vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have been disputing this unverified account with the collection and Credence resource has not sent me any proof. On XX/XX/2019 I mailed out a letter requesting proof the and had no response. I called credence resource on XX/XX/2019 and the lady that answer would not answer my questions. This debt is not mine and they just don't want to corporate, its an error on there behalf. They have me confused with someone else and it is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I requested that this company Equifax send the me verifiable proof required to post the account listed on my credit report, which they never did which means its unverified and should not be on my credit report. Despite my three written requests, the unverified item is still listed on my credit report in violation of Federal Law. I need to know Who verified these accounts? How did they verify them? Equifax still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during their re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: MD

Complaint narrative:
TransUnion decreased my credit score by 23 points without any explanation or any negative change that happened in my record. I called them several times and no one is able to explain why my score went down. I have checked the other two credit bureaus, XXXX and XXXX and they both report accurately and have similar score for my credit. I have tried to make claims on there website but, there isn't any appropriate option to chose from for this kind of situation. Please help. I work so hard to keep my score high and stay on top of my credit history, it is frustrating to have scores taking away from you and have no explanation for it. It is likely that their system has an issue since, they are the only one reporting differently among the other two bureaus, however, they are not willing to fix the situation either.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I have a navy federal secured rewards card. I do love this business however i am having difficulty getting my account resolved the proper way. I fell on hard times and my credit card payments defaulted. I did make a payment towards my balance and i also called to have the {$500.00} that i payed for the card applied to my balance however they won't apply it for some reason which is not a problem if they give the money back instead of holding it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I've contacted Homebridge Financial Services regarding my inability to make my regular monthly payments due to being laid off on XX/XX/2019. I have had to contact them repeatedly to ascertain what documents are still needed for completion of my package. 
I recently gained employment and will be starting a job onXX/XX/19. That information has been provided to the lender. 
I have not been given the option of getting a loan forbearance. This would be helpful while I am waiting to obtain my next 2 paychecks. 
I have contacted Homebridge to determine why they have not offered me a forbearance. 
At this point I have been unsuccessful in obtaining a forbearance or any relief from the lender as each time I call I am advised they need yet more documents. 
I feel the lender is deliberately making the process overly difficult to prevent me from obtaining relief on this issue. 
I am a XXXX veteran and will also be making my complaint known to the Dept of Veteran 's affairs. 
I need help resolving this issue.

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 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I paid for a course offered on XXXX to a guy, he asked me for {$640.00} dollars in advance to start the course through XXXX quick pay. He never provided the course and doesnt want to return the money to me, I have been trying to contact him and also called the bank but they do not want to resolve the issue or offer an investigation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was sent a new debit card from Chase because the card I had in my possession had been compromised. I received the card a few days later, but had not utilized it yet because I was heading out of town. On XX/XX/XXXX I stopped at the gas station to use my debit card only to find out it was not working. When I called Chase they stated that my account had been closed, as of XX/XX/XXXX, and that they had sent me notification of this. I had not received any notification, and I still had money in my account. When I asked why they had not notified me prior to closing it they assured me they did. When I told them I had not received any correspondence in the mail, they stated that sometimes their mailing system could lag. When I inquired about the reason as to why my account had been closed, they could not provide one.  They simply stated that my account had been reviewed and they decided to no longer do business with me. They never sent me the rest of the money that was in my account as they had sent it to the wrong address. I am still owed an explanation as to why my account was closed and my money that was within the account at the time of closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
FMS Financial Solutions placed a collection on my credit file XX/XX/19 in the amount of {$9800.00}. When I asked for verification of this debt ( signed agreement, relationship documents or payment history ) as I am entitled to under FCRA and FDCPA. I did not receive any documentation that would justify this account reporting on my credit report. 
When I contacted them by phone I was sent directly to voice mail, placed on hold for extended periods of time or hung up on. In my attempts to file a civil suit in XXXX MD, I could not get this case to go before a judge. This gives a clear indication that the system designed to protect the consumer no longer works.These type of predatory practices by FMS Financial Solutions should be deemed unlawful. 

