vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
On Thursday, XX/XX/2019 I received a letter from Debt Recovery Solutions regarding an alleged debt they were trying to collect for XXXX. I called the phone number stating I have never done business with either company. Debt Recovery Solutions had MY vital information including my social security number. I then contacted XXXX account services, and they provided me with information on the alleged agreement including a DOB and a Social Security number that belongs to MY FATHER, not me. My father and I share a name, he obviously is XXXX, and I'm XXXX XXXX has the correct information, whereas their debt collector Debt Recovery Solutions has unlawfully obtained my social security number and somehow are trying attach it to this alleged debt. I contacted Debt Recovery Solutions informing them of their blatant irresponsibility and contacting /harassing the wrong person. They demand I make a police report, and refuse to correct the issue. They need to be investigated thoroughly for their unlawful business practices. This is not my debt, nor has it ever been my debt. To date they have refused to provide me with the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In 2017 I initiated a credit freeze or alert with Experian. At some point I created an account with log-in ID but can not locate the info. This month I have tried to open a new credit card, but can not do so because of the Experian freeze and that a phone number was not associated with the account. At one point, I was able to reach someone at Experian and gave my phone number to attach to the account. Per XXXX XXXX, the application will still not go through because of no phone number attached. Now, I am unable to reach anybody at Experian. There is no way to obtain online help unless one can log in. When I click the " forgot login '' button, there is a message that the information was sent to my e-mail account but it is nowhere to be found including my spam and trash boxes. I have tried several phone numbers for Experian but can not reach a human to talk with anymore - only various dead-end options with the voice menu. In the meantime, I also received an e-mail from Experian that there are results of my " dispute ''. When I enter the case number from this e-mail, it does not work. I am not aware of any " dispute ''. Right now, I am unable to open a new credit card because Experian has me frozen and it is impossible to reach them.

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 2019-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I keep paying my loan to Navient. In fact more than what is owed. Today XX/XX/19 I was woken up at XXXX XXXX  then they called every hour till I finally answered at XXXX XXXX. When I did they started saying I didn't pay but I had records from my bank I did pay on the XXXX. They looked back and seemed I paid. I asked why they are calling if I am up to date and they couldn't give me a reason. I don't appreciate them calling me that early, plus I work nights and this degree got me nowhere. On top of it I never got noticed that Salley Mae sold my loans to them. This is agrevaiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/XXXX midland credit management submitted alegal order debit to XXXX XXXX XXXX where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX last year I visited Chase Bank Branch XXXX located in XXXX XXXX XXXX XXXX CT. I deposited XXXX Chilean pesos that at the change of that day I should have received over {$2.00} US dollars the girl at the bank said I would get {$2.00} I agreed thinking how hard could be getting to change that money in this area. Around XX/XX/XXXX I found out the bank took {$1.00} US dollars because of a miscounting but I know what I deposited I know how much money I had. Nobody wants to review the cameras I got a police report but they only want an order from a lawyer. This entire situation is making me feel sick. I can't afford a lawyer for this and it's no fear the Bank take my money and the only solution is that I need a lawyer to review the cameras. I found my deposit ticket and I noticed the cashier at the Bank even said that my deposit was XXXX instead of XXXX I remember correctly that we counted 18 groups of {$100.00} each. The money I deposit was in {$20.00} and {$10.00} the bills of {$20.00} have an orange colour and the {$10.00} are blue. On my last call with the manager, he mentioned that they counted 50 {$20.00} bills which makes XXXX Chilean Pesos, but he never mentioned the {$10.00} bills I know there was a mistake and its no fear that I have to live all this stress. I dont know where they lost my money but I know what I had in my hands. Nobody goes to the bank with that amount of money without knowing what they have Do you think you can help me? 
My name is XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 I attempted to pay my mortgage at a TD Bank Branch. The mortgage payment coupon/slip clearly states " Mortgage Payment ''. It also has a part for you to add additional principle or additional escrow and to total. I added an additional XXXX towards my principle. The transaction took quite a while and included four members of the staff including the manager. I heard them clearly state to put the amount of XXXX in the extra principle field. I received a simple receipt stating I made a " LOAN PYMT '' in the total of my normal payment plus the XXXX extra principle. 
On XX/XX/2019, my account had not been properly credited. The online account showed there was a Misc Receipt made on XX/XX/2019, and the outstanding balance of my mortgage had not reflected ANY payment since the prior month. 
I went back to the branch that day and spoke with the manager, XXXX XXXX. She was one of the employees present when I attempted my payment. While with her, she contacted her account support by phone. They said my payment was used as a pre-payment for future mortgage payments, NOT as a normal mortgage payment with an extra principle deposit. Ms. XXXX explained how the local branch put applied the payment accordingly and was told something went wrong. She was reassured the issue would be corrected that evening and the change would show the next day. This change would also reflect the payment was made on the XXXX XXXX. Ms. XXXX suggested in the future I write two checks and make separate payments to my mortgage if I want to pre-pay my principle. This is a bit odd as the mortgage coupon/slip and the banks system has a spot for me to make an extra principle deposit. I was also told by Ms. XXXX that she would follow up with my payment and contact me the next day to ensure it was done properly. I have not received any contact from TD Bank as of yet. 
As of today, XX/XX/2019, my account has NOT been updated. This costs me the daily interest accruing on the mortgage. It is very wrong for a bank to treat its customers this way. I do not blame the branch employees, as they did what they could have to make the proper payment. Requiring me to write separate checks to make extra principle payments should not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16 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: LEXISNEXIS
State: GA

