vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 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: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
XX/XX/XXXX Summary : XXXX XXXX XXXX, XXXX Credit Card XXXX received a judgement in courtment for a XXXX mortgage debt of {$14000.00}, back in XXXX on my townhouse residence at XXXX XXXX XXXX, XXXX, VA XXXX. They also received a lien against my residence via this court judgement. It is ironic so far incidental, in the 3 chapter 13 protection instiuted in subsequent years, last one instiuted by self filing, without attorney assistance, in XXXX, XXXX. The current XXXX party debt collector who claimed in my previous CFPB complaint about a year ago, that they had purchased this " defaulted asset '' ( but not the liabilities by previous FICA attorney and XXXX parrty debt collector phone and other harrasment tactics that also required me to file CFPB complaint going back to XXXX. 

In my end, when foreclosure notices were received previously, I sought legal assistance via XXXX, who is the probono legal service for low income families such as myself. XXXX failed to establish non-legal communications with FICA, and suggested Chapter 13 protection for the first time, XXXX XXXX. XXXX ( XX/XX/XXXX )., XXXX XXXX XXXX, Attorney, XXXX XXXX XXXX XXXX. # XXXX, XXXX, VA XXXX, XXXX : XXXX was referred as legal help. XXXX XXXX is a specialist in Chapter 13 & Chapter 7 Bankruptcy protection. On the second time that FICA attorneys filed foreclosue, XXXX XXXX. XXXX XXXX XX/XX/XXXX ) was institued. The 3rd one, institued on XX/XX/XXXX was done self filking basis and without legal assistance, when XXXX XXXX was not available, and I could not find any other legal assistance via other means. This 3rd Chapter 13 case was dismissed last week, XXXX, XXXX by the Trustee and the Judge in this case. 

In the meantime, the current debt collector, against whom I had filed a CFPB complaint has refused communication via my legal representative, and continued their weekly harrasment and claim that the XXXX 2nd Mortgage judgment of {$14000.00} is now exponentially grown to over {$55000.00}, owed. And that they have purchased this " asset '' but not the FICA previous " debt collection systematic harrasements '' libailities, for which several CFPB complaints was filed by me, going back to XXXX. 

XXXX, located in XXXX XXXX XXXX, UT have sent me threating certified mailed letter last week, beside the 2 or 3 weekly mailing I have been receiveing from them for more than a year, with claims of escalating owed money of over {$55000.00}. 

This current claim by XXXX comes from the 2nd Mortgage default judgement, going back to XXXX, awarded to FICA card services division of XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have filed a dispute by mail in regards to incorrect items on my credit report. It has been well over 30 days ( XX/XX/2020 ), and I have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are numerous accounts listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!

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 2021-03-17 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
JPMCB - CARD SERVICE inquiried : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My dispute involves the credit company : Experian. Ive sent multiple disputes online and magnolia by mail and they dont help me. The accounts are not mine and I have provided them proof and they still are not doing anything about it. The other two credit bureaus have removed the items off my report. Only Experian has not! Worst company ever!

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 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fidelity Direct Mortgage, LLC
State: MD

Complaint narrative:
As a resolution I would like to Recoup money that I lost during this deal and to figure out how my privacy being violated and my pain and suffering lossing money on this deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed 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 2021-03-17 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: TX

Complaint narrative:
XXXX XXXX should not be reporting to Equifax and XXXX a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Netspend Corporation
State: DC

Complaint narrative:
I bought a XXXX XXXX XXXX by Netspend from XXXX and loaded it with XXXX . I have been trying to activate my card for days but so far couldn't. 
First, I tried to activate it through their website with no success. On the activation page, you are asked to enter the card number and security number, and when you do that and press continue, nothing happens. The activation page only refreshes ; Then, I called them as I also needed customer support to activate. After several attempts, the automated response was saying that all lines are busy and then hung up!!! I tried several times but can not reach anyone. After that, I downloaded their app, and finally, their system recognized my card for activation. They asked for my name, address, and social security, which I reluctantly gave. After setting up the account, I was blocked again, and I was requested to scan a valid ID and send it to them!!!! 
This means revealing too much information about myself, and most importantly, this request was not written on the card 's packet when I bought it. 
Finally, I tried to solve the issue by calling customer service but again, no luck. It's just that nobody answers. 
Check the other reviews of Netspend on the internet, and you will find tons of complaints about this card. I should have researched them first!!

