vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX for XXXX XXXX. Long story short. I did not use them at my new address and they charged my account for an early cancellation fee in XXXX.In XXXX I went to their website and chatted with one of their reps. He waved the Cancellation fee and told me that it would be taken off my account. In XXXX I checked my credit report and it was on there anyway. So I tried to explain everything again to XXXX XXXX   and got nowhere. I told them that I have the chat response of the customer service rep that said that the fee was waved and would not be on my account. Still I got nowhere with them.. XXXX XXXX is refusing to take it off. Which I don't understand. I was just rejected by them on XXXX XXXX. Even after they read what the customer service rep wrote.

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 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX for 30 days late? XX/XX/XXXX/XX/XX/XXXX for 30 days late? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXXXXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 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: UT

Complaint narrative:
XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

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 2019-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.

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 2019-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Automated payment for XXXX Car insurance in the amount of XXXX was cleared and I made a transfer from savings account to checking a account to cover the cost. Despite my actions to prevent an overdraft fee, the bank charged me regardless. Upon contacting the bank to resolve issue, they agreed that I was getting charged overdraft for a transaction that I shouldnt be charged for. Nonetheless the bank refuses to reverse overdraft fee because my account is ineligible for overdraft reversal regardless of the fact the fact that I took the necessary actions in good time to prevent the fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: TX

Complaint narrative:
I was mislead about different fact about my loan. I was very clear that I wanted the loan to reside with a local person in XXXX. Was also clear that I did not want my loan sold to XXXX XXXX. 
PrimeLending was not local to XXXX, they are a national loan organization. And they said theyd service my loan. The term service must mean different things to different people because to me that means they will hold the note and not sell it. 
They ended up selling my loan to XXXX XXXX. I will not have a mortgage owned by a criminal organization. So now I have no recourse but to sell the house I just bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
On XX/XX/2019 I received a notice that I needed to make a minimum payment on a Gap card I never opened. 3 weeks ago I had been in store using my new XXXX card to make a purchase and the associate said she couldnt find the card in the system. I called XXXX to verify my card was working and was told it was, so the associate took my information to manually look it up in the system. To my knowledge, it went through as I paid and left with my items. However, after calling Gap to question why there was a card open, it appears the associate just opened me a store card without telling me what she was actually doing. XXXX is affiliated with Gap so I should have had no trouble using my card and dont understand why this happened. I called Gap and they said I am responsible for the Gap card now even though it was opened under false pretenses.

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 2019-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I have Mr. Cooper as my mortgage banker. I had no choice in picking them due to home mortgages being resold multiple times. 
I have been making payments on time through ACH and have never been late or missed a payment. 

On XX/XX/2019 there was *THEFT* of {$590.00} by Mr. Cooper by way of unauthorized direct debit to my account sending my account balance into below minimum levels. 
When I followed up I was told by my bank that it came in with wrong account number but all other details matched hence it was applied to my account. 

Called Mr. Cooper and was told that it was a mistake on their part without any explanation! Then after a long frustrating wait I was told that the transaction would be reversed in 24/48 hours. On XX/XX/XXXX when I logged into my account it showed as " Unapplied Funds ''!! Called Mr. Cooper again and I was told after a long wait that they have just sent it by wire! 

I am suspecting Mr. Cooper to be indulging in organized crime by STEALING random amounts from their customers and then refunding to those who catch them. WHAT ABOUT THOSE WHO DO NOT CATCH IT? 

**THIS COULD BE AND ORGANIZED CRIMINAL ACTIVITY BY MR. COOPER WHERE THEY ARE STEALING MONIES FROM THEIR CUSTOMERS AND INTEREST FROM CUSTOMERS WHO CATCH THEM** I would like FBI investigation into Mr. Cooper 's operations to ensure that this illegal criminal activity is stopped with appropriate punishment and penalties. 

When a consumer makes a mistake these mortgage bankers pile on predatory fines and interests to push them into default and feed on them like vultures. In all fairness Mr. Cooper should be penalized proportionate to their income! 

All customers of Mr. Cooper need to be notified of this and asked to check their accounts too,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges. 
2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges. 
3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges. 
4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX. 

All of the above items have been uploaded with this complaint. 

There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections. 

