vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
THIS IS NOT the same case #. SEND TO CEO of CFPB, now..1st, and importantly "I NEVER asked for a $XXXX (XXXX XXXX XXXX XXXX XXXX-JOKE) to settle, $XXXX(XXXX XXXX XXXX XXXX dollar including Predatory lending.  
I sent all case numbers to CFPB and once again CFPB went back to Bank Of America (which IS the LAST who purchased the "LOST/Damaged,etc, Loan, I was never given or seen Chain of  TITLE from BOA Ever given to me and BOA still did not furnish the title. 
 BOA still claims they did everything right BUT according to the Judgement. That judge  didn't know of lost mortgage,etc. nor knowing my husband (XXXX since 2004,no probate) which means I NEVER OWNED IT,dollar rights were in my husbands name and it NEVER went to Probate,was told by XXXX wasn't need'd!  My loans were sold down to BOA DAMAGED and Falsely foreclosed on due to constant Selling down to the CURRANT buyer, BOA. BOA  believe's they WON the case cause using FALSE documents,fancy legal terms (smooth talking to judge)  My attorney  wasn't aware of the " DAMAGED LOAN"  that was bought by BOA,it was my discovery So BOA feels they won this case (i'm sure many other's and put me through XXXX and still INSULT me by suggesting I WOULD LIKE $XXXX !! Look at all papers,and recent CFPD article stating the wrong doings. I will end with this,all damages( including, punitive damages) I Will close this case with $XXXX.  *NOT $XXXX* I will have no option but to re-open the case if necessary and have it taken to Higher court due to BOA is Insulting my knowledge and intelligence due to not know the "legal terminology(so they think)  -I WILL NO STOP until I GET JUSTICE of BOA wrong doings

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 2017-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I sent a letter to this company dated : XX/XX/XXXX requesting debt validation the Fair Debt Collection Practices Act ( FDCPA ). I have not received any validation documents from this company to date. I wrote to them : To refresh your memory on what constitutes legal validation, I am giving a list of the required documentation. 1. Complete payment history, the requirement of which has been established by XXXX V XXXX, XXXX XXXX XXXX ; XXXX XXXX. XXXX XXXX XXXX. 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 3. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX v. XXXX XXXX XXXX, XXXX, XXXX WL XXXX ( XXXX, XX/XX/XXXX ) Information relating to the purchase of a bad debt is not proprietary or burdensome. The debtor must phrase their request clearly to obtain : The source of the debt and the amount a bad debt buyer paid for plaintiffs debt, how the moment sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on the defendant to collect a debt. 4. Intimate knowledge of the creation of the debt by you, the collection agency. None of this requested information has been sent to me. They did not send me any validation document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has once again reordered my deposits, debits and credits in order to issue me a XXXX overdraft fee for being XXXX overdrawn in my account when a XXXX automatic subscription debit went through. I have previously complained about this and was given refunds for some of those fees. I have since had the issue repeated twice with Chase and I have called and had it removed in the past. After my previous complaint, Chase revamped their app to prevent people being able to screenshot their bank accounts from their phone but I am still able to do this on my computer. Every Friday morning I take a screen shot after my check has been direct deposited and then again later that day to compare how they order my account in order to make money off of me. This time I feel I need to AGAIN file a complaint with the CFPB because Chase does not seem to understand that what they do is wrong and I keep a very watchful eye on them after the hundreds they have cost me in the same situations. Attached you will find screen shots with the date and time in the lower right hand corner to show when they were captured and show a reordering of debits and credits. Chase does n't not generally issue overdraft fees on balances of XXXX or less, I feel this really walks the line to issue me a XXXX overdraft fee on a XXXX charge that left me only XXXX in the red on payday. I want it refunded and my solution in the future is to obviously close my account with Chase and move to a different bank as my best interests as a customer are not in Chase 's interest at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We have been participating in a lender approve short sale previous through XXXX XXXX XXXX and now through Carrington Mortgage Services since XX/XX/XXXX. Our loan was previously sold to Carrington from XXXX XXXX XXXX in XX/XX/XXXX while in negotiation for a VA Approved short sale. As part of the loan package a loss draft insurance claim that was issued in XX/XX/XXXX was given to Carrington mortgage Services identifying roof replacement as the single cause to damage to our property. Due to the hardship that has fallen upon our family we have been unable to replace the roof with out in any assistance from the insurance company. Upon notice of transfer of loan in XX/XX/XXXX we informed Carrington of our short sale status and the roof claim. Carrington inform us that they did not have the complete package from BOA so that could not issued or find the claim. The potential buyer 's insurance company would not issue a new policy on the house without the claim being settle, so we unfortunately loss that buyer ( Buyer1 ). In XX/XX/XXXX we contracted another buyer ( buyer2 ) to purchase the property. We confirm we Carrington Mortgage Services, that we had a purchaser, we receive approval for the short sale. Carrington Confirm that they have received there paperwork, and could issue the check for the roof. As of XX/XX/XXXX. No check had been issued. Our second buyer cancel, due to no policy being able to be issued on the property with a pending claim for roof again. We contacting Carrington again they told us they were processing the claim but need more information for the insurance company. We engage the buyer again, ask to come back in to the contract and give us more time. We were given an additional 15 days to close. As of XX/XX/XXXX Carrington still had not issued the partial payment for the insurance claim needed to get the contractor start to repair the roof. The buyer cancel again .... We now have engage a third buyer ... based on the same approval given by Carrington set for a closing date of XX/XX/XXXX. At this time Carrington sent another appraiser out to visit the property for a liquidation sale as of XX/XX/XXXX. Carrington and XXXX XXXX XXXX while approving us for the short sale, did in every instance avoid allowing us to sell the home. They intentionally held up the issued claim that has cause us to lose a total of XXXX contracts. If they did not intend for us to sell the home, why have they put us through so much grief and inconvenience. We only ask that we be allowed to sell our home. Please Help US, we have done everything they ask. the amount of XXXX and grief this has cause of family is enormous.We just want to be able to sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cornerstone Holdings, Inc.
State: OH