FDCPA violations : sections 604,605A,606,607,609, ,610,611,616,617,623 FCRA violations : sections 803,804,805,807,808,809 and 813 Each violation carries a fine of {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
While attempting to set up new utilities at my new home in XXXX XXXX, XXXX I was informed that due to bad debt I was required to pay deposits. I then was told that someone named XXXX XXXX and XXXX XXXX are using my social security number to obtain utilities in XXXX, IL. I then filed a police report the same day with XXXX Metro Police Department as well as contacting XXXX XXXX XXXX XXXX XXXX. I spoke with their customer service and submitted the requested paperwork verifying I am the rightful owner of the social security number and for them to stop allowing these people to use my information illegally. I was told I have to prove to them I am the rightful owner of the social security number, even though this company did not make the thief verify their ID. 
I am now obtaining a ton of documentation to prove I have lived in XXXX, XXXX for the past 20 years and have never owned property in the state of IL. I have no knowledge of these people and can not understand why this allowed to continue, given her address is known.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
XX/XX/XXXX- My number was called more than twice by robodialer. When I answered the call the call was dropped.
XX/XX/XXXX- I returned the call and asked that my number be taken off the auto dialer system. Agent stated she would address it. Agent offered me full repayment option of $XXXX. I stated that I didn't have that amount of money. Agent offered a loan consolidation. I stated that I was uncomfortable engaging in any contracts over the phone.
XX/XX/XXXX- Received a blind carbon copy email at my workplace email address from XXXX XXXX
XX/XX/XXXX- Received phone call at my unlisted workplace phone line from XXXX XXXX. I stated I had not given authorization to be contacted at work and asked not to contacted at work
XX/XX/XXXX Received unsolicited phone call from XXXX a month after my bankruptcy was finalized to rehabilitate my student loan. Despite receiving little information on the status of my loans which were being paid in the bankruptcy or discussion of alternatives, I was pressured into an agreement to pay $XXXX a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TX

Complaint narrative:
I have called and mailed letters to get this account verified. I have in XX/XX/2019 I sent them a letter to send me documentation that proofs this account does belong to me and they don't respond. The last letter was on XX/XX/2019 hopefully they respond this will be the 5th letter. I have also called and they give me the round around and they hang up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
The company in question is Zelle Pay. They cancelled a transaction and refuse to ensure my money is returned. I have used this service a couple of times already to pay my landlord XXXX XXXX for rent. He has a Zelle participating bank account with XXXX. My bank account is with XXXX, which is not participating in Zelle and I have been using the Zelle Pay app. 

On XX/XX/XXXX I sent {$500.00} which was posted successfully from my bank account. Unlike the other times, I received no confirmation from Zelle. On XX/XX/XXXX Mr XXXX received an error message stating the transaction was cancelled. Neither me nor my bank ( XXXX ) received any notice of any issue. No money was returned to my bank or to me. This transaction does not appear in my Zelle user history!! 

On Sunday XX/XX/XXXX Mr XXXX informed me that he did not receive my payment. 
On Monday XX/XX/XXXX I called my bank and they confirmed sending the payment successfully to Zelle. Mr XXXX called XXXX and they confirmed the payment was not successful and had been cancelled. I reminded him this could not have been cancelled by me as Zelle does not allow users to cancel. It was cancelled from the recipient bank ( XXXX ). 

On Tuesday XX/XX/XXXX I called Zelle to find out when my money would be returned- they said it is my banks responsibility not theirs and that my bank has the money. I called my bank and found this is not true. XXXX from XXXX and I did a three way call with XXXX the supervisor at Zelle who also claimed Zelle is not responsible for these transfers and does not maintain transaction records. She gave us the cancelled transaction number and had no other information. XXXX from XXXX said that she filed an internal dispute paperwork but is unable to complete it without tracer information from the transaction history, which is a basic record that Zelle should have on file. The Zelle rep told me to fill out an online request which I did. I never received a response. 

On XXXX XX/XX/XXXX and XXXX XX/XX/XXXX I again called Zelle and was refused further information or assistance. The service reps are instructed to claim that the money was immediately returned to my bank and to my account. Neither is true and I called XXXX again to confirm this. I said to the Zelle representative that this transaction was not completed as per my authorization and that I would follow up with a fraud dispute. I again was told there is no transaction information kept by Zelle. 

