vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I can not open a bank account with chase. I had an account around XXXX that had fraudulent activity making my account go in the negative and it eventually was closed. Before the closure I reported it to chase as identity theft and fraud as ever since I've graduated high school I have always been a victim of identity theft of anything involving my social security number. I have already reported it to irs, the 3 credit bureaus and the social security office, I also provided chase bank with VALID documentation proving this case about my identity theft with these companies. Yet trying to open a bank account with Chase again now in XXXX and now they are saying it will be closed because of my previous account, which I had already given VALID documentation of my case. I've spoken to loss prevention, fraud, identity and the claims department and I was told that I have basically been banned for life because of that previous account. This is extremely unfair as I did my part to the best ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America is trying to steal my home from me. United States XXXX Veteran who hasn't missed a payment in years. Bank of America has secretly changed my amount of my mortgage stated that a mortgage evaluation was completed and monthly amount went up. This information was never made available nor was an option to pay down the escrow amount to keep my payments the same or lower offered to me. Later I received letters stating that I was in default and that my home would be placed to foreclosure if I didn't make payments. I reviewed my records back to XX/XX/2017and didn't see one missed payment. There is no other conclusion other than they are trying to keep me from paying my home off for ownership and trying to steal my home from up under me. Well I XX/XX/XXXX/XX/XX/XXXXveteran  and I'm not giving up my home without a fight as I was trained at XXXX XXXX, GA. 
COVID-19 is causing people to lose their jobs and not pay their bills I'm currently in an economic crisis like a lot of others but, one thing I  promised my children was that Daddy was going to be able to make sure they always have a place to come home to. I've spoken to several BOA reps since XXXX all the way up through now with absolutely no assistance. I'm in desperate need of help with this matter please help.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hi Macys! Good Afternoon Team! How are you doing this pandemic and Covid19? Hopefully, youre safe and sound! Listen, Im extremely disappointed and shocked because i just looked at my credit again and noticed that the 2 late payments remarked are still reporting on my credit. Remember I called your company directly late XXXX  to ratify the situation and your representatives mentioned that they will submit a request to remove the late payments thats reporting on XX/XX/XXXX and XX/XX/2020. I also remembered when COVID started my bank was closed and I couldnt see the transaction history and I was certain that your company had automatic payment authorization. 


Again, this never had happened to me, and therefore, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: FL

Complaint narrative:
I received multiple calls that are flagged as Robocalls from Allied Interstate. The calls continue repeatedly through out the day even on weekends, as early as XXXX XXXX. As I am not familiar with this company and have not been contacted by them before, I asked that they please mail me a letter regarding the debt so that I may verify. They continued to call the and stated that the collection calls will not stop until I make an agreement with them. On another call I again asked that they please allow for some time for the letter to be received and I would follow up with them and the representative stated they will not stop calling me and will continue calling multiple times until an agreement is made. I feel that they pressure you by calling repeatedly and do not allow you to ask questions or ask to have the information verified.

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 2020-09-29 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:
TransUnion and XXXX  are fraudulent on my following accounts : XXXX XXXX XXXX  is fraudulent on my Account Number : XXXX XXXX/XXXX  XXXX is fraudulent on my Account Number : 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 2020-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANNER CORPORATION
State: OR

Complaint narrative:
In XXXX Of XXXX, I applied for a first mortgage loan from Banner Bank in XXXX XXXX to do XXXX XXXX business with my business partner. The business was to hire veterans and XXXX XXXX  workers. 
The paperwork was handled by XXXX XXXX. I gave all required documents and kept asking if anything I could do to expedite my loan. My emails and phone calls were barely returned and in the meantime my cost of goods ( gold prices ) were up. 
Finally XXXX XXXX told me I could get {$220000.00} based on my income. I agreed. 
Then time went by and no closing of the loan. I contacted XXXX XXXX manager at the branch and explained the situation and she said okay send me your XXXX Tax return which I faxed same day.

