vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: DC

Complaint narrative:
I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 

1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 
2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and I.C. systems, I'm enforcing my rights and demanding they CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ) 3 ) I as a consumer have the right to PRIVACY and I.C. systems violated 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. 
without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT. 
I the Consumer/Beneficiary demand  account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section. 
Reference # 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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Citibank continues to charge me overdraft fees after posting messages on their site that they will no longer be doing so. 

I try to keep a positive amount in my account, but Citibank can take days for charges to clear. If i miss, it will only be for a few hours and for less than {$10.00}. It happens once or twice a month. I will check the account, add up the pending charges, put money in, and yet somehow I go negative. 

At the same time, Citibank keeps posting this message on my account " Citibank ends overdraft fees '' while they clearly charge me {$35.00} every time it happens. When I call customer service, nobody seems to know about this policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX I am a Bank of America customer i filed an complaint on my account for serious transactions high dollar amounts in short periods of time i pleaded to BofA to investigate and i put a claim in on XXXX XXXX XXXX totaling over just {$6000.00} from the XXXX XXXX XX/XX/XXXX in those 10 days alone there were that many transfers allowed from my debit/checking account to transfer into my wife 's XXXX XXXX account i tried explaining i tried refiling and they never showed me proof of anything they did to investigate I have had fraudulent transactions since then including the complete takeover of my account and more transactions of transfers out of my account to 3rd party accounts after they denied my 2nd claim I had already lost so much money to this bank it has nearly put me out of business and out on the street LITERARY! I did everything correct i appealed and showed proof that I had no access to this account that was in my wifes name from XXXX XXXX and that it was impossible for my wife to have made these transactions due to the fact she was incarcerated at that time. So unless they started Banking from XXXX XXXX XXXX she coul n't have made these transactions. I thougtht all was lost on that money and when it happened again I nearly gave up. That is when I contacted council and they showed me that I have rights and I should exercise them because of being railroaded by BofA SO MANY TIMES IS NOT ACCEPTABLE!!! So the grand story is this I have had fraud on my bank account done a total of 3 separate times this year. After my second claim was denied and I informed BofA that i had retained council that they credited my account for the fraud done in XX/XX/XXXX and XXXX same account same checking account same XXXX XXXX account for {$2300.00} in 24hrs and then 1 last time XX/XX/XXXX for {$500.00} that is ongoing but has been credited back to my account. In summary I tried and tried the first time that I was defrauded I was issued the same letter twice that said the transactions were done by myself or someone authorized to use my account, that is all they told me after all the information i sent and the appeals they would respond that my claim was closed and that was it, well I disagree with this outcome and i won't be satisfied until something is done about the way BofA handles a customer that they are responsible for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
XX/XX/2022 we received the last quarterly bill for our building. I promptly forwarded to the escrow company that bill with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} for Unit 1 by XXXX. 

The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed. 

I've contacted the escrow company multiple times and no response has been received from them. We have now ( XXXX ) received a late bill from the city with interest for the unpaid balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: TX

Complaint narrative:
ExperianXXXX  reports inaccurate and false information here are the following : XXXXXXXX XXXX XXXX TWO ACCOUNTS : LAST REPORTED XXXX XXXX AMOUNT OF {$720.00} XXXX AMOUNT OF {$2600.00} XXXX XXXX XXXX XX/XX/XXXX ACCOUNT # XXXX U.S DEPT OF EDU ACCOUNT # XXXX XXXX {$2100.00} XXXX {$4200.00} US DOE ACCOUNT # 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/22, I received a text from chase bank stating someone was attempting to make a {$1500.00} XXXX  transaction. I did not respond. Then, I got a call from a chase phone number. The caller said he was from chase fraud and was calling about my account ending in XXXX  He said a transaction for {$1500.00} was going through and asked if I authorized it. He had my account balance leading me to beleive he was from chase having my account number and exact balance. He walked me through how to credit my account with XXXX to ensure my account would not be wiped out only leaving me {$20.00} something. Little did I know I was sending the money. Chase will not help eventhough this person had my account information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
I applied for Milestone credit card around XX/XX/XXXX upon receiving a pre approval letter. I have yet to recv the card. I have a physical and a mailing address that were provided to them, I am receiving all my of important and junk mail at both addresses but still no card. I called in XXXX and they reissued another card on XX/XX/XXXX. After several weeks I called again, they reissued on XX/XX/XXXX. I called on XX/XX/XXXX spoke to a rep by the name of XXXX id num XXXX and she has ordered yet another card and has provided me with the last 4 of the account num XXXX XXXXMeanwhile on my credit report it is racking up fees, reporting XXXX of a XXXX balance. The company states they dont do expedited shipping or have any resolution outside of mailing yet another card. Im not sure what they are up to, but it should not take 4 months to get a credit card in the mail. This week I have also sent a certified letter to the credit card company as well as alerted the XXXX. I asked can they close and remove account from my credit report, they stated no it would show as a closed account. I have other major credit cards and this is by far my worst experience yet!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
COVID forbearance emergency - our mortgage companies will not work with us on a modification, but instead want to short sell or foreclose. 

