vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
Servicer refuses to acknowledge a XXXX XXXX XXXX exempted assumption. Ability to repay or not has no bearing on XXXX  assumption and XXXX or the servicer can not deny a XXXX  assumption for ATR or creditworthiness. They are either unaware that their policy is illegal, not following their own procedures or purposely disregarding both. 

12 CFR Part 1026 Regulation Z interpretation : " the creditors written acknowledgement of the successor as obligor is not subject to the Bureaus Ability-to-Repay Rule ( ATR Rule ), 1026.43, because such a transaction does not constitute an assumption as defined by Regulation Z 1026.20 ( b ) '' " Unless the change satisfies the definition of an assumption under 1026.20 ( b ), a change of obligors does not trigger the ATR requirements under 1026.43. " https :  //www.federalregister.gov/documents/2014/07/17/2014-16780/application-of-regulation-zs-ability-to-repay-rule-to-certain-situations-involving

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: KEYCORP
State: CA

Complaint narrative:
On XX/XX/2019, I had another confrontational and unproductive conversation with XXXX with the so called executive department. She has continued to discriminate against me, mispronounce my name, and repeatedly use the infuriating phrase, " I'm sorry you feel that way. '' In response to their gross, and continuous errors. She has continued to discriminate against me, based on my XXXX last name, intentionally misprounouncing it, belittling me, and refusing to assist me based on her clear XXXX, and bigoted views. She constantly brags about not having a manager, and she can do whatever she feels, repeated hang ups and provocations on her end, and her blatant and misguided intolerance. I had a simple debit card dispute which has turned into pure warfare, waged against me based on my last name, clearly, and XXXX status, which they know from viewing my account. XXXX has waged war against me, a simple banking customer, because of my didabled status and last name. I'm unfortunately very familiar with these bigoted attitudes, stemming from the XXXX area, as I've been a resident in this about one year ago. The rest of the country doesn't share and condone this type of bigotry. Why does Key Bank? Because, anyone left to their own devices, with no direct XXXX can and do say whatever they Please. No matter how XXXX, bigoted, intolerant and mostly, XXXX. As I have witnessed first hand in my unfortunate interavtions with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: N.A.R., Inc.
State: UT

Complaint narrative:
North American Recovery and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase closed all my three checking accounts and three credit card accounts without a reason on XX/XX/XXXX. I contacted customer support to find out the reason is nondisclosure. I visited Chase branch to try to figure out what was wrong causing Chase to " Stop the relationship '' with me. Even the Manager at the branch was unable to find out the cause leading to closing. 

Fast foward to XX/XX/XXXX, an application for a chase card was submitted. Chase once again, denied the application with only one reason undisclose previous unsatisfaction relationship. When I tried to contact chase customer support just to get the same answer, Chase decided to cancel because the bank wanted to, not for any reason. Until now, I have no idea what was wrong causing all my accounts was closed. All I really want to know is the real reason or reasons and what can I do to clear the " previous unsatisfaction relationship ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY

Complaint narrative:
I took a {$40000.00} student loan from Wells Fargo ( formerly XXXX ) in XX/XX/XXXX. I started making repayments, over and above the suggested regular payments, from late XX/XX/XXXX and had repaid roughly {$30000.00} of the then {$46000.00} principal by late XX/XX/XXXX. I haven't made any repayments since XX/XX/XXXX ( ie, for more than eight years now ) because the next suggested repayment date after my last repayment in XX/XX/XXXX was  XX/XX/XXXX and I was under the impression that interest would not accrue on the remaining principal of about {$16000.00} while I am not making repayments. The online statements available on Wells Fargo website also did not show any accrued interest, which confirmed my view. However, when I recently dug into my loan details, I figured out that interest had been accruing and amounts to a whopping {$5700.00}. This takes my total outstanding obligation to more than {$22000.00}. 