I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. 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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had recently filed complaints against Bank of America about taking {$5100.00} from an unrelated business checking account I had with Bank of America. Yesterday, as I had gone to my PO Box to see if my new car registration came, I find a certified mail notice and I learned that Bank of America has filed a lawsuit against me for a personal credit card ending in XXXX for an unpayed debt. I had let them know that I had run into financial trouble last year due to the terminal illness of my mother. I had also let them know that I would not be able to pay them until either my mother either got better or passes away. She did pass away on XX/XX/XXXX of this year. I also had overwhelming expenses encurred due to my not being able to work as much as I was able to normally because I was busy caring for my mother. I was also paying some of my mother 's debts, such as over {$300.00} per month for a SOFI loan she had taken out and other expenses. Since her passing, I took on two other jobs along with my current job to cover existing credit cards and getting my business back in order. The actions taking by Bank of America, and Mr. XXXX XXXX, an employee of Bank of America or one of FIA 's subsidiaries gives me the impression that Bank of America enjoys engaging in schaddenfreude or the pleasure in the misery of people who come onto financial problems due to an illness or death in the family. I had no idea that a bank could stoop so low as to sue someone knowingly, that they have a death in their family. I truly believe that Bank of America wants to render indegent those who owe them a debt. They are a merciless and vindictive organization and after reviewing cfpb.gov and usa.gov and becoming enlightened in all the dirty deeds Bank of America has been involved in, I feel it's high time that the CFPB takes punitive action against Bank of America and shut down all their operations on the territory of the US before they hurt other people. I am also contacting my congressman 's office. I am uploading some court documents with this complaint.

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 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity 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 2019-09-12 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warnings is reporting a XXXX XXXX XXXX bank account that states that I interacted with the account in an unauthorized or prohibited manor. There was fraudulent activity on my account, my wallet was stolen and it was not me who interacted with this account. I sent the police report to early warnings but they claim that there is no new information about this account. In XX/XX/XXXX and XX/XX/XXXX, I sent a letter asking the method of verification used to obtain the results of their investigations. Both times, they have failed to provide me with the requested information. I have also attempted to reach the bank by sending a letter to the address provided by Early Warnings and I have not received any response from XXXX XXXX XXXX. I have attached all documentation received and sent to Ealy Warnings, including a copy of the police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Select Portfolio Servicing supposedly took over the Servicing of a purported mortgage in my name around XX/XX/XXXX. Select Portfolio Servicing ( SPS ) misled me by telling me I had to miss three consecutive monthly mortgage payments to be eligible for a loan modification after my monthly payments more than doubled and the housing crisis caused the value of my home to plummet to less than the amount I purchased the home for. Despite numerous applications for a loan modification, demands to see the wet ink note under MA law, attempts to resume monthly payments, Appeals, and more, I was put through such a nightmare of constantly submitting, resubmitting documents, dual tracking, unfair debt collection practices, and an unlawful foreclosure auction held on XX/XX/XXXX.on my  property. SPS is a debt collector unable to foreclose on property. They are not licensed in MA, They have foreclosed on numerous properties in MA and are still in the process of foreclosing on other properties. They represented themselves to me as a servicer for a purported mortgage in my name held by XXXX XXXX, yet XXXX XXXX, XXXX. has no records of me. My original mortgage was two subprime mortgages with XXXX XXXX XXXX   100 % of the purchase price of the property with adjustable rate mortgages. One, with a  balloon payment, which was not explained to me. XXXX XXXX XXXX XXXX went out of business around XX/XX/XXXX. Supposedly, my mortgage was transferred to XXXX XXXX, as trustee for XXXX XXXX XXXX, as mortgage backed securities XXXX without my consent. The recordings at my local Registry of Deeds on the transfer of assignments are signed fraudulently by known robosigners and are self-serving. These records are now being used against me in a Court of Law to obtain possession of my home and evict me. I am a XXXX widow trying to defend myself in a Summary Process eviction attempt. The XXXX and intentional infliction of XXXX XXXX thats been inflicted on me by Select Portfolio Servicing has created severe health problems for me causing me to miss Court deadlines and hearings. There are numerous issues of law involved including contract law, unfair debt collection practices, illegal securitization, illegal foreclosure and fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CAPITAL ONE BANK USA NA is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in JXX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity 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 2019-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CIG FINANCIAL LLC
State: FL

Complaint narrative:
CIG Finance Repossession in XX/XX/XXXX - no disposition of the vehicle has ever been reported ( was it resold, etc ) Account was inactive through XX/XX/XXXX. XX/XX/XXXX company fraudulently added that account was positive in XXXX, that payments made - that is incorrect. They then added additional charges - {$320.00}, as if the account was active and now it reports as if payments had been missed. the DLA ( date of last activity is XX/XX/XXXX ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Recovery Solutions, LLC
State: TN

Complaint narrative:
On XX/XX/2014 I went into the Emergency room. I was uninsured and when I received my bill it was {$420.00} and the other amount was written off as " Contract Adjustment Below is  the definition of Contract Adjustment. 

A Contractual Adjustment is a part of a patients bill that a doctor or hospital must write-off ( not charge for ) because of billing agreements with the insurance company. Adjustments, or write-offs, are the dollars that are adjusted off a patient account for any reason. The Contractual Adjustment is the most common type of adjustment. 

Now thud company Debt Recovery Solutions , LLC is trying to collect on the Contract Adjustment. This is the second company that has tried this they even dinged my credit but XXXX XXXX took my side on the dispute and removed it from my credit report. 

The company has even sent me proof that there is a XXXX Balance but claim they want they want me to pay the Contractual Adjustment amount. I have sent then proof from the Hospital but they refuse to stop collection.

Company response to consumer: Closed with explanation