Complaint narrative:
Account was opened on  XX/XX/XXXX  in  XXXX , alaska the collections address and name :   XXXX   XXXX   XXXX   address :   XXXX   XXXX   XXXX    XXXX  AK   XXXX   We moved out on  XX/XX/XXXX  and the account opened on XX/XX/XXXX and the balance currently is {$260.00} the person paid 42 % of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been receiving numerous credit card offers by mail, from Capital One, which gave me false pre-approval odds. I applied to the offer enclosed in the mailing, and was denied. I believe it took a hit to my credit! I only applied due to the many offers I received!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I got a loan with Goldman Sachs for XXXX. The percentage agree upon was XXXX. But they are taking right at XXXX dollars for ever XXXX XXXX XXXX towards interest. That 's 25 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX, I had a lengthy dispute with XXXX XXXX about a charge that they claimed that I owed. Subsequently, this account was turned over to to XXXX. XXXX, XXXX, a collection agency. I then sent XXXX. XXXX a standard " Truth in Lending '' letter, XX/XX/XXXX, asking them to provide me with particulars pertaining to my alleged debt. Shortly thereafter, I received notification from XXXX. XXXX, XXXX, notifying me that they were withdrawing the demand payment. The information was also removed from my credit report. Then in XX/XX/XXXX, after routinely requesting a free copy of my credit report and to my surprise, there was a " Public Record Item '' on the XXXX report indicating that the account with XXXX XXXX was listed with Stellar Recovery , Inc., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT, XXXX, account # XXXX. The amount owed is {$250.00} and the date opened was XXXX, first reported XXXX and was past due as of XXXX XXXX, showing a recent payment of {$70.00}. This was surprising because I had not any correspondence with anyone regarding XXXX XXXX, since the letter that I wrote to XXXX. XXXX, XXXX in XXXX. This was the first notification of any type that I received from Stellar Recovery, Inc., or anyone else, pertaining to this alleged indebtedness. I appreciate your help in getting this matter resolved. Thank you, 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 2017-07-29 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 submitted a dispute to Trans Union requesting the deletion of XXXX tax liens on my Trans Union Credit Report. On X/XX/17 I received a notice from Trans Union that they have confirmed the tax liens as verified and would not be deleting from my report.
The liens in question do not have all the necessary data verification points as now required by the National Consumer Assistance Program as it does not have my DOB and the SS # is incomplete. These should be removed 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 non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
This complaint is regarding two debt collection attempts from Medical Data Systems. Medical data systems is reporting two open accounts 1. {$1200.00} from XX/XX/XXXX, 2. {$180.00}, on XX/XX/XXXX XXXX, XX/XX/XXXX -XXXX/XXXX. I am disputing this information because I am unaware of where the debts are from, and I have requested debt validation a number of times and they have yet to provide that.I have no signed contracts and have never done business with Medical Data Systems. Furthermore, I receive constant phone calls and even threats from several different numbers associated with this company on an everyday basis. I have had to have several numbers blocked from m
y phone provider because of the harassment. Phone calls continue despite the request to end. Most  recently XXXX XXXX, 2017.
Lastly, this company is not able to tell me how and where they got my personal and health information and I feel this is a violation of my rights.

