vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-08 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: CCB Credit Serivces, Inc
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MS

Complaint narrative:
XX/XX/2018 XXXX XXXX added a collection account to my credit profile stated a delinquent account balance of {$4300.00}. I have no contract with XXXX XXXX and was not notified of any delinquency, via postal service, electronic mailing service, and or phone contact. My credit profile has been tranished and I would like said account removed and collections attempt void.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern ; I have reviewed my credit report and the following items from your company has ran an on authorized credit inquiry on me. I never authorize such actions and this constitutes a violation of my rights under fair credit reporting act section 604, as well as a violation of my rights to privacy. Pursuant Section 604 you must furnish three pillars ; One being wet ink signature Two being contract of application Three Permissible purpose According to FCRA section 1681B subsection C this inquiry was not initiated by consumer unless all three pillars from section 604, FCRA are met.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Concerning complaint no. XXXX : Company, Equifax, failed to answer my complaint. Their response had nothing to do with the nature of my complaint. In addition, CFPB is not even reading the Equfax complaint, or you would have rejected it. It is just a canned repy to some other subject than my complaint. 

I want the case re-opened, under the same complaint number, and tell Equifax to respond to my specific issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOME FINANCE OF AMERICA
State: CA

Complaint narrative:
In XX/XX/XXXX I finally reached my goal of paying off my credit card debt and was ready to purchase a home. I went to explore options for individuals who need assistance with a down payment. The county of XXXX  had a program ( that is still posted on their website ) using parameters of {$42000.00} to qualify, however they do not have any grant funds left this year and the program manager, XXXX XXXX stated that it will likely be next spring that they can offer this program. However the website states there are funds currently available : XXXX XXXX XXXX Clearly the posted income parameters are stated as {$42000.00}. 
XXXX XXXX XXXX I then secured a lender, XXXX XXXX   XXXX XXXX. I told XXXX about the program I found and she stated the City of XXXX XXXX has the same program and did have funds available and that I did qualify using the city 's salary guidelines of {$42000.00}. She prepared my loan package and encouraged my realtor to also submit the package with an offer. I went to great lengths to provide lending documentation, preparing the offer to purchase and submitting the application to the city of XXXX XXXX. I was then informed by XXXX Last the City of XXXX XXXX Program Director who stated that the state had lowered the income guidelines and the lender used an outdated application. Yet the only application and documentation that is available for consumers still has the old income parameters. It was not only disappointing to have wasted so much time and effort but a complete misrepresentation of the programs that are supposed to be available to consumers. How possibly could the income guidelines have gone down when the housing costs have gone up.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Spoke with the representative from Quicken Loans around XX/XX/2018, she verified the amount that was owed for XX/XX/2018, which was about {$38.00}. She also explained why and told me she could take the payment over the phone, however I did not have the funds. Doing this time XX/XX/XXXX was owed and XX/XX/XXXX was late. I made a call again to confirm because I needed to make a payment over the phone. This time is was an EXTREMELEY DIFFERENT CALL. I was told I could not pay XX/XX/XXXX and they need all three months and they sent an intent to foreclose letter and the amount will need to be paid XXXX XXXX. I question when was the letter sent out because today is XX/XX/XXXX. After some research this was an old letter she spoke of and also our home is located in a disaster area after Hurricane Harvey, but I was told that this didn't affect us because we didn't start getting behind until recently and something else must of happened. We were also told that were now 4 months behind because " we know XX/XX/XXXX '' may be late as well although that payment is not due yet. I attempted to explain to a female who said she was in the executive office who was not any help at all as I attempted to explain what we could pay base on what we have which is pay the XX/XX/XXXX right away so that this did not affect our credit rating. Then take care of the XX/XX/XXXX payment by XX/XX/XXXX. Then the XX/XX/XXXX by the end of the month of XX/XX/XXXX, this was not