vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I AM CURRENTLY IN FORECLOSURE WITH " XXXX  '' WHO IS A COLLECTION AGENCY AND PER THE FDCPA, " A COLLECTION AGENCY CAN ONLY COLLECT ON A DEBT AND CAN NOT SUE IN THE COURT OF LAW FOR A DEBT THEY DO NOT RIGHTFULLY OWN ''. BECAUSE OF THIS I FILED CHAPTER XXXX ON XX/XX/XXXX. XXXX  AND THEIR ATTORNEY KEPT TRYING TO SALE MY HOME WHILE UNDER BANKRUPTCY PROTECTIONS AMONGST OTHER FDCPA VIOLATIONS TO THE HOMEOWNER! 

MY COMPLAINT IS THAT XXXX XXXX XXXX IS FRAUDLENTLY ACTING AS A " MORTGAGE SERVICER '' HOWEVER THEY ARE REGISTERED IN THE DEPT OF STATE OF UTAH AS A " COLLECTION AGENCY ''. A COLLECTION AGENCY CAN NOT SUE ME IN COURT BECAUSE THEY DO NOT OWN THE DEBT. I HAVE ASKED XXXX  TO PROVIDE VERIFICATION OF DEBT, TRANSFER OF DEED AND NOTE TO NEW LENDER, WITH ALL THE FILES THAT CAME ALONG WITH THE TRANSFER OF MY MORTGAGE ACCOUNT IN XXXX. THEY HAVE NEVER PROVIDED THIS INFORMATION TO ME OR THE COURTS AFTER A JUDGE HAD A COURT ORDER. " XXXX '' IS THE SAME ENTITY AS " XXXX XXXX XXXX '' AS THEY JUST SIMPLY CHANGED THEIR BUSINESS NAME ON XX/XX/XXXX AFTER BEING SUED MANY OF TIMES INCLUDING THE ( FTC ) WHO SUED THEM FOR {$40.00} XXXX DOLLARS. THIS COMPANY CONTINUES TO TAKE ADVANTAGE OF ME AS MY LOAN WAS INVOLVED IN THE SUB-PRIME MORTGAGE FRAUD SCAM THAT WAS COMMITTED WITH COUNTRYWIDE HOME LOANS, SWITCHING TO BANK OF AMERICA AND THEN ALLEDGELY TO XXXX XXXX IN WHICH ALL THREE MISLEAD AND MISCOMMUNICATION MY LOAN DOCUMENTS WHICH WAS THEY THEY WERE SUED. I SAYING THAT I AM IN BANKRUPTCY COURT FIGHING TO KEEP MY HOME IN WHICH XXXX AND XXXX XXXX XXXX XXXX XXXX ( WHO DOES NOT EXSIT BY THAT NAME IN THE DEPARTMENT OF STATE OF DELWARE OR CALIFORNIA OR UTAH ) WHICH MEANS THAT ARE " NOT LEGALLY A BUSINESS BY THE NAME IN NONE OF THOSE STATES '' BECAUSE THE " DBA '' IS NOT REGISTERED OR LISTED. I NEVER SIGNED A CONTRACT WITH XXXX XXXX. MY MORTGAGE IS A MERS LOAN AND IT WAS ASSIGNED A MER MIN #. MY LOAN MIN NO. XXXX IS CURRENTLY LISTED IS " INVALID '' IN THE MERS SYSTEM.

