vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
This mortgage company just launch a brand new website. I was able to log in fine, until today. I have paperless bills, so i do n't have anything where I can see my account. I am trying to look at my account online and when I tried to log in, it would not let me. I reached out to the representatives and they treat me like I am a XXXX. I tried to log in on XXXX different computers, including my phone. I even put the incorrect password to make sure the password was not the issue, and immediately told me it was the wrong password. But when i put my info correctly, it takes me back to log in. I already re-register from the new launch. I tried to reach out to escalate the issue and allow me to log in, but the rep told me there is nothing they could do because basically their website was perfect. This is a new launch!!! Things are NOT perfect! It seems they are not escalating website issues to not allow customers see their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: AR

Complaint narrative:
I have attempted to verify the debt with the original creditor because when i asked for verification of the debt from Trident Asset management I was only provided with a computer print out of something I have never seen before. I contacted XXXX who trident said is the original acct holder and was given the acct number XXXX. XXXX said they do not have any acct with that number or even with my social security number, XXXX said to contact XXXX communications because XXXX sold the company to them. I contacted XXXX 's customer care, collections, retention, and escalation department. they attempted to locate any account using my name, my social security number, old address, old phone number and the acct number that was given to me by trident. trident has refused to verify this acct and only sends me that computer generated paper. they have not provided me with anything that proves the said debt is mine. I have also submitted a power of attorney to haven services to try to resolve this on my behalf, trident has been avoiding their calls and when trident does pick up the phone for haven services, trident puts them on hold and hangs up or say they did n't receive the power of attorney. the person i spoke to at trident confirmed that they indeed had the power of attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I 've been trying to get a look at the my credit report from Experian but I 've had no luck with them. I tried joining their service and still no luck. 
It is impossible to get my personal info from them which affects my life. 
My score from XXXX is XXXX and XXXX is XXXX so why is my Experian is at XXXX. The Experian is stating that I 've seriously delinquent account but I do not.

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 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Midwest Service Bureau, Inc.
State: KS

Complaint narrative:
At XXXX on XX/XX/17 a number that I no longer own was contacted by Midwest Service Bureau . The representative asked for me, and the person that answered the phone said she was not with me.  The rep tried to gain a valid number, and the person that answered did not provide the requested information. The representative asked if she was my wife, and she said yes. This woman is my ex girlfriend, not my wife. The representative released what company she worked with, my first and last name, last known street address, the amount in collections, and that it was a collections account. There was no verification before releasing this information, only " Yes '' when asked if she was my wife. The rep proceeded to try to bleed money out of my ex, and she felt personally insulted with the things that were said. After reviewing the company 's XXXX  page, I am not the first person this has happened to. This situation is sickening.

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 2017-10-05 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: SC

Complaint narrative:
INQUIREIS ON MY EQUIFAX ACOOUNT I DONT HAVE KNOWLEDGE OF FROM XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I JUST PURSCHED A CAR IN XX/XX/XXXX SO I DONT  KNOW WHERE THESE INQUIRES CAME FROM BEING THAT I ALREADY HAVE A CAR FINANCED A YEAR PRIOR AND THE COMPANY IM WITH HAS THERE OWN FINANCING. I HAVE REACHED OUT TO EQUIFAX AND THE COMPANIES WHO SENT THE INQUIREIS BUT HAVE NOT RECEIVED A RESPONSE AND CAN NOT GET THIS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

Complaint narrative:
IN REGARDS TO : UNITED REVENUE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX. ON XX/XX/2017 A CERTIFIED LETTER WAS SIGNED RECEIVED BY XXXX XXXX FROM USPS. I HAVE NOT GOTTEN A RECEIVED INFORMATION THAT I REQUESTED A DEBT VALIDATION LETTER ASKING FOR PROOF OF THE DEBT THEY CLAIM I OWE AND PAPERWORK BEARING MY SIGNATURE. I HAVE YET TO GET A RESPONSE YET AS ALL THREE ACCOUNTS REPORTING ON MY XXXX REPORT HAVE DIFFERENT ACCOUNT NUMBERS BUT SAME AMOUNT. THEY HAVE NOT FOLLOWED THE ( FDCPA ) RULES AND REGUALTIONS. I KNOW THAT MY RIGHTS ARE TO BE PROTECTED BY THE VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES. THEY HAVE NOT VALIDATED THAT THE DEBTS BELONG TO ME BUT INSISTED ON BREAKING THE FDCPA RULES OF REPORTING WHILE VALIDATION WAS IN PROCESS THE COLLECTION AGENCY IS NOT ALLOWED TO REPORT TO ANY OF THE 3 MAJOR CREDIT BUREAUS. I AM JUST TRYING TO STRETCH MY RIGHT TO REQUEST VERIFICATION UNDER 15 USC 1692g Sec. 809 ( b ) of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Consultants of California
State: CA

Complaint narrative:
This company received a letter dated XXXX XXXX, 2017 from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.

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 2017-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have a mortgage with Chase with automated payment. 

Their online system does not work and their customer service to correct the issue was incompetent and burdensome. 

on XX/XX/XXXX i tried to edit my automated payment amount to remove the {$400.00} additional principal payment that brought my total payment to {$4100.00} and change the payment date to the XXXX day of the month from the XXXX of the month I checked on XX/XX/XXXX and when it did not update, I tried to edit online again. 

On XX/XX/XXXX I called Chase customer service who claimed they updated it so that it would be effective for current month payment and would update on XX/XX/XXXX I checked online on XX/XX/XXXX and it still had not updated. 

Chase deducted on XX/XX/XXXX the amount of {$4100.00} or {$400.00} more than I needed which caused me additional duress. 

The amount showing online still is {$4100.00} but they have changed it to the XXXX of the month for future payments.

