vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FIRST HORIZON BANK
State: AR

Complaint narrative:
On XX/XX/2014 my signature was used to generate a tendered, refused & discharged financial transaction via PROMISSORY NOTE as cash proceeds towards the purchase of real property XXXX XXXX XXXX XXXX XXXX Arkansas XXXX, however instead of the PROMISSORY NOTE being applied to the originator of the loan, the originator payed it forward to XXXX XXXX. Foreclosure is fraud because the MBS can not be registered to perfect a secured claim as collateral. ARTICLE 8 UCC.. The MBS, if registered, would prove lender fraud. Im requesting a TILA REGULATION Z, 1099OID & OMB_FR2046,2049 & 2099 from lender and parties allonged to the DTC doing business as CEDE & CO. If the entities wanted to do right by the American borrower & those Citizens abroad then those Lenders/Bankers could have shared from derivatives yielding from the MBS & PROMISSORY NOTES. 
THIS IS FRAUD, FRAUD, FRAUD!!!!!!

Under ARTICLE 9 UCC, the MBS is defined, but NEVER EVER DO YOU FIND A REGISTRAR REFLECTING A SECURED CLAIM AGAINST A MORTGAGE BACKED SECURITY. Tell those FEDERAL RESEVE BOARD OF GOVERNORS TO TURN GREEN & COME CLEAN OR DECOLONIZE NOW, NOT TOMORROW, NOT A MONTH FROM NOW, RIGHT NOW TODAY! Ty please..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XXXX is showing a late payment on XX/XX/XXXX, from TD account last XXXX- so I complain to Td Bank, they were nice enough to write a letter on my behalf. The problem is XXXX wants TD Bank to send experian the letter. XXXX  doesnt want a letter coming from me! So I contacted td bank, I asked them to please send a letter of correction to experian. They said they would only give me a letter, and that theyve already sent a letter of correction back in XXXX. I asked TD BANK if they could please resend it because XXXX will not correct it without you sending it.- but after 10 requests TD BANK STILL refuses to resend, and I have no proof to TD Bank ever did send the initial letter to XXXX. Im being caught in between XXXX  and Td Bank XXXX TD Bank refuses to send letters to XXXX, XXXX  refuses to except my letters from TD Bank. I spent over 100 calls, and 80 hours on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Company reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: FL

Complaint narrative:
Company reported without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
this is in reference to another complaint I filled XXXX, messages are included... This number XXXX XXXX continues to call after I have repeatedly told them to not contact me again... I once again contacted the number they gave in the recording XXXX and asked once again for the name and address of the company, but the once again refused and proceeded to tell me they were sending the Sherriff to my home, I said please do and called them scammers because they were not following the laws outlined by the Fair Credit Reporting act...

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 2021-09-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received an email from agent XXXX XXXX from XXXXXXXX XXXX XXXX threatening me to be given a warrant for my arrest concerning a debt collection for Speedys Cash Loans. This loan is not on my credit report and I have not received any official documentation for this through regular mail. My mom receives any mail for me concerning important documentation through her home address. I also have my own address and I havent received any mail concerning this debt. For the most part, it is not my credit report and I need to see if this collector is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Multiple emails sent from XXXX requesting a specified amount ( {$78.00} ) be paid to settle a PayPal negative balance. 
Forwarded each email to XXXX as site instructed. 
No transaction matching the debt has occurred on the PayPal account. 
Response from PayPal : Thank you for reporting a fake website XXXX ( XXXX ) Emails sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2021 as reminders of negative balance. 
In each instance the PayPal account associated with the receiving email ( XXXX ) was checked and there was no balance an no recent transactions. 
XXXX XX/XX/2021, letter received from XXXX XXXX XXXX XXXX claiming to represent Creditor : PayPal , Inc. Account Numner : XXXX in attempting to settle the {$78.00} account balance. Offered to accept {$59.00} as partial payment. Required notification to dispute the debt or it will be assumed valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has not resolved my dispute with a merchant that owes me credit. Chase claimed Visa does not allow them to submit for dispute on the items due to the age of the item. However, this is incorrect as Visa does provide full recourse in my situation as outlined in my documents attached. Chase mishandled my matter and I plea and demand this matter be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
We went to XXXX XXXX in Virginia in XXXX 2021.There was a makeup section having XXXX XXXX at Nordstrom and the representative who opened our account was XXXX  and her email id is ( XXXX ) .She offered to open a credit card account without any proper disclosure.From that time they have started charging us immense Interest ( 25.90 % ) and they are charging it separately on first payment and total amount respectively.Today ( XXXX2021 ) we have cleared their bill which was XXXX .This is clear practice of Fraud, Bad business and misrepresentation causing us loss of money.We demand a serious action on it and cover our loss caused by this misrepresentation from their side and now they are saying that everything is mentioned in our disclaimer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase Auto Loan and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX has sent document of loan paid in full XX/XX/XXXX. I have dispute this account in XXXX and XXXX of XXXX. The Loan amount {$410.00} placed XX/XX/XXXX. was paid off on XX/XX/XXXX and the closed was closed. Experian Credit report has account open with a balance. I have proof of paid off. Experian has not update this account since XX/XX/XXXX. Account # XXXX : XXXX. Please have account updated as closed and paid in full.

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 2021-09-23 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: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX : my account with XXXX goes into default. It appears on my credit reports under a creditor I can no longer recall. 
XXXX : no collections on my credit reports XX/XX/XXXX : Convergent Outsourcing sends a letter to my current address XX/XX/XXXX : I receive letter, contact Convergent Outsourcing and XXXX XXXX. Convergent Outsourcing says its not on my report and it is from XXXX. Call XXXX and they claim there is nothing they can do or will do to rectify this XXXX XXXX XXXX XXXX : no collections on my credit reports XX/XX/XXXX : collection from XXXX XXXX XXXX Convergent Outsourcing appears on my XXXX and XXXX XXXX. I dispute on both credit monitoring sites. I call XXXX and they claim I am still liable for this old debt. It is dated on my credit report from XX/XX/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 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CO

Complaint narrative:
I received a letter dated XX/XX/2021 stating I owe {$840.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt and requested verification and validation of the debt. I did not receive either. I did not mail certified so that was my mistake. This letter was mailed on XX/XX/2021. 

