vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
My second mortgage was involved in a Chapter XXXX bankruptcy and was discharged in X/XX/11. The note was originally with Countrywide and then Bank of America picked it up then It went into chapter XXXX bankruptcy due to I became XXXX After the bankruptcy I continued to pay both mortgages. I decided to refinance both mortgages with Bank of America and they only picked up my first and I asked them why did n't they include my second and they told me " Mamm, we have to take care of your first mtg first, then we will take care of your second '' but instead, they service released it to XXXX. XXXX told me they could n't help me. Then I rec 'd a phone call not a letter and was told XXXX XXXX has the second mortgage now, at this point I am not sure what is going on with the 2nd mtg. My credit report states I have a XXXX balance owed on that original loan number but it keeps getting reassigned a new loan number. If XXXX XXXX still has the lien on my property I would like to know what the balance on the lien is? And what the balance on the 2nd mortgage is since it was involved in the Chapter XXXX bankruptcy. What options are available for me to resolve this issue? XXXX XXXX offered to settle for {$15000.00} but of course I could not come up with that amount. At this point I am not sure I am dealing with a legitimate company or a scam. It keeps getting reassigned with new loan numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Benworth Capital Partners LLC
State: FL

Complaint narrative:
The company XXXX XXXX in XXXX, Florida responded only to refinances in complaint # XXXX. This was not a refinance it was a purchase. Not only did they refuse to respond to anyone regarding the question at hand. They also tried to overcharge the client with a closing fee of {$950.00} and attorney fee of {$450.00} and a doc prep fee of {$450.00}. 

I would like to know when someone in our government is going to do something about the affiliation of Real Estate Offices and Mortgage Companies with Title Companies and or Attorneys. It is ridiculous on how this can continue on. It actually does no justice for the consumer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXXand that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: FL

Complaint narrative:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Received a letter ( Exhibit A ) dated XX/XX/XXXX informing me that I owed {$2100.00} in damages and other charges for my recently returned leased vehicle. 

I responded by mail on XX/XX/XXXX ( Exhibit B ) and raised my concerns about the cost. 

I received another letter ( Exhibit C ) dated XX/XX/XXXX that did not address the concerns raised my XX/XX/XXXX letter. I called the company and they informed me that they never received my letter. They advised me to fax it, which I did on XX/XX/XXXX. Confirmation of fax receipt attached as Exhibit D. 

I recently received another letter datedXX/XX/XXXX that restated the XX/XX/XXXX letter. There has been no effort made to respond to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XX/XX/XXXX2016 - XX/XX/XXXX2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in 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 non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Offices of Robert J. Colclough, III
State: NJ

Complaint narrative:
I 've never received anything from this collector regarding this debt or right to verify or dispute it just appeared on my Credit Report out of nowhere i sent a letter to the address on my credit report address no response there is no phone number attached to the collections or the original debtor to verify and it dropped my score and I would never let XXXX which the alleged amount of the debt ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
1.FIRST OFF MY BANKRUPTCY WAS CLEARED ON XX/XX/XXXX SO XXXX YEARS IT SHOULD BE OFF WHICH ACCORDING TO MY ADDITION IS XX/XX/XXXX, THE CREDIT REPORT STATES THAT IT WILL STAY ON MY REPORT TILL XX/XX/XXXX.WHY!
2. THERE WAS AN INQUIRY DONE AT SOME DEALERSHIP IN XXXX XXXX LAST MONTH WHOM EVER WAS USING MY NUMBER ( IDENTITY THEFT ) HASD THE DEALER TRY TO GET AN APPROVAL SO WHOEVER IT WAS TRYING TO BUY A NEW CAR WITH MY NAME DIDNT GET APPROVED BUT ( THAT DROP MY SCORE 21POINTS I GOT DINGED ) THIS WAS NOT MY FAULT AND I HAD CREDIT PROTECTION WHERE ARE THEY WHEN THIS HAPPENED. 

3.THERE ALSO WAS ANOTHER DING FOR XXXX XXXX SAME CAR DEALER AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I used web bill pay to get a check to my credit card company before the due date ( due theXX/XX/XXXX, check delivered on the XX/XX/XXXX ). They processed my payment on the XX/XX/XXXX, leading me to a ) be late and b ) rack up interest charges. 

