and was told the automatic payment was not cancelled. I let them know I am unable to afford a double payment and need this corrected and reiterated that their notice stated no further payments would be collected by Ditech. I requested to speak with a supervisor. She put me on hold and kept checking back with me and asked if I wanted to request a call back which would take up to 48 hours. I told her I needed this resolved ASAP. 

I continued to hold until she let me know her supervisor was now available and said she would transfer me to her. She transferred me and it went straight to a voicemail for a XXXX XXXX. I left a voicemail stating my issues and let her know I needed it resolved ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: TX

Complaint narrative:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX neglected to adequately investigate my claim regarding inaccurate information on my c edit report from XXXX collection and data collection and credit protection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Probably chose the wrong catagory but ... 

Received a phone call today with the caller ID of " XXXX XXXX XXXX '' and number of XXXX. Caller then identified themselves as calling from Navient Corporation. This is to get people to answer the call not knowing it is Navient Corporation and is fraudulent. Debt collectors or any company calling to collect a debt need to provide accurate caller ID info.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collins Asset Group, LLC
State: WI

Complaint narrative:
Collins Asset Group has been sending info to someone with my same name. They sent her a certified letter XXXX/XXXX/XXXX and she tracked me down and sent me a copy of it. 
The letter claims that I owe XXXX XXXX XXXX for 2nd mortgage taken out in XXXX. That mortgage was paid off when I refinanced with XXXX XXXX so STOP TRYING TO SCAM PEOPLE! 

Even if it was owed - they are outside of the statute of limitations on collecting on a written contract! BUT IT 'S NOT OWED! I do n't even own that house and have n't in 7 years. 


Reference # on letter XXXX Collins Asset Group LLC XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX I made {$30.00} XXXX wire transfer to my dollar account in XXXX. I asked for dollars to be send. Despite all assurances that dollars will be sent the bank officer who was the branch manager by away, converted the dollars into XXXX currency charging XXXX XXXX  conversion fee and sent XXXX currency to XXXX. 
As a result instead of receiving XXXX dollars less {$25.00} fee by XXXX bank which is {$29.00} XXXX I received XXXX XXXX which is XXXX loss. 
During the transaction I noticed exchange rates on the receipt and I thought they not supposed to be there because this is XXXX XXXX dollar transaction .I asked the officer why they are there. She said " Oh dont worry about that. I 'm sending dollars .That is there only for information ''. As I later found out that was the exchange rate of the transaction because she was sending XXXX not dollars besides all assurances .And that was the branch manager of TD Bank XXXX XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX 
She lied causing {$1800.00} loss on mu side. 
I made similar transaction in XXXX XXXX for XXXX XXXX dollars that was done correctly. 
The same banks, the same accounts.The one done in XXXX was XXXX XXXX dollar transaction, no exchange rates on the receipts, no mention about XXXX XXXX. 
I spoke to TD Bank customer service also XXXXThey said " they sorry, they understand, they can not help. '' that " I should go to another bank and ask. '' They happy with stolen XXXX dollars I think.They do not intend to fix the unauthorised money conversion.They do n't even admit to wrongdoing even thou I have the proof an a paper. They 're thieves.And fact that this was done by a branch manager, that is just disgrace.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been paying navient for a little more that two years now and my payments just seem to go up. they started at around XXXX for three private student loans and are now around XXXX this is not a significant increase but when I 'm struggling to pay in the first place this makes a difference. i tried talking to them and they told me there was nothing they could do to lower it and the interest rates change so my payment does. I began to look into this more and came to realize that what i pay to my principle balance every month to three loans is around XXXX dollars and the other XXXX goes to interest alone. these loans total to around XXXX dollars. at this rate i will pay them off in about 90 years. this is ridiculous and when i discussed this with them they again said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: IN

Complaint narrative:
Wrote letter to XXXX XXXX XXXX/XXXX XXXX requesting validation of debt and to provide legal validation as required by my state that I have an account with them or any liability to pay them. I do not have any obligations, contracts, agreements to pay and disputed this debt in its entirety via tracked mail directly to the company and they have provided no response validating my request. However they continue to place miscellaneous balance increases to my XXXX XXXX XXXX reports, XXXX has removed this from my reports as it is clearly a violation to report inaccurate information. This is an attempt to resolve this matter without further harm to my credit file and having to take additional action against XXXX and their illegal reporting practices. the last that I saw in my credit files was an amount of XXXX XXXX  which continuously increases little by little. Upon contacting the listed OC - original creditor I did receive a letter saying it has a 0 balance and has been with another company aside of this XXXX XXXX. it reflects a false balance, it reflects false responsibility, it reflects inaccurate dates which affect the Statute of Limitation of the credit agencies. This should be deleted from my file of XXXX  and XXXX as it is in violation of many reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Talbot, Adams, & Moore, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX This company Talbot, Adams and Moore have an account reporting on my credit report that was previously disputed and removed off my credit report. due to that fact i have never done business with this company and would like for this company to remove this collections off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 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: CA

Complaint narrative:
I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.

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