vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a voicemail from an unknown person claiming to be from " XXXX '' and attempting to deliver to me legal documents. I called the number back and requested that my number be removed from their list. They claimed they did not have a list and they worked with an attorney 's office. They asked me to verify my personal information and then told me they were suing me for a debt that I don't have any knowledge of, on behalf of an institution I had not had a relationship with in 16 years. The representative then told me " don't miss your court date '' and hung up. 

I believe a false claim to file a suit or to file a suit in bad faith to try to collect an account known to be beyond the statute of limitations ( if it was ever valid at all ) would be a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
There is a single late payment appearing on my credit history in XX/XX/XXXX for a XXXX XXXX ( XXXX XXXX ) account as reported to the credit bureaus that I feel should be removed from my history as they had already revised this on my account, even refunding the late charge, but still being reported by them as late. 
At that time I had called to explain my husband 's condition, which had eventually lead to his XXXX in XX/XX/XXXX. 
Based on the full history of this account I believe this single late payment should be removed from the credit reports. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened a checking, saving account together with a credit card application at the XXXX office VA of Bank of America on XX/XX/XXXX!

A few days later, the credit card arrived in a XXXX mail, which was already activated and ready to use! I dont know how that could be possible! So I called up the banker who opened the account for me. XXXX XXXX assured me that as long as the envelope was not open, the credit card shouldnt have any security issue! This message is different from what I learned before! I would like you to investigate the truth behind this message! Thank you About two weeks ago I designate the checking and saving account at Bank of America to be the bank account to receive the loyalty payment directly from XXXX XXXX! My books have been sold hot and people already started to copy the content and style of my books, but I havent seen the loyalty payment at Bank of America yet! So I went to the XXXX XXXX office VA of Bank of America on XX/XX/XXXX to report account fraud claim! The office was open, there wasnt any sign to say that the office was not operational or what! The big Bank of America logo still high on the building! But the people inside doesnt look like a banker! The things they were doing didnt resemble banker either! I would like you to investigate what happened on XX/XX/XXXX at the Bank of America XXXX XXXX office!

Today XX/XX/XXXX I called up the banker who opened the Bank of America account for me in the first place! He said his last name XXXX but declined his first name XXXX! When I asked him to transfer my call to the fraud department, he said he can not do that! Could you please investigate why he wasnt able to be himself and do his job?

I would like to charge Bank of America for employee-involved account fraud! There are millions of dollars deposits was erased from both my checking and saving account! The technology to retrieve all the data is handy! I would appreciate your help and justice!

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX, XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XX/XX/XXXXand should have never been assigned to them for collection. XXXX XXXX XXXX   is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXXafter the account was discharged in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
This is a crazy story but Wells Fargo went well beyond to steal this home from me. They foreclosed on me in XX/XX/2015. First being a combat wounded veterans I was going through a ton of XXXX XXXX and on over XXXX XXXX and considered XXXX XXXX XXXX.

Wells Fargo stopped accepting my XXXX home insurance and I was never notified so they brought on their own company causing my mortgage to increase by several hundred dollars. I had a rentor in my home paying the bank directly since I was not able to not knowing the increase in the mortgage. Well when I was healthy enough I tried to apply for mortgage assistance and Wells Fargo flat out refused. I ask for help from the VA leaving countless messages and they never helped to intervene. Giving the circumstances I feel Wells Fargo used my XXXX  against me to acquire this home which was the only home in the neighborhood with an extra plot of land 1/2 acre of land vs a small backyard. It was the most valuable home in the neighborhood. In addition, every mortgage payment I tried to make to catch up, they just returned back to Me which was even more weird. I feel they were trying their best to forcefully take the house away from me and in the end, they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Midwest recovery systems showed up on my credit report in XX/XX/XXXX for {$1200.00} from XX/XX/XXXX I have not lived in Missouri for over 15 yrs. and I have no outstanding debts in Missouri. I want this removed from the credit bearau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I attempted to pay this medical provider last XXXX. NJ State law prohibits them from balance billing. Pressler & Pressler 's replacement firm, XXXX, XXXX XXXX   XXXX, which practices the same way at the same address and with at least one of the same people as Pressler & Pressler, filed a complaint and request for judgment.

1 ) I don't owe them this money.

2 ) They and their client know I don't owe this money, and it is in fact included in their supporting paperwork with the legal action.

3 ) Their client never cashed the first check I sent, but I have record of sending the check.

4 ) They are trying to say they can only put my case on hold if I pay them money, even when I inform them again that I do not actually owe them money.

5 ) My insurance company has confirmed I do not actually owe them money and reissued the check their client never cashed. 
6 ) They are claiming they can put the case on hold without notifying the court, which is untrue.

7 ) It costs me money in the state of NJ to file an answer.

8 ) I'm getting married on XX/XX/XXXX, and going to be out of the country. I am extremely stressed out and this is making my life unmanageable. 
9 ) This has already cost me a whole lot in lost opportunity and time.

10 ) I'm a health policy expert who actually knows the laws and my rights, and I am completely sure they are also doing this to other people.

11 ) Their paralegals are breaking the law on a daily basis, even with me.

12 ) None of their " lawyers '' will even talk to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
Asked for verification of debt, received paperwork that does not constitute verification that the debt is mine ( ie just a print out with my name & PO Box on it, nothing to substantiate the debt belongs to me )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received an " IMPORTANT PRIVACY CHOICES '' from you, " ally '', sent to my address using my name. You are not affiliated with anybody with whom I do business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX reported a debt ( {$140.00} ) to my credit report as an unpaid debt - chargeoff/write off. It has negatively effected my credit. I have never done business with this company, nor have I ever heard of them prior to when I tried to fix my credit. 