I called the issuer, and they stated that " you were late because we have to process them in the order received ''. I stated that I was n't late, but they were late processing it, and I do n't think their understaffing was my problem, and I should n't have to pay interest. She disagreed with me, stating again that " you were late because they process them in the order received ''. 

So clearly I 'll cut up the card, but the {$20.00} in interest is the first interest I 've paid in years, and seems to make their staffing issues my problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Jonathan C. Frank & Associates, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, 2017, I received a phone call from a XXXX XXXX, claiming to be from Jonathan C Frank and Associates. He claimed that he had two charges in his office that they were going to file reference to a bad check and check deception. He did not say where they were going to file this. He goes on further that I owed XXXX on a loan I received from a company called XXXX. I asked for his address, which he gave as XXXX XXXX XXXX, XXXX Texas. I then asked him to send me validation of the debt before I will speak with him about any debt that I owe and to stop calling me. He then started to yell, stating that he wo n't argue with me, he doesnt have to send me anything, and he will file criminal charges against me and someone will be at my house to arrest me. I was called from XXXX. I XXXX that number and learned that this is an attempted scam to defraud people and steal their identity. 

I looked up Jonathan C Frank on the Texas Bar Association website and saw that he is a licensed attorney. I attempted to contact his phone number listed of XXXX. I did not get an answer. He is not listed as a debt collector either on his bar information or via the Secretary of State in Texas. 

He does have a website of http : //www.jonathancfrank.com/, however, a whois search revealed that this is registered to an unknown person in Utah. XXXX searches also revealed that this may be a fake site using XXXX XXXX 's information.

Company response to consumer: Untimely response
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mitchell Rubenstein & Associates, P.C.
State: VA

Complaint narrative:
offices of Mitchell Rubensten & Associates are under courts favor of a garnishment agenst my Wife 's bank account for the amount owed. in sort my wife lost her job and my income was the only one coming in. are bank accounts are connected but sepurate. Mitchell Rubensten & Associates had all the account she was connected to Lock 100 %. this included my account. this lives me and my wife with no money for other bills that are due. I have tried to talk to them about my account. but nothing but you will have to wait until the next court date of XX/XX/XXXX in XXXX county the case number they have is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: TX

Complaint narrative:
I changed my autopay bank account inXX/XX/XXXX. I received a confirmation email that it was changed and thought all was good. I did n't order many things from them during the summer because I was incredibly busy with work so, I did n't bother to open my statements as I figured whatever little I owed, would come out of my bank account. 

On XX/XX/XXXX I was placing an online order at Macy 's my card was declined. That 's when I found out my account was past due. I looked at the autopay and the info was correct but no charges had been made to the account since I changed it. I did n't understand but took care of it immediately even paying the late fees because I did not want to deal with waiting and calling them during the week as I was scared to mess up my credit, which I painstakingly have been building up for the past several years. 

Unfortunately, today I woke up to an email from my credit score tracker saying it changed. It changed from XXXX to XXXX because of a 2 month late balance of {$110.00} in the Macy 's card. I am devastated that my credit could go down so much for so little. THIS WAS NOT MY FAULT! THEIR AUTO PAY SYSTEM FAILED. I called Macy 's and spoke with the Credit bureau representative. Showed my evidence that I had set up auto pay correctly and NEVER received a SINGLE past due notice from them. They said it 's still my responsibility to know if the auto pay went through even though it was their system that failed to collect the money. Now my credit score is blemished over a small balance that I can most certainly afford to pay. But they do not hold themselves responsible at all even though their online pay system failed and they never sent me one " Past Due Account '' email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AE

Complaint narrative:
On XX/XX/XXXX I viewed my credit report to find out me and my husband 's Best Buy credit account ( serviced by Citibank ) had been closed in XX/XX/XXXX causing his credit score to fall 23 points. We have had the Best Buy card  since XX/XX/XXXX and have never made a late payment. The account history is pristine. 
I immediately reached out to Best Buy ( Citi ) card services to see why the account had been closed. The Citi representative informed me the account had been closed because the USA Patriot Act required us to have a physical address on file. I explained to the representative that we are XXXX-XXXX military XXXX XXXX and that our Fleet Post Office ( FPO ) address is considered our physical address. She in turn said she understands our situation but there was nothing Citi could do. The USA Patriot Act prevents them from giving us an account. She also stated that once an account is closed it can not be reinstated. 
Afraid that all of our credit and banks accounts from several different banks would be closed ( XXXX, XXXX, XXXX ) I headed directly to the internet and read the USA Patriot Act. Section 326 of the USA Patriot Act expressly reads that Army Post Office ( APO ) and Fleet Post Office ( FPO ) addresses, which is what we have, FULFILLS the requirement of a physical address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: NC