satisfactory and the person stated if you would just not interrupt and let me explain it doesn't work like that. She also stated that this would not be a problem if I just paid what was owed when it is due and their would not be a problem. Quicken seems to have changed the dynamics of their customer service and hired sub par collections representative off the streets who are not properly trained. These individuals were rude, unhelpful and disrespectful for the most part. As it depends on who I was talking to, after the first representative the calls became worst and so did the individual person 's demeanor and customer service skills. As an alternative, I have sent hardship documentation via fax. We have no intention of having our home foreclosed on. We are also requesting that the late payment be removed from our credit files and apply the disaster indication to our account. Finally, I am a federal civilian military employee and except to be treated with dignity and respect just as all people should.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing ombudsmen specialist XXXX XXXX who quietly hides her management position when she responds to consumer complaints that she never properly investigates because she is given high salary that was embezzled by millions of homeowners to be trained how to cover up the pretender lender loan servicers troubled company abuses. I have informed the pretender lender loan servicer ombudsmen specialist XXXX XXXX and opposing counsel XXXX XXXX several times regarding the VOID FRAUDULENT ASSIGNMENT that was created out of shady XXXX XXXX XXXX XXXX XXXX just days before the bogus lawsuit was filed. XXXX XXXX XXXX assigned the bogus mortgage to XXXX XXXX XXXX XXXX XXXX signing for XXXX XXXX XXXX XXXX on XX/XX/XXXX. Depositor XXXX XXXX XXXX is the only rightful party that can place assets into the trust pursuant to investors offering documents as specified above, to have all the rights, duties and obligations of the Depositor with respect to the Trust, XXXX XXXX XXXX XXXX XXXX with closing date of XX/XX/XXXX. The assignment is approximately 3 years after the mortgage was placed into the Trust -- a clear violation of the Pooling and Servicing Agreement. XXXX XXXX XXXX or a ghost robo-signer signed the fraudulent VOID assignment on XX/XX/XXXX and then XXXX XXXX XXXX committed fraud by claiming the ghost to be present before her then rubber stamping the VOID assignment on XX/XX/XXXX just days before corrupt shady XXXX XXXX XXXX crooked lawyer filed the bogus lawsuit then used the fraudulent assignment to intentionally mislead the court while committing fraud upon the court to be guaranteed favorable judgement to embezzle my property. Before XXXX XXXX XXXX XXXX XXXX filed its bogus lawsuit I informed the shady lawyers that I was diagnosed with XXXX and to leave me alone because I only had months to live. XXXX XXXX XXXX shady law firm thought they could get away with embezzlement because they all thought I only had months to live. Shortly after the fraudulent assignment was created by corrupt shady XXXX XXXX XXXX the imaginary XXXX XXXX  XXXX XXXX ghost before her robber stamper XXXX XXXX XXXX license was revoked by the Commissioner. Well, I was misdiagnosed and I am not going to die so what are all you scums going to do about all the years of all your fraud now? Opposing counsel XXXX XXXX is assisting his clients with embezzlement by claiming to have personal knowledge and reviewed the VOID assignment that was fraudulently recorded claiming its stands to assist the Mortgage Law Firm with embezzlement fraudulent Trustee Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Yesterday, on XX/XX/2018, I found out BANK OF AMERICA, summarily closed my account- and refused to give me my monies in that account- saying they have to hold them until account is closed- makes no sense, as ACCOUNT IS CLOSED THIS IS CONFISCATORY THEFT OF MY MONIES- WITHOUT DUE PROCESS OF LAW. I had about {$6.00} dollars there- stopped my debit card- and I am a XXXX, senior- and now can not pay my bills- ALSO ADVERSELY AFFECTING MY CREDIT AND CREDIT RATINg A few months before I had horrible fraud against my credit cards- giving me addiontla debt of {$12.00} plus- which the bank refused to honor- and closed my credit cards. I then opened a business account- and credit card issued for that was closed, without prior notice to me- The bank had made no effort to reimburse me for that theft=== THIS IS UNCONSCIONABLE- as they claimed there was possible MONEY LAUNDERING, AFFECTING 5 OTHER ACCOUNTS- gave me NO WRITTEN NOTICE- and made no effort to protect me nor reimburse me for these loses. Could BE ANOTHER=== XXXX XXXX XXXX, FRAUD by this bank No advance notices or written notices given me by the bank regarding the total of about over {$18000.00} ( XXXX XXXX dollars ), they have in effect STOLEN FROM ME- this is STEALING MY PROPERTY WITHOUT DUE OF PROCESS OF LAW- and they FAILED to protect me from the PRIOR FRAUD.