I learned about this erroneous notation on approximately XX/XX/2017, i hired a credit repair company to dispute this entry and have it removed but they will not budge.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I had a checking account with US Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by US Bank. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, US Bank added 6 overdraft fees ( NSF ) for a total of {$220.00}.

In mid XX/XX/XXXX I receive a letter from US Bank stating the account was in negative balance. The same day I received the letter I went to my local US Bank branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted.

I did not hear back from US Bank until early XX/XX/XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted US Bank again and the claim has been re-initiated, but I do not have confidence any action will be taken.

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from US Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My mortgage payment was changed due to what they believed to be an escrow issue. I pay my property taxes out of pocket each year. Roundpoint mortgage raised my mortgage payment to cover this " escrow issue. '' I called them as soon as I got may statement and spoke to them. They did not know what was going on and told me not to pay my mortgage until it was resolved and they would call me back. 90 days ( approx ) later I called back since I had not heard anything. They still did not know what was going on, I paid my mortgage ( the higher amount ). I continued to pay the higher amount after continuously calling in to see what was going on. In the meantime, they reported a delinquency to the credit agencies which ultimately lowered my credit score and cost me a deal on a rental property I was bidding on and a potential higher rate on an auto loan at the end of the month after my lease is up. This is after they told me they did not report it to the agency that they just sent me a letter. These calls are all recorded from my understanding. I have never had anything like this happen to me. My credit prior to this was XXXX-XXXX  and it lowered my score to XXXX-XXXX. I have never been delinquent on my mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This complaint is against Mr Cooper.

Loan # is : XXXX   Property : XXXX XXXX XXXX , XXXX XXXX Ca XXXX. This is my place but all correspondence should be at XXXX XXXX XXXX, XXXX XXXX Ca XXXX or email : XXXX. My cell phone is : XXXX XXXX XXXX.

I bought this home around XX/XX/XXXX. The house is currently. The lender has claimed I did not pay my supplemental taxes. I disputed and provided ( fax & email ) to the lender. I even complained to the lender, it's not my fault. Someone at the company screwed up and now they started to impound my account for property taxes. I pay my property taxes in full on time. I have been calling every month or so with no response. The last person to help me and sound promising was at XXXX XXXX XXXX. She was helpful and even followed up but then went COLD. The woman claimed the funds from County have been released XX/XX/XXXXand should not be impounded any more. I have called the number several times with no response. Mr copper sent me a legal response on XX/XX/XXXX stating they are investigating this matter. No response so far. My loan was sold to Mr Cooper. Last XX/XX/XXXX I sent email via their web site and they have not even responded to date. This kind of behavior should be penalized. I am on auto pay and have never ever missed a payment.

I even called today before connecting with you guys. They connect me to the XXXX  phone number and eventually disconnects with no answer. Can you help?

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo bank charges an extra balance inquiry fee on top of the regular non-network fee for using a non-Wells Fargo machine. I have never seen that fee at any other bank before. Also ATMs in XXXX usually ask if you want to do a balance inquiry first before the transaction occurs. I always answer no. Wells Fargo charges the fee anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: WI

Complaint narrative:
They sent me receipt that debt was paid but continue to call me stating the debt is not paid. When I sent them receipt that they sent me asking for explanation they now stated that my bank took back the money. This debt is paid in full and I don't owe them any more money but they continue to call me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: IN

Complaint narrative:
Chase sent me a letter on XX/XX/XXXX stating they are closing my checking and credit card accounts. I opened credit card in XX/XX/XXXX and opened checking in XX/XX/XXXX. 

The explanation is painting a relationship with me may " potentially cause reputational risk ''. 

I work in a legitimate field. I do not take illegitimate risks. I pay my bills on time. I maintain my account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have 6 inquiries on my report. I contacted the companies to have them removed and they told me to contact the bureau to have this taken care of as they could not. I contacted XXXX  and they removed the inquiries within a week with no problem and I placed a fraud alert on all of my accounts.

I then contacted Transunion and they refused. Informing me that the companies had to do it. So they are sending me in circles with no resolution or willingness to assist me. Only refusal.

The companies are as follows : XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
Hello, thank you for being a resource to help. I have been trying to get this debt removed from my credit reports. I have contacted the collection agency and they have not been helpful, I explained this is not my debt. I contacted the credit bureaus ( all 3 ) and each time I challenge the debt the collection agency removes it ( too skirt the FCRA ) and then place it back on days later. They have done this at least eight times. Probably more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I deposited a check with Bank of America for {$3200.00}, I received the check from a lawsuit settlement, the deposit was made via ATM. For some reason bank of America placed a hold on the funds untilXX/XX/XXXX. I called several times and received a different answer each time as to why the funds were on hold for such a long time, each answer sounded like a rehearsed script. On XX/XX/XXXX I emailed the settlement administrator and on the following day, XX/XX/XXXX, I received an email from the settlement administrator stating that there bank released the funds to bank of America on XX/XX/XXXX. But bank of America still refuses to release the hold.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Account Control Technology, Inc.
State: MA

Complaint narrative:
I spoke with a representative from Account Contol Technology in reference to my federal student loan. The amount I owed initially was {$1700.00}. I agreed to take a settlement amount of {$1200.00} on XX/XX/XXXX the agreement stated I had until XX/XX/2018 to pay the agreed upon amount. The following month my wages were garnished and have been since XX/XX/XXXX. I contacted my employer and was advised the amount to be garnished ( based on the paperwork received by Account Contol technologies ) was actually the full amount. I have since satisfied the agreed up amount and Account Control Texhnologies is refusing to issue a stop pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I Had opened a loan amount of XXXX at TD bank in XXXX   where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.

Company response to consumer: Closed with explanation