Complaint narrative:
I am a member of the South Carolina XXXX XXXX XXXX. Back in XX/XX/XXXXI transferred my apartment at XXXX XXXX XXXX to another student at XXXX XXXX University. Her father wrote a transfer fee check and I paid her first month 's rent. XXXX XXXX never cashed her father 's check because it was my responsibility to cover the transfer fee. I was never informed of this nor was I contacted by XXXX XXXX about this outstanding balance. However my distaste does not reside with them. 
I have been over seas on XXXX training for a month, XX/XX/XXXX -XX/XX/XXXX and then recently came back and moved to my new home in NC XX/XX/XXXX. After a week of being home I was contacted by Hunter Warfield,  XX/XX/XXXX, they were at first polite explaining the situation they had supposedly also contacted my mother. After speaking with my mother and then the apartment complex I had found out what had happened. 
This morning I was contacted again by Hunter Warfield at XXXX, XX/XX/XXXX, this time they were very agitated and begun to get quite rude with me. They told me they have been they have been trying to collect this debt that I had not heard of until a week ago and that they have been attempting to collect it over a month. Again I tried to calmly, but sternly, explain I have not been here for a month and I have been investigating the matter since they had contacted me. That is when they said they were going to charge me. I then asked what they were going to charge me with. They said they were going to charge me, and send this to a credit report agency. Then told me that they had taken my response as that I was not going to pay the {$300.00} debt. Once he stated this, he then proceeded to quickly hang up on me. 
Please understand I never said I would not pay the debt. I then called back the apartment complex to tell them my experience and they apologized greatly astonished by they lack of professionalism exhibited by Hunter Warfield. They then explained to me that since they themselves were never able to contact me ( since I was on a XXXX ) that they would be so kind to remove the debt from the collection agency. 
I have never been treated with such arrogant and ignorantly placed hostility when approached. I would have expected a greater amount of professionalism from a 'law firm ' trying to collect payment, cruelty and threats is not the way to accomplish any goal in business or law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 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: FL

Complaint narrative:
My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My husband XXXX in the month of XX/XX/XXXX, at which time we were having some financial difficulties. this resulted in my home going into foreclosure. I was able to market our property for a short sale were Portfolio held a judgment in the amount of {$4500.00} which stopped the sale. 
Contact was made to Portfolio a number of times prior to the 1st recorded date of XX/XX/XXXX.at that time a letter was sent by my attorney. Phone contact was made on a daily basis starting XX/XX/XXXX. 
On XX/XX/XXXX we were informed by the legal dept. that the dept was uncollectable ( original judgment date was XX/XX/XXXX ). 
Mean while, Portfolio requested1 or 2 documents which my attorney provided. There after my attorney continuously called for the resolution. Finally he was informed that a satisfaction would be issued. This was too weeks ago. 
We have contacted Portfolio again on a daily basis with the same promise ( tomorrow by XXXX ). 
My mortgage holder is now going to reopen the foreclosure .I do not want a deficiency judgment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Ocwen has claimed to have a valid transfer of assignment of our mortgage loan. The issue is that the transfer of assignment was filed by a known robo-signer XXXX XXXX. I have been able to observe varying signatures of XXXX XXXX that has been filed in county land records office. 

Can Ocwen please explain why, if the transfer of assignment is valid, does XXXX XXXX signature vary in the attached documents that have been filed in a county land records office from XX/XX/XXXXto XX/XX/XXXX to a Mortgaged Backed Security trust that was closed years earlier? 

If XXXX XXXX has been noted as a robo-signer, how is the transfer of assignment valid? How is a document signed by a known robo-signer compliant with the new servicing standards and the Ocwen National Servicing Agreement?

Company response to consumer: Closed with explanation