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Electric bill XXXX From XXXX  XXXX account number XXXX Never lived at address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Elevate Recoveries, LLC
State: GA

Complaint narrative:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
Multiple fraudulent charges appeared on my account and the bank fail to correct the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I relocated from XXXX to XXXX in XX/XX/2020 and opened new savings and checking account at Chase Bank on XX/XX/2020. I informed the relationship banker that even though my ID had a XXXX address, I wanted my XXXX address as my communication address and I provided my copy of my rent agreement for the proof. Even I received my Debit card at my XXXX address. When my husband tried to fund my accounts from his bank account, chase blocked my access to my bank account. When I contacted the Bank, they informed me that they have decided to close my accounts unilaterally, and there is nothing I can do about it. They also informed me that my balance would be sent via checks to my address. First, they sent my checks to my XXXX address, which was returned since I was not living at that address. When I contacted them again, they informed me that I need to go branch for physical verification, which I did more than one month ago, but still, I did not receive any refund from any of my accounts. I am helpless, and I don't know what to do to get the money back. This whole process has cost me a lot of money and agony.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV has sued myself for a debt 13 years past the statue of limitations. In XX/XX/2020 XXXX county awarded them settlement, I did not pay attention to the mailing of this happening. I have spoken to them about this and they want to go to court for their violations of the FDCPA. So Im hiring a lawyer to represent me on this matter. In addition Im filing complaints for their unlawful acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Sensible Auto Lending, LLC
State: FL

Complaint narrative:
XX/XX/XXXX amount {$120.00} and XX/XX/XXXX amount {$110.00} and XX/XX/XXXX amount {$110.00} These are the dates that I made payments to my already paid up account the next due date should have been on the XX/XX/XXXX, but instead one representative stated that the payment that was applied on XX/XX/XXXX was applied to principal on my account, then the next supervisor XXXX stated my payment was applied to the interest on my account. In a previous conversation last year when i had paid may account months early they stated that I had to call in to make principal payments. Since XX/XX/XXXX I have been making payments early and have been paid up for months, and interest payments have been taken out all payments. So these people are literally scamming me out of my money because the early payments are not bringing my account balance down and by now I should at least be a {$10000.00} if not {$9000.00}. I want to know where my money is going an being applied or is someone scamming me out of all the money I've put in this car? Also they have no one in this company that are natural born citizens, also they don't have corporate numbers or emails listed to contact anyone in a upper management status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX Bank on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: LA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX - {$2600.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1800.00} - XX/XX/XXXX XXXX - XXXX - {$96.00} - XX/XX/XXXX XXXX XXXX XXXX  - XXXX - {$16000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2021, My fianc, a signer on this account went to make a withdrawal in the drive through from his business debit card. He accidently gave the wrong card to the teller and withdrew the balance on the account unknowingly. Once we recognized the error, we immediately went to the ATM machine and deposited the funds back into the correct account. Due to it being after XXXX, the cash deposited into the ATM did not immediately post causing any transactions that were pending to create fees. When we went to the branch they would only refund {$36.00} instead of the {$140.00} that was taken out. Had the ATM machine posted the cash deposited the same day once the error was found, these fees would not have been incurred. I called customer service to try to resolve this and spoke with XXXX in " General Services ''. He also stated he was unable to refund me even though my account never drops below an average of {$4000.00} ( as you can track with the history of my account ). I am filing a complaint for these corrupt business practices and horrible customer service. I was told at the branch level that regardless of my account being in excellent standing, that I was basically " out of luck ''. This is poor customer service and basically theft.

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 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AXOS FINANCIAL, INC.
State: PR

Complaint narrative:
I asked Axos Bank to close my account and transfer the funds to my personal bank account, which they have in their records since it was the account I used to periodically transfer funds to their account. This happened on XX/XX/2021. As of today, XX/XX/2021, neither my account has been closed nor the funds transferred to my personal bank account. All this has been documented within Axos Banks internal message platform, and since a rep has been attending my case, they are fully aware of this. 

The total amount of funds that have not been transferred to my personal bank account is {$5400.00}. I have been loosing money for more than a month while they are benefiting from them at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  should not be reporting to XXXX  and Experian a collection/chargeoff in the amount of {$1200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I ever in the past had an account with XXXX. This account is fraudulent and needs to immediately be removed from my credit report. I have attached a copy of the Fraud Affidavit I filed for reference. I have contacted XXXX as well as the bureaus to dispute this and get this line item removed however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a 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 2021-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I had a mortgage with Freedom Mortgage Company. I fell that my escrow and mortgage were not properly managed by Freedom. I received multiple late payment fees and interest from the state of Massachusetts because Freedom made errors, missed payments and did not make my payments on time. I never pay my mortgage late but yet XXXXreedom rarely paid my taxes on time. 

In a addition I had a 30 year fixed FHA Mortgage with Freedom yet my monthly mortgage payment would fluctuate and increase as much as {$300.00} a month. They said it was in increase in my property tax and insurance but that did not add it. 

I have contacted freedom a number of times to address my concern but they were none responsive and dishonest. they said the could not provide me with anything in writing or detailing my escrow account history.

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