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 2020-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: NY

Complaint narrative:
I contacted debt collector amerassist AR solutions on XXXX, informing them there must be an error with the debt that they are claiming, due to the fact that I was incarcerated from XXXX until XX/XX/XXXX. They informed me that it's my responsibility to pay the debt or they will seize all my assets, garnish my wages etc. I asked them who is the original creditor and they told me its XXXX XXXX XXXX  in XXXX New Jersey. I explained to them that XXXX XXXX XXXX  was brought up on charges for defrauding auto insurance companies for millions of dollars on XX/XX/XXXX, and I am simply one of their victims. I last explain to them that i have original documents from my XXXX date and XXXX  date, showing proof that I never received such XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Established account in XXXX, 2020. Used online banking service ( " OBS '' ) from another institution to schedule payments, which are due by the XXXX of the month, however as OBS did not have ACH information paper checks would be mailed 5 business days prior to address from periodic statements. System worked well for three months whereby payments were received in timely manner. In XXXX of 2020, creditor claimed payment was not received until the XXXX - 1 day late - and imposed a {$27.00} late fee. Submitted dispute to OBS who attempted to contact creditor via two different " customer service '' numbers, without success ( stated wait times in excess of 2 hours ). Same issue occurred in XXXX, except OBS mailed payment so it would be received by the XXXX given XX/XX/2020 was a Sunday ( non-business day ). Creditor claimed payment was not received until the XXXX and imposed a {$38.00} late fee. Again contacted OBS who stated they had continue to make multiple attempts, unsuccessfully, to contact creditor, and asked that I attempt to contact the creditor directly. Submitted online dispute with creditor for the two late payments and asked via online system for name and number of contact for OBS to call and/or for process/instructions for OBS to make electronic payments. Creditor agreed to waive the {$38.00} late fee as a " one-time courtesy '', yet response to multiple requests for contact name/number and/or additional information was simply to contact the creditor via published numbers. Currently on hold with said number for past 60+ minutes waiting to speak with someone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30 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: Eagle Accounts Group, Inc.
State: MD

Complaint narrative:
I attended XXXX XXXX in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with Navient now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX XXXX saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.

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 2020-06-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30 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: AR

Complaint narrative:
I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX CHAPTER XXXX BANKRUPTCY DISSMISSED 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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Sequium Asset Solution, LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I'm making a complaint against Sequium Assets Solution, XXXX XXXX XXXX transferred the collection account to Sequium Assets Solution which is a third party, Im no longer under contract with XXXX XXXX XXXX ... ... ..On XX/XX/2020, I called Sequium Assets solution paid {$290.00} in full, 1st representative told me a paid to delete letter will be mailed to my home within 7-10 business days, never received a letter, called on XX/XX/2020 requested my pay to delete letter to be sent to my loan officer, I'm trying to purchase a home, this has been a nightmare resolving my paid to delete account, 2nd representative said the company will not send a paid to delete letter, the account will showed paid in full through the credit bureaus, I'll receive a letter within 7-10 business days, again no letter was sent, I requested to have the letter emailed or faxed, my request was denied, I was given a reference number to go on the website to receive a letter which will take 24 to 36 hours, it was the wrong reference number ... .. I called on XX/XX/2020, 3rd representative stated the account is paid in full, the company has a right to keep the collection on my credit report for 10 yrs because they are within their right according to the FDCPA, I need to call the credit bureaus to remove the collection a letter will be sent within 7-10 business days Very Hopefully, XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2020-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I never had this debt ... I have asked them to validate it multiple times and they won't ... They keep saying that they sent me debt validations, but haven't ... I asked them to email it to me, they said that they don't have access to email ... Said that they have never had email access ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: GA

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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 2020-06-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2020, I opened a Priority checking account number XXXX. The promotion was to keep the account open for 60 days with XXXX minimum and I will get {$700.00} bonus on XX/XX/2020. On XX/XX/2020, my account number was compromised, so I had Citi to replace my old account number with a new one XXXX. They then canceled the {$700.00} bonus saying my old checking account had been closed!?! 

Because there was no more incentives to keep the savings, I had them close the savings account number XXXX. I left {$25.00} in there to prevent any kind of overdraft. The next day, Citi charged me {$25.00} in bank fees ( even though when I opened the account I was told there was no fee ). Then they charged me {$38.00} in overdraft because I was short XXXX. This is ILLEGAL. 

