vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: 21ST MORTGAGE CORP.
State: NY

Complaint narrative:
AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX  XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. 

Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary,  where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. 

We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. 

The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX for months. XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I won a sneaker contests on XXXX for the XXXX XXXX XXXX  for retail. They were very responsive to my questions and messages untill I paid ( through XXXX ) after that they went silent. Literally in minutes I started to realize they didn't give a reply of the the confirmation of my purchase with out and shipping info or even responding to my messages, even after giving them fair warning that I would be taking steps to get my money back they still did not respond. Its people like this that ruin sneaker culture for everyone else. I called my bank to try cancel the transaction while processing and could not help at stop the payment with fraud protection

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 2018-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MCM contacted & shared personal & confidential information with someone other than myself- in violation of consumer protection & collection laws. They acknowledged in a response std XXXX but are refusing to remove their delinquency from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX  XXXX for months. XXXX and XXXX have deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the  Fair Credit Reporting Act. '' '' "

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My XXXX XXXX XXXX XXXX CC ending in XXXX ( synchrony bank ) is blocking me from enabling external applications. At first I had no issues but since last week all of a sudden the app I was using was blocked with no explanation as to why. I have reached out to XXXX XXXX XXXX XXXX by Synchrony bank about this but they have not resolved the issue. I would like this resolved ASAP. Thank 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 2018-10-10 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 fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : Transunion : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( 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 2018-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Forest Recovery Services LLC
State: OH

Complaint narrative:
Tried fix I sent a letter.get, I called this told dr office, this bill not mine was granddaughter, I took her to dr they put her stuff with my name .I sign her in! It was billed wrong to my son insurance! I called dr office they put down on paper wrong information, they never fixed it so insurance wont pay it!! Dr office keep billing me!! It not my bill,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX  : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) Equifax : - XXXX Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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 fraudulent accounts on my credit report that I never have had in my life. My XXXX XXXX app says that these things are bringing my credit score down tremendously. 

I need someone to help me fix this because it isn't fair. How can I owe a company I never ever signed up for?? 

Accounts : XXXX : - 6 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( XXXX XXXX XXXX ) XXXX : - 4 Fraudulent Hard Inquiries - 1 Collection Account as a result of identity theft ( 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 non-monetary relief
Consumer complaint received 2018-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ID

Complaint narrative:
I responded to an offer to open a checking account at HSBC. The opening process was excruciating but I worked through it. I made two transfers of funds and was disappointed both times by an extremely long transfer time. Everything about HSBC is slow and clunky. I attempted to close the account on XX/XX/2018 by contacting customer support. I was advised that there would be a fee for closing the account before six months through a rep but if I were to transfer my balance out first there would be no fee. This advice was given by phone and I have a recording of that conversation. When that transfer was complete on XX/XX/2018, I called back to close the account and that rep refused to close the account because there were insufficient funds to cover their fee. I was told that I would have to transfer {$25.00} back in. I have a recording of that conversation. All transfers were initiated via the HSBC web service, this transfer took a full week. When the funds finally showed up on XX/XX/2018, I called back and closed the account. That rep again attempted to convince me to keep the account open. I firmly told her to just close the account. I was told that the account was closed. I have a recording of that conversation. I logged back in on the XXXX to make sure and not only was it not closed but they have assessed a " {$25.00} minimum balance fee. '' HSBC 's purpose here seems to be to keep the account open by refusing to close it for the express purpose of assessing exorbitant fees. I believe that this constitutes FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Ticket scam on XXXX ( {$500.00} ). 

I am a customer of Bank of America. The scammer directed us to move the money via the BOA 's XXXX product. It was the first time we used the BOA XXXX functionality. Unfortunately, the Scammer understood more about the vulnerabilities of XXXX than we did. 

I have filed a police report, FTC complaint and FBI IC3 report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am a public service employee with over 20 years of service. Navient failed to tell me that I could re-finance the student loan and receive public service forgiveness. I have paid on this loan for over 132 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018 ; I applied for the XXXX AAdvantage credit card for my XXXX XXXXn : XXXX XXXX XXXX. 

I received written notification from Citi asking that I provide additional documents to complete the application. 

Using these instructions, I called Citi on XX/XX/2018 and spoke with their underwriter who reviews and processes and ultimately approves and declines credit card applications. 

I asked the agent where copies of my XXXX U.S business tax returns or Articles of incorporations, to complete the application, should be issued ( i.e. fax or mail or email ) since the application was not yet approved. 

The agent was kind and professional and provided me with both an email address and a fax number to forward the outstanding documents. 