Zelle Pay is failing it's proper diligence for a company that advertises widely as a safe Financial service backed by major US banks. It should be investigated and sued for there are many consumer complaints of fraud and lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
According to my credit report on XX/XX/2016 I purchased something from XXXX. Jefferson Capital is now on my report, the collection agency. I have never been to a XXXX. Im guessing this was identity theft. I have disputed this with XXXX through XXXX XXXX and it was denied. Case number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have contacted Equifax multiple times and submitted complaints and this issue still continues. I have submitted the same information for this same issue with other bureaus and they have resolved my issues both by correcting this information and by doing so in a timely manner. The following accounts are listed incorrectly XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Some of these accounts resulted in inquires as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I attempted to make a half payment today, XX/XX/2019, and the balance on the due date of XX/XX/2019. The purpose of this action is a common procedure to knock about 8 years off the mortgage term. ( 30 year mortgage ). I was told by XXXX @ XXXX office, ID # XXXX, that they do not accept partial payments and would send back my payment if I was to pay partial payment. This would be my first payment due on XXXX Amerihome phone number= XXXX I was solicited by a company unknown to make payments for me in this manner for a monthly fee which I felt was exorbitant. I promptly threw the solicitation mail in the waste basket. I want to make these payments myself and reap the reward. I feel their policy is unfair and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: CA

Complaint narrative:
I work away from home over half of the month, I rely completely on receiving my billing statement every month. For several months in a row one of my cards statement ( Home depo card ) didn't come in the mail and I believe the Home Depo credit company switched to electronic notification without my consent. They have denied this but after I question the company my statements starting in the mail once again. Because of this I wasn't aware that my account payment was due and Home Depo credit services reported a 30 day late on my credit. This is the only negative report that I have and have had for over 30 yrs. I have called and disputed with all three credit agencies several times and no one will remove this negative information. The account is current and always have been except for this 60 day time period when I wasn't receiving a statement. I'm having difficulty refinancing my home loan because of 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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is re-ordering my transactions and deposits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
PHH Mortgage consolidated with Ocwen Servicing. As a current Ocwen customer I received information about the transfer of the loan. I received a new load number and was told that my automatic payments would cease. When I attempted to begin automatic payment with PHH I was met with a mired of " Nos ''. They do not offer bi-weekly automatic payments and has an online payment system that does not support bi-weekly payments. They eventually granted me approval for bi-weekly automatic payments, but are not able to document it or confirm ( besides verbally on the phone ). I have spoken to them at least 30 times since they took over my account on XX/XX/2019. When asked about making an internal complaint, those are accepted by the customer service rep you need to complain about. After speaking to several of the customer service representatives, it is evident that PHH is set up to encourage mortgage non-payment/failure, as they intentionally make payment difficult. They intentionally limit payment options to encourage foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2015 I was the victim of identity theft and credit card fraud. I had over {$40000.00} stolen from my Wells Fargo bank account and my WF credit card was used by the thieves. I have gone around and around with Wells Fargo with police reports and much more indicating I was a victim of fraud. I was told by Wells Fargo to not pay my credit card while the issue was being looked into. I spent months and years working with Wells Fargo and they have me being 90 days late in 2015 as a result of the information I was given by reps at Wells Fargo.

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 2019-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
I purchased my home in XXXX of XXXX. The loan was sold by my original lender to Loan Care a Service Link Company ( My Loan Care ). Since then I have been over charged for my MIP. They seem to be treating my loan as an FHA not a USDA loan. I was charged : {$840.00} In XXXX of XXXX {$830.00} In XXXX of XXXX {$810.00} In XXXX of XXXX and {$840.00} In XXXX of XXXX I am only supposed to be paying .35 % of the value of my loan which is about {$550.00} a year and that number should be decreasing due to paying the loan amount down. As you can see mine jumped back up to the origination amount. 

I started trying to resolve this issue in XXXX of XXXX with the loan company and they just steadily give me the run around and they promise I'll have someone call me back but that never has happened. I end up calling them and spending at least an hour if not more on the phone every time. 

I have consistently followed the step they ask me to and they do not follow through on their end. I have filed emails to create a paper trail, waited for the follow that never came. Spoken to a supervisor and waited for a follow up that never came and now i am wondering if there's anything that can be done.

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