Please assist.

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 2020-06-30 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: CA

Complaint narrative:
I tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
Are you kidding me, I am so upset at the fact that southwest credit systems claims that they do not need my signature on a contract, every company wether its cell phone service or cable service requires a signed contract from the person who wants its services, the copies of the bills that they sent me arent good to validate this account. By law it is required that a creditor provides the original contract upon request, if I didnt sign a contract then how can this company tell me that this debt belongs to me? Either provide me with the original contract or I will sue southwest credit systems and they will have to provide the court with the contract or any document that says that I opened the account and that I agreed to pay them for these services that I am being charged for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Redfin Corporation
State: TX

Complaint narrative:
Date : XX/XX/XXXX Loan amount : {$350000.00} This is about Home Mortgage. I have borrowed money from Redfin Mortgage. 
Doing Verbal Employment Verification less than 72 hours before closing. No one is prepared for this VOE so short period, my company isnt prepared for this to answer call, Mortgage Relationship officer has misguided me, he told me to transfer Cost To Close money to Title Company before he does VOE. He didnt disclose VOE requirement of less than 72 hours before closing until about 48 hours before closing. I think you need to ensure that this lender must disclose VOE requirement clearly at the first day of loan pre approval. If I knew they needed VOE 72 hours before closing, I could move to other lender. He didnt disclose this because he wanted to sell this mortgage product. 

My loan is approved and closed but It could be a failure. I believe that I am just lucky because Human resource person in my company was available to respond call .Because of the long weekend ( XX/XX/XXXX ), She could be on leave and couldnt answer the call. As a result I couldnt close my home on XX/XX/XXXX. 
I believe that you must comply this lender to disclose VOE requirement ( whether it is XX/XX/XXXX days ) at the first day of pre-approval. This help consumer like me to move to another lender or I could convince my company to dedicate a phone line to answer VOE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: MD

Complaint narrative:
I attended XXXX College in the summer of XXXX. I took out a subsidized loan and an un-subsidized loan to pay for my classes. I was unable to finish the class so I have to repay both loans. Ive been paying for both loans through the loan rehabilitation program since last year. My accounts are with XXXX  now and my payments are in deferral because I attended XXXX XXXX college for the spring semester of XXXX. Now all of a sudden a file shows up on my credit report this month from XXXX College saying the account is derogatory. The new account is a duplicate of the accounts that Im already paying. I need this derogatory account off of my credit report because its inaccurate.

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 2020-06-30 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
My bank was purchased by another bank and changed the account numbers. I attempted to make extra payments on my two Chase credit cards, and the electronic withdrawals were directed to my savings account ending in XXXX instead of the checking account which now ends in XXXX. The beginning numbers are the same. 

I explained the typographical error to the bank, sent them copies of my statements demonstrating there were funds to cover the withdraw in my checking account and asked that the account be reinstated. 

I have made on-time payments to this account for years, this is a random new problem that was caused by a typo. I am unable to change the account numbers myself as access to my Chase account has been frozen. My bank is unable to change the typo for me as the typo is located within the data held at Chase. I explained this problem to multiple Chase customer service agents and none of them changed the number for me. 

Chase send me back letters on XX/XX/XXXX advising, " We are unable to fulfill your request because the account is currently Revoked. '' I do not feel this is fair dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I.Q data is attempting to Collect a debt that I do NOT validate or verify being my debt. In the attempt to collect the debt I.Q. Data has processed a duplicate collection on my credit file with XXXX  credit bureau. According to the FCRA all accurate information must be reported to the credit bureau. In this case the accounts are reporting as a duplicate and inaccurately. Please remove these accounts immediately as it is against the law to be reporting in the manner you have reported these accounts. The account are reporting on XX/XX/XXXX in the amount of {$4500.00} and XX/XX/XXXX in the amount of {$4400.00}. Please remove these inaccurate accounts immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.

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