Chase customer service is incompetent and their online system is ineffective.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc.
State: OR

Complaint narrative:
I have been called dozens of times for someone named XXXX over the last several years. I have explained repeatedly that I have never known this person and been assured our number would be removed. 

Recently associates of Delta Management Associatiates of Massachusetts and Arizona have been placing robo calls from various local numbers several times a day and leaving messages stating that a failure to return calls is an affirmation that XXXX is at this number. 

Today I talked to someone named XXXX XXXX@XXXX ext XXXX. Once again I was given assurances that my number would be removed. I cant believe it will at this point.

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 2017-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I listed a vehicle for sale on XXXX. I received a text from a potential buyer who offered full asking price. He sent me a check ( Insurance Company Check ) for {$11000.00} ( car sold for {$7000.00} ) and requested I send overage to the transport company account.
Bank of America accepted the deposit and made funds available immediately.
I transferred {$4300.00} ( I know feel stupid enough already ) to the transport persons account at Bank of America XXXX. 24 hours later BofA took the money out of my account due to fradulent check ( late found out altered ). I requested that they stop and return the funds I had transferred to the account in XXXX. They had the data, it was in the same time frame as when they removed the deposit from my account, yet they could not stop or refund my transfer. Two lessons learned here. 1. ) be more diligent in this kind of transaction and 2. ) do n't trust Bof A, all they give is lip service.
PS : Yes, there is an active case with Phoenix police, however, I do n't have any expectations of them finding and prosecuting anyone.
PPS : Have another sale of the vehicle that follows the same pattern, but BoA unable to work with me to track and try to catch these human slugs.

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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I submitted a request to have derogatory information removed from my XXXX Credit Report due to the report stating that the account was paid as a charge-off. The amount was paid in full. I received the title and I just would like for the XXXX XXXX account to be removed from my account.

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 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CA XXXX We started this short sale on X/XX/17. We have been trying to gain closing approval for the last 3 days and have been having several issues with Citi : 1 ) Vesting -- - XXXX XXXX, the closer, demanded that vesting be changed stating that title had to be in the sellers individual name and not his trusts name per their vesting that existed when the loan was taken out. The only problem is that the loan was take out in the name of the trust with the seller as trustee ( See attached Title Report and Recorded Deed of Trust ).
2 ) Patrick demanded that the buyers closing disclosure ( CD ) be altered in a way that would be both a TRID and RESPA violation. He demanded that the closing date on the Buyers CD, which is actually the consummation date ( the date the buyer signed loan documents ) be changed to match that on the sellers CD. This obviously ca n't be done as California is not a table closing state and our lenders do not table fund. ( See page 5 of the attached Understanding TRID Forms ) 3 ) Contacting XXXX to discuss this has become almost impossible as we have been told that he no longer has a telephone and leaves his intercompany IM turned off. The only way that we have been able to get XXXX to respond to us is by calling someone else in Citi and having them walk over to XXXX building to see if he is there and ask him to actually open his emails. When this was finally done, and XXXX  finally responded, he stated that the closing date on the buyer CD is required by federal law. WE have, in fact, verified that this is a lie and that this is something his department has made up. ( Again see page 5 of the attached Understanding TRID Forms. ) Have the negotiators at Citi actually received TRID training and specifically training on how to read a buyer side CD? I can tell you the answer is NO. I should also state that we have closed over 2500 short sales ( and multiple with Citi since TRID went into effect ) and this is the first time a buyers side CD was requested.
So my real question is why is this being done? Why are we being asked to put title into a name that is not on the original loan docs? Why have demands been made to violate federal law with violations of TRID and RESPA? Is this just the attempt of someone that is extremely overworked to push a file aside for later review?
We would like answers as to why there have been multiple illegal servicing activities on this short sale file since its beginning ( Please see our CFPB Complaint Filed XX/XX/2017 Case # XXXX ). What is going on at Citi? A lack of staffing, training, ethics?

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 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Control Technology, Inc.
State: HI

Complaint narrative:
I received a call from this Account Control Technology at XXXX  XXXX time from XXXX. I was n't able to answer the call, but called back at approximately XXXX. I followed the prompts and got " XXXX '' on the phone. XXXX took my cell number and attempted to contact the department that was handling the claim. XXXX came back and told me that that department was closed and that I 'd have to call back. I asked how that could be since they JUST called my house. She said that they were calling to " get my attention ''. I asked what would have happened had I answered the phone, and she started to repeat herself. When I tried to ask how they could possibly have closed in the 5 minutes it took for me to return their call, she got irate and screamed into the phone " have a nice day! '' and hung up. I called back, and got her on the phone again. I told her that I 'd be reporting the calls, and she hung up the phone on me. I have no idea what this company is calling about, and I want the calls to stop if they have nothing to do with me.

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 2017-10-05 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: Garcadia Financial LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I spoke with the sales manager to get prequalified with XXXX XXXX XXXX XXXX. I am completely aware that during the financing process they submit multiple credit applications. With this fact in mind, I specifically instructed the sales manager that I ONLY WANTED TO ACQUIRE FINANCING WITH XXXX. I specifically instructed the sales manager to avoid shopping my credit around because I did not want numerous inquiries on my credit report. I am in the process of acquiring a business loan and was told to avoid that sort of activity. The sales manager did not properly communicate my authorization to only submit 1 credit application to the finance manager, which resulted in the UNAUTHORIZED SUBMISSION to several lenders. The General Manager of the dealership has admitted fault and apologized for the unauthorized submissions. While it does bring me solace to know their actions were not malicious, the accidental submissions has hurt my credit report and ability to acquire a business loan. I have challenged the inquiries with the credit bureaus and have been referred to challenge these directly with the lenders.

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