I called Wells Fargo customer service on XX/XX/XXXX and requested them to consider waiving off the accrued interest because I was misled by online statements. The customer service rep registered my case and assigned a Wells Fargo analyst for follow up. The analyst did follow up on XX/XX/XXXX but could not offer any relief and my outstanding obligation remains at more than {$22000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several accounts reporting on my credit file that does not belong to me. I have sent the credit agencies letters to dispute these accounts. The listed accounts are reporting as a result of identity theft. Please remove the following accounts and incorrect information from my credit file : Incorrect Name : XXXX XXXX ( Equifax ) Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, ( XXXX & XXXX ) Identity Theft Account : XXXX XXXX XXXX XXXX ( XXXX   & XXXX ) Identity Theft Account : XXXX XXXX XXXX ( XXXX & XXXX ) Inquiries : XXXX XXXX  XXXX ( 2 Times ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( 3 Times ), XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
We deposited a check 42 days ago now the funds are still on hold due to a missing endorsement we have called and tried to get answers everyday and we only get the run around 42 days seems really excessive especially when they can not tell us what step of the process they are in or what their next action will be

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Back in XX/XX/XXXX I was behind on my mortgage payment, I had a true hardship The amount owed as of my statement dated on XX/XX/XXXX was for XXXX. I went to a HUD approved agency I met with a housing counselor and they were able to assist me with reinstatement funds, the agency send a payment to Citi mortgage on XX/XX/XXXX for the amount of XXXX. On XX/XX/XXXX the check was returned back to the agency, they stated that they did not know what account to post the check to, the check was sent back XX/XX/XXXX and the check had the loan number circled, XX/XX/XXXX XXXX received notice from the foreclosure law firm that the loan was in foreclosure. and she was sent a reinstatement figure of XXXX with a due date of XX/XX/XXXX, XXXX was able to pay the amount on XXXX to stop the foreclosure, the agency never received the money hat they had sent of XXXX. I called Citi and they stated that the check was received after XX/XX/XXXX and that was the date that the foreclosure was filed. Called today and they can not tell me if the monies was posted on to 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 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Miller, Stark, Klein and Associates
State: OH

Complaint narrative:
I have been receiving numerous calls daily about a debt owed by someone with my last name. I do not owe this debt. I have asked them repeatedly to stop, but they won't. They leave messages on my phone telling me that " I better take care of this debt ''. They imply that dire consequents will happen if I don't. These call have been going on for months. The last call was on XXXX XXXX. Some days I would receive more than one call. I know that these calls are coming from XXXX XXXX XXXX XXXX  in North Carolina. I also know that this law office has a " D '' rating with the XXXX. The calls come up on my answering machine with my local XXXX area code. Obviously, this is a trick to encourage me to answer the phone. I want to take action to get them to stop ; legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
mcm refuses to report payments to credit report XXXX  XXXX is charging for a credit card that we did not sign up for or recieve

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a 48 month lease with US Bank on a brand new XXXX I am selling my to a private party ( Lease is 5 months old ). Us Bank will not give me the payoff without the taxes included, and will not release the Title unless the taxes are paid at time of payoff to them.

This is ILLEGAL in the state of California via XXXX XXXX and XXXX in addition to publication 34. It states I have 10 days to transfer Title to a 3rd party who is responsible for paying the taxes. In addition to being illegal, I am selling the vehicle for less than I owe which means I am responsible for more tax than is actually owed at the time of sale to a 3rd party. I have stated this to US Bank and they told me tough luck.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting for the same debt on my credit file. This is in clear violation of the FCRA. This double reporting is affecting my credit and needs to be fixed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone opened a Capital One credit card under my name and charged { {$3400.00} } in  which I discovered within my credit reports. I do not have any credit card accounts with Capital One. I disputed it with the credit bureaus and also contacted capital one VARIOUS times informing them that I had file an identity theft report with the FTC. I have been disputing this with them since XX/XX/2018. This prompted capital one to finally respond to me stating that they don't feel that I suffered and identity theft and do not feel that the account was opened fraudulently therefore they would not take any action. They have repeatedly sent me the same verbatim notice and they have done nothing in the matter except ignore me.The credit bureaus have responded to me and they have issued a fraud alert and freeze on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX   XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: NC

Complaint narrative:
DISCOVER HAD FAILED TO UPDATED MY CREDIT REPORT AFTER I GOT DISCHAGED FROM MY CHAPTER XXXX BANKRUCPTCY ITS STILL UPPDATING AS A NEGATIVE REMARK ON MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I have XXXX stuck in my cash app account, Im not able to deposit my money to my card ; send or receive money. I have went about contacting them many times and they send me the same email saying my account has been closed. They have no telephone number just an email and I get the same automated email every time. I need my money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: LA

Complaint narrative:
I had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..

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