I asked the agent ( underwriter ) specifically once my application was reviewed and approved ; IF I would then qualify for the AAdvantage Miles promotion. The question was not theoretical or hypothetical but specifically was in reference to existing application. She reviewed the application and confirmed I would need to spend XXXX USD on qualified purchases within the first 3 months of opening the account to qualify for XXXX AAdvantage Miles. 

On XX/XX/2018 ; I contacted Citi AAdvantage and asked why my XXXX AAdvantage credit card was not yet received. They promptly stated they would issue a new card via XXXX  but confirmed the AAdvantage Miles promotion was no longer applicable due to having a prior open account. 

I disputed the information and spoke with a Supervisor who refused to review the phone call despite acknowledging phone calls are monitored and recorded for quality assurance. 

I am upset because Citi AAdvantage provided incomplete and misleading information during my interaction with the Citi underwriter on XX/XX/2018. I specifically asked IF my existing application would be eligible for the promotion and the answer was an unequivocal and resounding yes. 

Doing so meant I forfeited a new credit inquiry and lowered my XXXX score due to the agent 's lack of due diligence. 

Please help other Consumers avoid this mistake when applying for new credit cards in the future. Citi AAdvantage claims new applicants should read online disclaimers but does not have a system in place that prevents applications from being processed IF the client is not eligible for a promotion.

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 2018-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
Interest rates keep rising with no explanation. They are continuing to report to the credit bureau that my loan is in default despite payments and forbearance that I have on file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-10 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: Freedom Mortgage Company
State: TX

Complaint narrative:
XXXX has completed the investigation and Deleted Freedom Mortgage and XXXX and XXXX have yet to Delete the Fredom Mortgage from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
I have a mortgage with Freedom Mortgage. Previously I paid through my local bank. They sent the company a PAPER check. 

Starting in XX/XX/2018 it was done by Electronic transfer. 

I have sent the company three payments totaling {$19000.00} in XX/XX/XXXX. 

NONE have been credited to my account as of XX/XX/XXXX I called my Bank in late XX/XX/XXXX and they confirmed that the payments were sent through the " Federal Reserve ''. 

They contacted the mortgage company - no response from the mortgage company I contacted the Mortgage company and was told they were aware of the problem. They were conducting an " investigation '' to find out why, internally, they did not credit the payments to my account. 

They, so far, have not credited my account and have not communicated the results of their internal " investigation ''. 

I do not think I should have to wait to get my money credited while they decide where their internal controls failed. 

Plus what do I do about my next loan payment?

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 2018-10-10 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: HI

Complaint narrative:
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX 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 2018-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I can not freeze/hold credit with Equifax online or over the phone. My husband and I had no problem holding credit with XXXX and XXXX online yesterday XX/XX/2018 using their websites. 
My husband was able to have credit held with Equifax over the phone but their website did not work yesterday or today XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 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: HI

Complaint narrative:
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2018-10-10 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: HI

Complaint narrative:
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I CHECKED MY CREDIT WITH CREDIT CHECK TOTAL FOR XXXX AND CANCELLED MY SUBSCRIPTION BEFORE MY 7 DAYS WAS UP BUT STILL TOOK XXXX OFF MY CARD. I HAVE CALLED XXXX A MILLION TIMES MAKING SURE I CANCELED THE MEMBERSHIP AND IT SAYS I HAVE NO SUBSCRIPTION WITH CREDIT CHECK TOTAL. A MAJOR PROBLEM WITH THE NUMBER IS YOU CAN NOT SPEAK TO A REP ABOUT PROBLEMS WITH YOUR ACCOUNT.. I ALSO PRESSED THE BILLING OPTION AND IT ONLY TELLS YOU TO LOG INTO YOUR ACCOUNT BUT THAT WILL NOT FIX THE MISTAKE OF THEM BILLING MY CARD. CREDIT CHECK TOTAL ( EXPERIAN ) SHOULD HAVE A NUMBER WHERE YOU CAN SPEAK TO A LIVE REP. BECAUSE MISTAKES HAPPEN AND THIS NEED TO BE FIXED.i NEED MY MONEY REFUNDED BECAUSE I DO NOT HAVE A SUBSCRIPTION WITH THEM BECAUSE I CANCELLED IT WITHIN MY SEVEN DAYS. CREDIT CHECK TOTAL NEED TO POST A NUMBER WHERE INDIVIDUALS CAN TALK TO A LIVE REP WHEN PROBLEMS OCCUR.

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 2018-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Payment is not properly applied. Payment should apply first to principal and interest only. 
Previously complained. They corrected it. It happened again. In addition, the bank statement doesn't show how they came to the final regular payment. If there is a late fee, it doesn't show in the statement. I complained again today and the complaint # XXXX. The bank associate agreed there is a problem and is very helpful. There is either a problem with bank on line payment system and printed statements or Bank of America deliberately adopting financial malpractice.

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