Two days later she calls and said I can not give you the loan.

For two months I waited and in XXXX of XXXX XXXX XXXX gave me a HELOC on my free and clear property. 
XXXX XXXX also said we will pay the HELOC and I will get {$120000.00} which I agreed. 
I also spend much money in sending paperwork via postal services and fax costs. 
Please this is not fair as I have lost almost {$500000.00} deposit on the business because of the banks false promises. 
Very Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
Purchased a motorcycle at XXXX XXXX XXXX, for internal commute purposes, and had it financed with Yamaha Motor Finance Corporation as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via Yamaha Motor Finance is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and Yamaha, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with Yamaha Motor Finance Corporation, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the motorcycle i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
This is an account of events as far as I am aware of based on the documentation that I am sending you. 

A Mortgage for the property at as a first deed of trust in the amount of {$470000.00} the full amount of the sale price, at XXXX XXXX XXXX on XX/XX/XXXX. 

On that same day, XX/XX/XXXX, a Stand-alone Second mortgage was recorded for XXXX XXXX in the amount of {$95000.00}. I was not aware that there was a stand-alone second. 

In, XXXX we divorced and Mr. wanted the responsibility of the house, I agreed but added a clause in the divorce that required him to maintain insurance, pay taxes, and mortgage on time. In addition, I stipulated that he refinance to take my name off the loan within two years. After 3 years ( XXXX ) when he did not and was about to go into foreclosure, I sued him for possession, he was evicted and I moved into the house. Mr. had negotiated a loan modification in XX/XX/XXXX with XXXX without me knowing or being involved. 

When I moved back into the house I found a property profile that documents both the XX/XX/XXXX transactions as well as the Notice of Trustee Sale dated XX/XX/XXXX. 

Later when the enclosed piece of mail caught up with my move I received a Substitution of Trustee which indicates XXXX XXXX  XXXX assigned XXXX XXXX XXXX XXXX XXXX XXXX, whose address is XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX CA, XXXX. I had no idea what that was! 


In XX/XX/XXXX I received a letter from FCI Lender Services explaining I owed {$97000.00} to their client XXXX XXXX XXXX who has authorized them ( FCI Lender Services ) to collect on their behalf. I was shocked and immediately called XXXX XXXX XXXX and asked if the was a problem and fully explained the notice/request for payment. The customer service rep explained that my loan transferred smoothly and completely from the previous mortgage services XXXX XXXX. I then called XXXX XXXX and explained the exact same concern, I got the same response there was no problem with the transfer and confirmed my loan details and amounts. 
Now I am getting notices that now say, Foreclosure Prevention Alternatives. 

I do hope you can explain to me how someone The Trustee can take out a stand-alone second in excess of what the house is worth. Wait seventeen years then try to collect from me when I did not take out the loan nor benefit from it?

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 2020-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2020 I was trying to transfer {$20000.00} dollars to my XXXX XXXX  XXXX  account ; XXXX XXXX XXXX  XXXX XXXX. It turns out that inorder to put U.S. Dollars into my account there, it is a differant set of account numbers, then what the account is titled. The transfer was rejected and supposedly sitting in New York. U.S. Bank had put a tracer on the transaction on XXXX XXXX and has yet to return my money. I have been working with US Bank VP XXXX XXXX for the original transaction and follow up. He assured me the money is in NY and nothing to worry about. 6 weeks later and nothing has been returned.

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 2020-09-29 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: NC

Complaint narrative:
Equifax should not be reporting that I am ( 120 ) days late on XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The CMI Group, Inc.
State: ME

Complaint narrative:
On XX/XX/20 I received a phone call from an agent from credit management lp. I called them back and was speaking with an agent. The agent started the call off by saying that I NEED to make payment or this WOULD be reported to the national credit bureaus. I asked a few clarifying questions in regards to the statement the agent was making. I felt very cornered and mislead by being told that I needed to make payment. The agent never asked if I had any questions or if I was disputing the account, which I am. The agent became angry and informed me she did not say that which was not correct. And then she proceeds to hang up on me. I felt abused by this call and that she was using tactics to force me into making a payment. I felt her statements were very misleading and false and felt she was being very abusive. And then to hang up on me. The call was very unprofessional.