I then received a letter dated XX/XX/2021 stating I owe {$3600.00} to Convergent Outsourcing for an account withheld per instruction, convergent account withheld per instruction. I disputed the debt again and requested verification and validation of the debt. I did not receive either. This was mailed certified and it was received by Convergent Outsourcing on XX/XX/2021. 

Today, XX/XX/2021, I have received another debt collection letter dated XX/XX/2021 stating I owe {$3600.00} to Receivables XXXX XXXX for account withheld per instruction, Reference withheld per instruction. I will again be disputing and requesting verification and validation of the debt, but this is now the third contact and each time I have disputed and requested verification and validation and I have not received it. This is not my debt. I do not have any accounts with this creditor ( supposedly XXXX ) and the threats of judgment against me after I have complied with the requirements to dispute and request validation and verification of the debt need to stop. It costs roughly {$5.00} to mail certified and I should have received the validation and verification as requested in both my first two letters. Please help me resolve this and not have to continue sending certified letters to dispute for a debt that is not mine. 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 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I locked my rate with Better Mortgage for a purchase transaction. Before I locked my rate, I was matched with a XXXX XXXX XXXX XXXX XXXX and therefore qualified for the Better Mortgage XXXX XXXX refund ( XXXX XXXX XXXX ). The 1 % refund ( {$5100.00} ) was applied shortly after I locked my rate and my interest rate was lowered from 3.125 % with roughly {$4800.00} in lender credits to 2.75 % with {$3300.00} lender credit. Eventually I noticed that the 2.75 % interest rate included {$1800.00} in points. However, the rate table, which is attached, had a rate that included a 2.75 % interest rate with {$700.00} in lender credits. At this point, I contacted my loan officer to determine the discrepancy between the rate that I originally locked at. After some back and forth, my loan officer eventually mentioned that if I wanted a lower rate then I would lose some of the credits. I understand that Better has a policy that provides max lender credits of {$5000.00} for each interest rate but there was no explanation about why they changed the rate table or why I was no eligible for the 2.625 % or 2.5 % rate on the attached rate table.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
We do not have a mortgage on our home but keep getting calls for refinancing. The caller claims to be from Rocket Mortgage, but the Tel # they use, XXXX is the same Robo call I get claiming they are from XXXX XXXX. The caller ID is from XXXX XXXX, FL. I have requested the XXXX XXXX XXXX to put me on their Do Not Call list and have requested they mail me a copy of their Do Not Call Policy. They call me XXXX and my name is XXXX XXXX. I am a XXXX year old widow. These people prey on the elderly and call sometimes 3 -4 times a day. They need to be stopped please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX and credit bureaus reporting this debt as reaffirmed and a balance due. This debt was not reaffirmed. This vehicle was voluntarily surrendered and the balance discharged in bankruptcy. I AM IN ESCROW ON A HOME AND THIS IS AFFECTING MY LOAN.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a returning customer to Capital One. I received a pre approved offer which I accepted. The web site would not allow me to sign in and when I contacted Capital Onbe after one hour on the phone with " XXXX '' I was promised an email from them which I would then be able to send back verification info ( drivers liscence ). Email did not arrive, My credit rating has been reduce due to the hard inquiry and I do not have the promised credit card,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. XXXX and Equifax respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither XXXX or Equifax have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

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 2021-09-23 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: MD

Complaint narrative:
I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local Maryland State Police XXXX XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: MD

Complaint narrative:
I have file one complaint on XXXX XXXX XXXX and today I received a notice that this fraudulent account was updated again and it cost my score to drop. This should be removed from my account as I HAVE NEVER HAD A XXXX XXXX  CARD. I did again reach out to them and if they don't stop this activity I am going to my local XXXX  State Police Troop XXXX and report it. How can they take pleasure in destroying peoples lives? They have failed to provide any of the credit bureaus with information and refuse to send anything to me. They have a XXXX  address and I have lived in XXXX  for 31 years.

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 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On the morning of XX/XX/XXXX my son 's car was broken into and his debit card was stolen and subsequently used at a local XXXX for a {$49.00} purchase. Police were contacted and a report was immediately filed. I submitted all documentation to Chase Bank, however they are not authorizing the credit to his account as they are stating I did not submit enough proof of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: WA

Complaint narrative:
Someone used my stolen driver license to fraudulently rent a vehicle from XXXX XXXX. Unfortunately, the rental car company employee did not properly verify the identity of the person who did rent the vehicle. That person also paid with a stolen credit card. 

I have already discussed this matter with an investigator from XXXX XXXX and another employee from XXXX. Both have assured me that the matter had been resolved. 

Additionally I have sent debt disputes to XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, XXXX. 

Despite the conversations and letters, these companies have continued attempts to collect a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
We have been waiting for this company to get an appraisal on our land home package loan since mid XXXX so we can close. We have done everything we're able to do but because their vendors do not want to drive to the rural property, we are unable to move forward with closing. Our contract on the land is up XX/XX/2021 and we were just informed of their issue in finding an appraiser willing to drive on Monday XX/XX/XXXX. There is a very good chance we will not be able to close on this land home loan because of their vendors incompetence. We've already sold our prior home because they requested to see that loan paid in full. Now we're stuck without a home.

Company response to consumer: Closed with explanation