vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MORTGAGE LINK, INC., THE
State: MD

Complaint narrative:
Received a letter of " Understnading FNMA Enhancements. '' I did call, the gentleman identified himself as XXXX. Said he was not at his computer and asked if I could call back in an half hour. I said sure. After Googling the Company, I understand this is a fradulent letter and company scam. They are listed as " The Morgage Link, Inc. XXXX @ XXXX '' no other information is identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I contacted I C Systems last month via letter sent on XX/XX/XXXX, which they signed for on XX/XX/XXXX. I have proof of my communication with them and they have not responded within the 30 day mark. I requested viable evidence of the account they claim I owe. They are reporting negatively on my credit reports without proving the account is in fact mine, which it is not. I have attached my proof of communication with them.

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 2017-06-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Utah Loan Servicing, LLC
State: MO

Complaint narrative:
I purchased a mobile home in XX/XX/XXXX for {$18000.00} at my first duty station. I payed {$240.00} a month for the time XXXX XXXX XXXX XXXX/XXXX  handled the mortgage. During the five years I had the mortgage I was never late in making a payment. When I received orders to a new duty station inXX/XX/XXXX I had to complete a short sale of the mobile home with a third party. The short sale yielded {$10000.00}, enough to pay off the principal of the XXXX XXXX mortgage. They agreed to the pay off amount and accepted the payment. Over the past 19 years XXXX XXXX has changed hands and had a class action lawsuit levied against them. They hit my credit report with an amount that was supposed to reflect the fees, accrued interest etc. inXX/XX/XXXXafter they had agreed to the pay off amount and accepted payment. The normal period of reporting unpaid claims is seven years. I worked with legal counsel several times from XX/XX/XXXX - XX/XX/XXXX to get the negative reports removed. Once the negative reporting dropped off my credit report I was relieved and thought the issue was behind me. Recently my credit report has been hit again from UTAH LOAN SERVICING LLC asking for payments against a 19 year old mortgage that was settled. I do n't have any of the original paperwork from XXXX XXXX/XXXX after 5 moves and 7 years of bad credit reporting to show that the mortgage was settled. UTAH LOAN SERVICING LLC has never attempted to contact me via phone, mail, email or any other type of communication. I feel that they are a predatory company and do not have the right to take action on a claim that is over 19 years old. My home of record, for military service, has always been Missouri and after reviewing the Missouri Statute of Limitations on Debt Collection ; I feel that this debit collection is illegal. I am submitting a complaint to get UTAH LOAN SERVICING LLC removed from all of my credit reports and to provide information to others that my have the same issue. I am enclosing a snap shot of the current credit report entry from UTAH LOAN SERVICING LLC : As of XX/XX/XXXX Account name : UTAH LOAN SERVICING LLC XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number : XXXX Recent balance : {$6000.00} as of XX/XX/XXXX Date opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Financial ) Status : Collection account. {$6000.00} past due as of XX/XX/XXXX.
Type : Mobile Home Terms : XXXX Months On record until : XX/XX/XXXX Credit limit or original amount : {$18000.00} High balance : $ XXXX  Monthly payment : {$0.00} Recent payment amount : {$0.00} Date of status : XX/XX/XXXX First reported :XX/XX/XXXX Responsibility Individual : XX/XX/XXXX - XX/XX/XXXX Collection as of XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
To XXXX XXXX XXXX XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent Any Credit application that was used to open this account that you claim i owe with my signature attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
The beginning of XXXX 2017, another individual used my information ( Name, address, social security ) to apply for multiple new lines of credit. Whilst most of them got denied by using proper security checks, two credit  card companies allowed this individual to successfully open a credit card using my information. Here is the info that I have from my XXXX report : 1 ) Barcalays bank :  Account Number : XXXX 2 ) XXXX/XXXX 's : Account Number : XXXX As soon as I realized these accounts were opened, I put in a dispute with XXXX. I also opened an account with XXXX. Using their recovery program and by contacting both Barcalay 's Bank and XXXX 's myself, I was able to get XXXX 's removed from my credit report. However, Barcalay 's bank is not working very well with me. I have called them myself and when I give them my information, name, social, etc.. They continue to tell me they ca n't find my account information. I have also mailed them multiple times. Then I received a call at my grandparents house, where I do n't even live, from Barcalay 's bank asking me by name because my account is overdue ( they were calling every day for about a week ). Luckily I was there one day when they called and I explained the situation to the representative and she said she was going to transfer me to the " security team. '' I then waited on hold for a couple of minutes then the line went dead. I called them 3 times since and each representative still tells me that they ca n't find my account by using my name or other info, but yet they called a relatives house and were asking me by first and last name. The next step on my identity theft recovery program is to put in a complain with you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I live in the state of Nevada. I bank with USAA Bank. There are no ATM 's, or Banks out here. I am a tip earner and I rely on XXXX XXXX service to get funds into my account immediately without having to wait 10 days for Money Order Deposit. No matter what I do I can not get ahead and this bank is charging me tons of Over Draft fees EVEN when my account is positive! Their system does not recognise the XXXX XXXX technology and because of this I am not able to get ANYWHERE and I 'm rolling and snowballing further and further in the hole with fees and in bad standing with my other creditors. Also, returning items EVEN when I have the funds in my OVERDRAFT PROTECTION account. I have literally exhausted all my options in trying to get money in my account to cover my expenses, called and complained and I 've been told I need to keep track of all of the debits out of my account. I explain to her that YOUR SYSTEM is crediting ELECTRONIC TRANSFERS up to 3 DAYS later even though making the funds available IMMEDIATELY therefore on my end I never go negative but there system they rearrange my transactions at the end of my banking day to make it seem as if I go negative when I do n't! I have n't taken any money out of my acocunt for the last 2 weeks only put money in and I still get a non-sufficient funds FEE for {$30.00}? Just because your system will not allow me to catch up and charging me fees on top of fees on top of fees and not taking my XXXX Withdrawals ( deposits ) into consideration at all only after everything is said and done? This is a huge issue for me and I have no money because I am trusting this bank and I 'm trying to explain to them that this is a SYSTEM ERROR and your system does not recognise XXXX XXXX as a deposit!