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 2020-09-29 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: LA

Complaint narrative:
XXXX collection agencies have been reporting inaccurate information to XXXX, Equifax, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - XXXX, Equifax, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I employee XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my employees jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. XXXX  even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: LA

Complaint narrative:
Four collection agencies have been reporting inaccurate information to Experian, XXXX, and XXXX. These are not my accounts. Yet the Credit Bureaus continue to report the negative information, even though I have done due diligence under the FCRA to prove these accounts are NOT mine. 

I attempted to secure a debt validation via certified mail from each collection agency on XX/XX/2020. All four collection agencies failed to provide debt validation. Furthermore, all four agencies are in violation of the FCRA, as they must provide debt validation within 30 days of my request ( 45 days during this pandemic ). It is over 60 days since the collection agencies signed for my request for debt validation, and they NONE of them have provided the debt validation. 

I contacted each credit bureau - Experian, XXXX, and XXXX  - and explained the situation. Each bureau refused to remove the falFour collection agencies are showing up on my report. These four agencies are repse reporting from my report. 

On XX/XX/2020 I sent a certified letter to each collection agency once again, and each credit reporting agency, indicating that they were all in violation of the FCRA - reporting false information. I sent all agencies sworn and witnessed affidavits ( Justice of the Peace - see attachments ). All entities, including the Credit Agencies, have signed for the affidavit. 

I am a XXXX XXXX XXXX in XXXX Louisiana. I XXXX  XXXX people. Due to the pandemic, I applied for a SBA EIDL disaster loan to save my business, and my XXXX  jobs. I was denied the SBA loan, due to the false reporting of the collection agencies, and the refusal to remove inaccurate information on the part of the Credit Reporting Agencies. 

I have spoken to the Credit Reporting Agencies via telephone as well. These agencies found inaccurate information on my report, such as addresses, phone numbers, social security numbers, employers, middle intial differences, birthdate difference, etc. The Credit Bureaus agreed with me over the telephone that my file had " merged '' with another person of similar name, or that there was perhaps identity fraud involved, where I was the victim. Experian even removed certain items while I was on the phone with their representative. But none would agree to remove the false collection agencies reporting.

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 2020-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
this is who i am filling a complaint on southwest collection service, inc i have received numerous blocked called and calls from this agency, telling me they are going to deport me if i do not pay this debt, i told them i will only pay XXXX i will not be paying XXXX ever! and they said they would not except, so they said if i dont pay the total they would be reporting me to ice agency, but im a citizen, ... i am not sure if i should challange them in court, i would like to settle this and pay half but they said they would not except, he called me ugly and called me ill and said he wanted me to harm myself. XXXX XXXX from southwest collection service, inc is who im filling the complaint against. 

i called the dentist in XXXX XXXX personally and they said the dentist died, so they wouldnt be able to take any money, this is an old cause XXXX i understand this creditor is trying to collect the 10 percent this isnt going to happen. i will only pay XXXX nothing more. i will also be reporting them to fdcpa i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX i have recieved threats telling me they will be reporting me to ice, to come take me and my family, i am ready to sue them! southwest collection service amount {$590.00} interest {$390.00} total {$980.00} creditor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to the Enhanced Recovery Company asking them to validate by signature that a specific invalid debt account was mine as this is not my debt account at all yet it shows on my credit report. I have also previously submitted a complaint to the cfpb as well. They responded that they sent documents including the lease/contract containing my signature. I received the documents but the documents did NOT contain the contract with my signature so it seems like they are now lying and putting this debt on me. The documents basically were only a bill and a summary of what that bill contained. This is extremely unfair as this is not even my debt account

Company response to consumer: Closed with explanation