My wife and I were hit hard financially during COVID, I lost my company and all ability to earn money. We entered into a COVID forbearance program to alleviate some hardship on our family. We extended the COVID forbearance for the full 18 months and immediately began the loss mitigation modification process with both of our mortgage providers, we have a primary and a home equity. 
The primary mortgage was sold to Rushmore Loan Services prior to our forbearance ending so I have no history with this company, but they've denied our modification because they say they can't beat our 5 % interest rate. I've requested a deferral instead so we can proceed with our monthly payments, but they stated that they can't modify our mortgage unless they can better it. They've offered a short sale, foreclosure, or a deed in lieu in place of a modification. I have four children, all of who live at home, and selling our home is not an option. Since COVID has slowed down, both my wife and I were able to obtain full time employment, and are more than able to meet our monthly obligations, but we need Rushmore to offer a workable option for us. We just came out of our financial hardship so the last option they provided, of paying the FULL past due balance is not an option either. 

Our 2nd home equity mortgage modification has been in process since XX/XX/2021. I've jumped through hoops to get them all of the information they required, and have been denied twice based on that my 1st mortgage is not in good standing. I don't have other options. COVID left my family financially struggling, and the mortgage companies are not willing to work with me on resolving this. We're being taken advantage of, and also feel that the mortgage companies are more interested in stealing my house then helping me work out a solution.
Please help, I've exhausted all other options and I'm afraid I'll lose my house to these predators. 

Thank you, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX, Acct # XXXX, has violated my rights. 

XXXXXXXX XXXX, Acct # XXXX, has violated my rights. 

15 U.S, C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also States a costumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I requested PMI removal 3 months after making consecutive monthly payments after coming back off Covid forbearance as instructed by mortgage company. Sent in request with appraisal check which they already deposited in XXXX. They also sent me a letter which gave me an estimate value of my home which was almost double of what my loan is and would most likely give me PMI removal. Now theyre saying I was denied PMI due to payments but I was on Covid forbearance now have been 7 months consecutive payments ( never late ). When I call back they say theyre behind due to Covid and would have to reprocess the request and it can take into XXXX for response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I sent a letter to NCB on XX/XX/XXXX about an unknown account on my credit report in the total of {$2200.00} ( opened on XX/XX/XXXX ). I have no connection with this account of business and noted that verification was needed. Today, XX/XX/XXXX I've received a letter past 30 days of requesting verification that did not confirm any amount of money but was noted " this communication is from a debt collector ''. I am unaware of how they have my information and need this unknown business to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX I received a letter from XXXX XXXX XXXX  that my credit card was approved. I never applied for a card from them and called their customer Service. I was told that I didn't have a credit card with them. XX/XX/XXXX I received a letter from XXXX that my payment was overdue ( on a card that I didn't have ). Then I received a bill including late charges. This is the first bill I ever received and it already had late charges. I wrote to their " fraud team '', disputed it with all 3 credit bureaus, and filed a police report. I sent the police report to all 3 credit bureaus and their " Fraud Team. They still claim that I own them now {$460.00} including interest. On XX/XX/XXXX they filed a judgment for the money they insist I owe them. On XX/XX/XXXX the judgment was " satisfied by the court ''. However, on XX/XX/XXXX they filed a derogatory alert on Transunion. My credit has been very good to excellent before this. I have in past consistantly paid my bills on time. I want them to stop harassing me and repair my credit rating. I have obtained an attorney.

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 2022-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 non-monetary relief
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Ive called transunion Several times to get the issue resolved. The representative was very rude and didnt seem interested in helping me get this resolved. I did not authorize the following creditors to run my credit and I need these removed immediately. I feel so unsafe knowing these companies will allow just about anyone to run your social security number. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX bank  XXXX XXXX XXXX bank ) XXXX XXXX XXXX XXXX bank XXXX XX/XX/2022 XXXX XXXX bank XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX 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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer ) on behalf of XXXX XXXX XXXX XXXX XXXX ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Resurgent Capital Services continues to contact me about a debt that I do not owe. According to their representatives, debt verification materials have been provided but I am questioning their legitimacy for several reasons including : a lack of personal identifying information on the documents, a listed address that I have never lived at, and an inability to produce an account holder 's agreement with my authorization or signature despite repeated requests. I have asked Resurgent Capital Services for additional substantiation repeatedly -- most recently as XX/XX/22 -- and in the words of a representative they, " do not have anything else on file. '' I am only being provided a topline account summary, which frankly, is meaningless because the debt in question does not belong to me and could be easily fabricated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
I have owed money to a debt collector for years for a credit card with a max of {$5000.00}. I maxed out the card and never had enough to pay for it until now. Recently I was contacted by an office who just bought my debt. They as the other company before them states the total I owe at over {$10000.00}. I have never agreed with this amount and even though I verbally and written requests for a history, specifically on the amounts added and why, but have never received an explanation or history to when and why the amounts were added. 
I understand there would be court costs, final fees, and fines, but doubtful over $ XXXX worth. I defaulted on two other cards at the same time as this one ( both now paid ) and never had anything added to the cards ' max other than court fees. One of the cards even took years to pay off. 
Also I have asked to see if their total included previous payments including garnishments. The last person I spoke with stated she only saw XXXX garnishment for {$400.00} when there should be around {$1000.00}. I have the paperwork from a certified accountant who did payroll for my last job as well as pay stubs for proof. 
I have been making payments and to show I was sincere in paying this off started by sending them a {$4000.00} money order and have made multiple {$600.00} payments over the past 10 months.

Company response to consumer: Closed with explanation