Complaint narrative:
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
ABR Recovery LLC Is trying to collect a debt on this companys behalf XXXX is the orginal creditor - I have reached out to both companies and have come to know solution as of yet I have just recently filed a complaint with the XXXX of New York against ABR Recovery LLC.  The amount that they are trying to collect on behalf of XXXX is {$1100.00} - I need debt validation under the FCRA. Each time I tried to reach out to this collection agency I get several different false replies which leads me to believe that this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: KY

Complaint narrative:
I was issued a check from a class action lawsuit that was sent, and cashed by my son XXXX XXXX XXXX. The check was from my bank account, he's never had one. Can you cancel the check and reissue it to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: Innovis
State: GA

Complaint narrative:
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information 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 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX submitted alegal order debit to XXXX XXXX bank where I have a small savings in the amount of {$4.00} they told me this was for an old account in XX/XX/XXXX I have no knowledge of but they sent papers to me on XX/XX/XXXX in the name of XXXX XXXX. I live on a fixed income and Im elderly and I dont need these people taking money from my account please help me if you can

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
Freedom Mortgage services my account. The account said I owed XXXX. I paid {$1600.00} dollars. They Credited the account. When I got onto the web site it had credited the XXXX but said I still owe {$520.00}! My escrow amount isXXXX. 

I called the company for an explanation on XXXX XX/XX/2019 at about XXXX XXXX. XXXX ( # XXXX ) had no explanation. 

I have not had an explanation on how I can pay off the principle and yet owe more money on the principal. 

He said I needed to have a " payoff amount '' calculated and that there would be a a {$30.00} charge. I asked the reason and he said it was the " law ''. I asked for him to quote the law. After about 20 minutes on hold he told me THERE WAS NO LAW. That the company charges loan payers that amount to tell the payer how much the mortgagee has to pay the servicing agent to pay off the loan.

This is obvious fraud as I was told the amount to pay off the loan is one thing and suddenly another loan principle appear. Further the agent for the company lied that there was a law and then there was no law.

I fail to see why I should pay a company a fee ( read profit ) for them to tell me how much I owe.

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 2019-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
Nationstar Mortgage LLC, dba Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX TX XXXX sent me an incorrect form XXXX for tax year 2018. Box 5 Mip states {$540.00} which is incorrect It should be {$1100.00} which is confirmed in my escrow statement. Customer service agreed with me. 
I received the form XXXX on XXXX and I called Nationwide on XXXX Cooper sent me RESPA notice of 45 days to respond. It is now past 45 days and I want action as I need to file tax returns. Cooper has slowed walked my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone open a fraudulent account with my name and social security i was not aware of the issue until i tried to open a bank account date report XX/XX/2014

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 2019-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, The reason for my dispute is EOS CCA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).  However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, EOS CCA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of New York allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) EOS CCA failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation EOS CCA is held liable as well for defamation and in the state of New York. EOS CCA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I've been getting repeated charges from XXXX XXXX for XXXX monthly. I first realized this over the summer and submitted a fraud claim to Bank of America. they stated they would look into this and would give me a temporary reversal. In XX/XX/XXXX/XX/XX/2018 they said that they were reversing the claim due to the fact that I check my bank account hundreds of times during the 3-4 months and that there's no way that I didn't know about it. I told them that I don't check my bank account even weekly and never have so that is very suspicious behavior. They refuse to give me back the credit and block the company from charging me, currently I am getting 2 charges a month that can not be blocked, most recently today and now my account is in danger of overdraft fees that are a result of unauthorized transactions. The bank refuses to allow me to close the bank account as they claim that once the account is close they can not refund the money 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 2019-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: WA

Complaint narrative:
I was asked if it was me. I then asked them not to call me at work. I asked them to send me mail regarding account and was told they tried mail with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX a letter was sent to Portfolio Recovery asking for verification of debt, delivered and signed for on XX/XX/XXXX. A second letter requesting verification of debt was sent on XX/XX/XXXX delivered and signed for on XX/XX/XXXX. On XX/XX/XXXX a Summons [ VIOLATION : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ] was filed regarding this debt which should have been placed as disputed, I signed for this Summons the last week on XX/XX/XXXX. The verification of this debt had not been received by the date of signing and still to this day. 

In the Summons, COUNT I, 10. Statement : " That Defendant 's payments and/or failure to successfully question the state of the account within a reasonable amount of time constitutes an admission of correctness '' is a Violation of Fair Debt Collection Practices ACT. The failure of a consumer to dispute the validity of a debt may not be construed by any court as an admission of liability by the consumer. 

Exhibits : **Not Identified Specifically as Exhibits** ( 1 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX, does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 2 ) Forward Flow Receivable Sale Agreement dated XX/XX/XXXX Closing Date : XX/XX/XXXX does not state the agreement is specific to my alleged debt to the " Seller ''. The Bill of Sale only shows a TXT file number [ " XXXX '' ]. The aggregate Unpaid Balance of the Accounts as of the Cutoff Date ( XX/XX/XXXX ) is missing. 

( 3 ) The Affidavit attached appears to be signed by the Custodian of Records, for Portfolio Recovery Associates LLC and notarized by another employee of the company on XX/XX/XXXX, is misleading. The notarial act [ " Subscribed and sworn to before me on XX/XX/XXXX of XXXX '' ] is missing several items of TRADITIONAL information, which is " required by law '' per the Handbook for Virginia Notaries Public. With this missing information the signature of the Custodian of Records and date on The Affidavit attached, is not verifiable evidence. 

By filing this XXXX, XXXX XXXX XXXX, XXXX. has violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, along with the local State Laws as well as their Plaintiff Portfolio Recovery has.

Company response to consumer: Closed with explanation