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 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA

Complaint narrative:
Sometime in XX/XX/XXXX, I started investing in my XXXX XXXX XXXX ( XXXX  ). I wanted to change my life through this business. Since I do not have the funds to invest, XXXX have Seed capital company to help me find funding through credit card applications. One of the bank is from Firth Third Bank. This bank approved me for {$4000.00}. I then use it to pay for my XXXX business expenses on XX/XX/XXXX. There were 2 transaction total was {$3700.00}. 
Due to my business was slow with no sales and commission, I could not afford to pay my Fifth Third Bank credit card. I tried paying on XX/XX/XXXX, {$76.00} and requested to have the late fee waived. The bank did it for the one time only. Then months went on, my business still not doing well and in XX/XX/XXXX, myself and other XXXX business owners found out XXXX has been shut down by Federal Trade Commission ( FTC ). There were heavy ongoing investigation and court cases. Theres a case number XXXX on XX/XX/XXXX confirming the FTC have court cases ongoing explaining how XXXX business function especially it is scamming innocent victim like myself. 
When that happened I was shocked and completely disbelief the scam from a business I heavily invested in, so I filed a complaint to FTC online on XX/XX/XXXX. My reference number is XXXX. 
I did contacted FifthThird Bank to file for dispute due to XXXX scam on XX/XX/XXXX. They told me they will mail out dispute form for me to fill and attach with any supporting documents. Which never arrived. 2 weeks later fifth third bank started to call me daily asking for payments. Without any warning and they continued to call daily including weekends harassing for payment. 
In XX/XX/XXXX I received a letter dated XX/XX/XXXX about my dispute were denied even without given any chance to receive any dispute form and file other than received daily calls asking me to pay money. I called the bank to clarify and was told I have been sent to collection agency and can only make payment through them. 
Immediately after receiving the letter from XX/XX/XXXX, it seems like I can not have my dispute request and been sent to collection. This has been the worse bank compared to other bigger institutions like XXXX. Which they are very understanding and have been working on my disputes. 
I need help with this. FifthThird bank is not giving any mercy for me to help me with my failing business and the credit card dispute from he failing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/2018, my insurance company paid {$120.00} to the creditor, XXXX XXXX XXXX. The result amount owed was {$30.00}, and I would be liable for absolutely no more than that as stated in the insurance company claim. However, on XX/XX/2018, XXXX XXXX, the collection agency, wrote in my credit report that I owed a sum of {$390.00} to XXXX XXXX XXXX. This is illegal under the Fair Credit Reporting Act, and they should be held accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I had low funds. A charge came through that caused the account to go negative ( less than {$3.00} ). When I noticed I quickly added {$3.00}. They still charged me {$35.00}. Then an additional {$30.00}. They have this : {$5.00} Overdraft Pass comes automatically with all personal checking and money market accounts. ATM and debit card overdrafts of {$5.00} or less are included if you are enrolled in Debit Card Overdraft Coverage. 

This should have prevented the fees. 
They should refund me the over draft plus all fees. {$65.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-08 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: ORG GC GP BUYER, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX when I received the letter I try to contact the company to let them know the debt had be settled.By email several times.But it wouldn't allow me to enter the site with the assigned account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I initiated a wire transfer through my company account with Chase Bank ( XXXX XXXX, XXXX ) for payment to a service supplier of mine in XXXX on XX/XX/18 for execution on the next business day which was XX/XX/18. I received notification that the wire was put on hold, pending me providing more information. 

I am travelling overseas on business at the moment which makes the resolution all that more difficult but I tried to contact the bank on the number they gave me but it wasn't working. So I called the number on the back of the company debit card I have and they transferred me to the business division. After providing all my personal & company details for verification I was put hold for 20 minutes only to be told they couldn't help and gave me another number. 

Not to bore you with this over and over, but this process has been repeated now 5 times, contacting different departments by phone and I have also secure emailed Chase 3 times but still no one will help. 

I really needed to pay the supplier so I did that from another of my business accounts and then asked Chase to cancel the wire ( which is for {$10000.00} ) but they will not. I was given a number to call again, where they told me they couldn't help me and after a further email I was referred to yet another department again. I don't think this will be resolved by normal means. I feel the only way is through a carefully constructed complaints process. From the tone of the phone calls I have been having I get the feeling my {$10000.00} may be gone forever unless I act outside of the bank system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Ive had an open Foreclosure it was closed. and reopened when the statute of limitation ran. Reopened ive tryed doing loan modes and SPS. well not work in means want a large down. Most of my life ive worked in XXXX XXXX. and for family reason i had to leave. I stared back this year. I did an Investigation on my case when they refuse to work with me. the loan stated in Fl. with XXXX   XXXX. the vice President was arrested. the loan started in XXXX XXXX XXXX placed a trust in XX/XX/XXXX the trust was closed in XXXX also the Vice President on Trust is on XXXX XXXX XXXX Robo signer sheet. Understand i owe money but its not to the trust it was not placed into or XXXX XXXX. SPS. said the Appraised the home for XXXX I can short sale it for that. to do a Loan mode its XXXX with XXXX down. XXXX VS XXXX XXXX. i attached the paper work is the same case I have. everything is attached. Thank you in advance. P.S. Iwas refereed by TEAM TRUMP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08 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 is incorrect
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Ms. XXXX XXXX called me at XXXX XXXX central time in the morning and did not verified the person for the debt. I asked for your her information and her to call here anymore. This practice is unacceptable and should not be tolerated.The company is Portfolio Recovery and the telephone is area code XXXX. Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was a victim of fraud and have a fraudulent account on my credit reports with XXXX, XXXX  and 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 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
XXXX XXXX failed to respond to my CFPB complaint as of XX/XX/2018. This by default, requires the organization to remove the debt posted to all my credit bureaus in the amount of {$130.00}. After multiple previous attempts I have disclosed my monetarily exempt income and zero potential for future collection as a result. This organization has failed to validate the collection potential of a debt over 2 years old. I appreciate the CFPB 's intervention to resolve this issue or escalate accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.

Company response to consumer: Closed with explanation