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XX/XX/XXXXI notified XXXX utility company that my husband and I were surrendering our home to our mortgage company XXXX XXXX. We filed Chapter XXXX. We advised them our move out date was XX/XX/XXXX to shut off the electric as we would no longer be living there. We moved 2 hours away to XXXX XXXX XXXX XXXX, PA XXXX with my husband 's parents. We are still here. At no time did we ever receive another XXXX bill- we changed our address with the postal service and no mail came from XXXX . XX/XX/XXXX I received a collection letter from Transworld for XXXX bill for XXXX XXXX XXXX for almost {$900.00}. I called them. I called XXXX. I called the PA utility commission. I advised Transworld statute of limitations per PA utility is 4 years and XXXX  advised account no longer exists. They are refusing to remove the collection from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I live out of the country but maintain a US account as I intend to return eventually. Recently I received a notification that my account was in danger of becoming inactive, so I followed the instructions and made a transaction ( note there was no guidance on minimum size or number of transactions required ) Following this, I received another notification, so I called the bank to confirm that my transaction was valid, which they did verbally including stating explicitly that I need not do anything else. I inquired about he second notification and they simply said that their systems have not been updated but they will do so immediately. I asked for confirmation, ideally a letter, which they refused to provide. I then requested they make the notation in their XXXX tool, which they agreed to do. Most recently I reviewed my account and realised that they had closed the account and sent the funds to the state, exactly what they said they would not do. Upon calling them, they said that the information provided last time was wrong. They have referred me to the XXXX website however I can not locate my details in the database so I have no idea where my money is now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I just wanted to notify CFPB of an issue I just dealt with at American Express in hopes others might benefit. I made a payment to American Express that was cleared at my bank on XX/XX/XXXX which is one ( 1 ) day before the payment due date of XX/XX/XXXX. American Express credited my account for the payment on XX/XX/XXXX and proceeded to charge me a {$38.00} late fee and {$0.00} finance charge, as well as raise my interest rate on the card. After I contacted the company about the discrepancy, the company agent informed me that the company had issues recently with a 3rd party contractor that applied payments late to many customer accounts. I was refunded and my account returned to its original condition. However, I received no prior notification of this issue at any time and I can only wonder how many other members have not had time to review their financial statements like I did. I always receive my bill notifications by email on time, but somehow when the company erred, the members were not notified.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX To whom it may concern ; I opened an additional checking account at BB & T ; XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX on XXXX XXXX 2017 ; Senior Checking-MM XXXX and because of a typo in the social security number caused by the Bank the account has been closed. Before and after the account was closed BB & T accepted three deposits totaling {$2000.00}. <P/>I received a letter stating ; Our records indicate you recently opened an account ( s ) with BB & T. Upon further verification and review or the information you provided, BB & T has determined it is necessary to close the above referenced account ( s ). <P/>My attempt to retrieve my money has continued for over a month. I was told that if I went into the branch ; which I did two weeks ago, and provided a social security card and drivers license, I would get my funds. I showed up at the branch, and was again denied access to my money. My drivers license and social security card were copied. And someone said there would be a {$25.00} fee to close my closed account. <P/>Therefor ; I am making a claim for my funds in the amount of {$2000.00}. <P/>Thank you for your time with respect to this situation. <P/><P/><P/><P/><P/><P/>Sincerely XXXX XXXX XXXX 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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
InXX/XX/XXXX, while trying to purchase a vehicle, I was informed, by the bank that my score was different than that reported by XXXX XXXX for XXXX and XXXX. As a result, I was denied credit. XXXX score showed XXXX, Experian XXXX. the bank showed XXXX. I enrolled in XXXX to try and get a more accurate score. {$19.00} month subscription, plus {$29.00} to get all three reports. those scores have been consistent as to what XXXX XXXX was reporting, along with the score reported by my XXXX XXXX credit card, XXXX XXXX XXXX, and XXXX XXXX ( credit monitoring by XXXX XXXX XXXX ).
<P/>
After doing some things to boost the score. Yesterday (XX/XX/XXXX ) I checked my scores on XXXX, my scores were, XXXX XXXX, XXXX XXXX, and Experian XXXX. I went to XXXX XXXX XXXX XXXX XXXX to try and refinance my rv. With the scores showing on the XXXX site, I would have been eligible for the financing. I was informed by the bank I has an Experian Score of XXXX ( 98  point difference ) and was given a copy of the report. I was denied. I went outside and enrolled in Experian Credit tracking. {$20.00} a month. Their 3 scores were XXXX XXXX XXXX XXXX ( the only one in the above range ), and Experian XXXX ( not a XXXX ). I called the support line for Experian. She stated that there are 1000 's of scoring models and that the banks and dealers can essentially make up their own scores and they cant be held to the scores they post. she also stated, that in their system, there were 4 different models, one of which showed a XXXX score. I would have NEVER gone to an institution with a score sub XXXX. I have bought 3 new vehicles sinceXX/XX/XXXX. two were at 18 % ( with the same bank ) and the most recent, 16.1 %, which the dealer called and friend at the bank to do the loan. I got it refinanced last week at 12.99 %. I have had 1, 30day late payment in 5 years. yet my score stays hovering around XXXX. And banks see an even lower score than that. This scoring in costing me {$1000.00} 's in interest. I spoke with a credit repair lawyer yesterday after all this, he stated that I need to go into the banks KNOWING my score will be 50 to 70 points lower than showing.
<P/>
there are 2 scenarios that are happening 1 ) the credit bureaus are defrauding the customers by making issues for you to keep paying for their services.
<P/>
2 ) banks are not abiding by the fico score system they say they use to charge outrageous interest rates.
<P/>
3rd ) both I should see