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 2017-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
I went into a car dealership in early/mid month of XXXX 2017 to finance a vehicle. But the car I wanted was sold so the finance lady showed me a XXXX XXXX XXXX which was {$16.00} & And a XXXX XXXX XXXX  for {$7900.00}, & I was to put {$1000.00} down payment & I put a {$100.00} to hold the vehicles until I got a word back on if I was approved for financing. So she called me to come in to talk about rates next day. And when I showed up she showed me approval for the cars and they up the prices for the XXXX XXXX from {$16000.00} to {$20000.00} with {$5000.00} down & the XXXX XXXX from {$7900.00} to {$10000.00} with {$2000.00} down. & I told her I could n't do the down payment and would try to do {$2000.00} for the XXXX XXXX. so I signed a Rmv-1 form to bring back with insurance stamp & down payment but I could n't get the other {$1000.00} down. So we did n't go any further with the transaction or paper work and never took possession or registered the vehicle & come to find out the dealership fraudulently signed a contract with a Electric signature and sent a contract over to the bank which I have called and informed them that the contract was not signed by me I 've never seen or even got a copy of any contract and they refused to cancel the contract. After contract multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Toyota credit- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received a letter from XXXX. The debt was under a different name right mailing address with wrong zip code. I wrote them disputing the debt but they say it 's valid. I have no knowledge of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and Portfolio recovery is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 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: MA

Complaint narrative:
XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

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 2017-07-29 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: MA

Complaint narrative:
XXXX XXXX sued me in a Masschusetts court for an alleged debt that they claimed to have purchased from XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX/XXXX/2017 of this year a Massachusetts judge dismissed the case in court and XXXX XXXX is still reporting this collection account as Valid. I have already emailed them about it and they continue to do nothing about removing it from all credit reports. The are in violation of the law and I want the collection account removed from all reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc.
State: MI

Complaint narrative:
I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Transunion to update my address and have some inquiries removed from my credit report.I was told that the items take 25 months to fall off but as a courtesy Transunion will remove the items at month 24.I ended the first call with no resolution .I called again on theXX/XX/XXXX to dispute those three items on my report that I had no knowledge of, instead of being helped I was told again that the items fall off in 24 months My credit score should not suffer for inquires on my credit that I did not approve.
Inquires in dispute XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2017-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX- 13 year old account still hanging with on, should be eliminated.
Numous letters and disputes XXXX has been paid off for many years I'am a two time XXXX XXXX with a XXXX XXXX and XXXX XXXX and the CEO does n't give a dam about individuals who are XXXX and some of these events occurred during this period of time. I have documented paperwork to provide stating my XXXX and still the CEO will not respond.

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 2017-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, 2017 my bank balance was {$1.00}. I then was charged XXXX for an over draft fee and the balance became - {$33.00}. There was nothing returned and no reason for the over draft because nothing went through that day other then a return fee of {$35.00}. I called and talked with a teller but they could not explain why. There was no reason for this charge.

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