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
When I opened my checking account with U.S. Bank, I never opted in for automatic overdraft protection. In reviewing old U.S. Bank statements, I learned that the fees in excess  of $ 200+  dollars originated from an unauthorized debit transaction that U.S. Bank  decided to pay, which caused my account to be overdrawn by  less tha n one d ollar ( {$1.00}   XXXX   ) ; I believe the exact amount was {$0.00} (   XXXX   XXXX   ).     U.S. Bank has charged numerous fees all as a result of this transaction. They charged overdraft fees, negative balance fees, and interest, I believe, was another fee that was posted to my account.     They 've since sold this debt at least twice now, and when I received the collection notice from each of the d ebt collectors to  whom U.S. Bank sold this account, I asserted my right under the Fair Debt Collection Practices Act to demand validation of the debt. As a result, b oth debt collectors returne d the debt back to U.S. Bank.     On  XXXX   XXXX ,    2017, I re ceived a correspondence from U.S. Bank in which they erroneously claimed that I sent a cease and desist letter to their debt collector, when, in fact, I demanded validation of the debt.     So far, I have had to spend approximately {$15.00} sending certified letters to U.S. Bank and their debt  collectors. I b elieve U.S. Bank will continue to try to collect on this invalid debt, continue to damage my credit, and they will never admit fault in this matter. This is why I have escalated this matter to the CFPB.

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 2017-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

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 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Crow Creek Sioux Tribe
State: PA

Complaint narrative:
Applies for payday loan for XXXX They take XXXX every 2 weeks. So far they took 7 payments out totaling XXXX! I guess I still have 13 more payments to go with this loan. Is this legal with such a high interest rate? A friend told me to look into this

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 2017-06-27 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:
I have written several letters to XXXX, XXXX and TransUnion about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

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 2017-06-27 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: FL

Complaint narrative:
I have written several letters to XXXX Equifax and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.

Company response to consumer: Closed with explanation