vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-18 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have sent in letters asking to verify this debt and I have not received accurate information matching this debt to me. Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MI

Complaint narrative:
Debt was not owed. Company has been reporting false information on my credit report.

Federal law provides that it is a crime to violate the Rights of a citizen under the color-of-law. You can be arrested for this crime and you can also be held personally liable for civil damages.

Attempting to cause a person to do something by telling that person that such action is required by law, when it is not required by law, may be a felony.

18 USC 242 provides that whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States ... shall be fined under this title or imprisoned not more than one year, or both.

18 USC 245 provided that Whoever, whether or not acting under color of law, intimidates or interferes with any person from participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; [ or ] applying for or enjoying employment, or any perquisite thereof, by any agency of the United States ; shall be fined under this title, or imprisoned not more than one year, or both.

42 USC 1983 provides that every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
In the late spring of 2016, about a month before getting ready to celebrate paying off my car loan, after six years ( last payment was to be made in XXXX of XXXX ) I received a letter from the bank telling me that I owed an additional {$600.00}, a total of a little over $ 900.I was in shock. I wanted to know how this could possibly be. I found out that it was some kind of compounded principal that I owed from putting the loan on hardship deferral a few times which was completely allowed. However, I was never told to expect this and they demanded the money in a month from XXXX or it would go on my credit report. I had just coincidentally got laid off from my eight and a half year job. I fought and fought this to no avail. They would not reduce it either. I told them that if they did not do something and it ended up on my credit report, I would never pay it. They marred my report and as promised, I did not pay it. I could not believe however, that this bank was still holding my title, stubbornly all these years. Finally, I had to get rid of my car which unfortunately broke down. I wasn't sure what I was going to do but in the interim, I was in touch with the Department of Financial Services. I spoke with them at length about this case and they investigated over at least a year. An expert there told me that the bank could not sell this to a collection agency or " write off '' the debt or they would have to give me the title. Of course the bank knew this. As said, I had no choice, in XXXX to get rid of the car as unfortunately, the transmission went. In order to junk this car I needed the title. I settled with them for {$150.00}. I guess that might be considered okay after three years but when I recently looked at one of my credit reports ( I believe XXXX XXXX ) it clearly states that the debt was charged off and " written off. '' It clearly states this and I am pretty sure that it was on there before I settled. So, they did write it off? If that is the case, then they were supposed to release my title and I never should have paid them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : ENHANCED RECOVERY CO. # XXXX, demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
I was going over my credit report FRAUDULENT ACCOUNTS and I seen unauthorized ACCOUNTS that THE FOLLOWING ACCOUNT IS NOT MINE : MERCANTILE ADJUSTMENT BUR # XXXX demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
I had an issue about a 'returned payment charge ' of {$20.00} with XXXX Visa XXXX card issued by City National Bank . 

On XX/XX/2019, I received a mail from City National Bank that they will transfer their website from the old one ( creditcare.cnb.com ) to the new one ( cno.cnb.com ). Then I followed their instruction to setup my account on their new website. Please note that the old website does not allow me to setup autopay, so I had to schedule the payment every month. Also, I noticed that the account on new website does have autopay setup, so I setup autopay immediately to avoid late payment. However, I didn't remember if I scheduled the payment for XXXX XXXX statement or not, and it didn't show up on the new account. And I assume the system should handle that with no problem. 

But I am wrong. The system tried to make duplicate payment for the statement of XX/XX/2019, with the amount {$920.00}, on both XX/XX/XXXX and XX/XX/XXXX. However, I didn't have enough money in my checking account ( of course because I didn't know they will make repeated payment ) and charged me a {$20.00} 'returned payment charge '. 

On around XX/XX/XXXX, I called the customer service and want to get the fee refunded because it is not my fault. They said they will contact the one whom I applied the credit card with. However, it has been one month and I haven't received the refund yet. I don't want to call them again and spend a lot of time to explain the whole thing. So I'd like to ask for help from CFPB. Thanks for your kind help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: NC

Complaint narrative:
Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC 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 2019-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My XXXX XXXX XXXX was totaled in an auto accident on XX/XX/2019. This was on a 36 month lease and I had put {$7000.00} down and had prepaid my monthly lease payments until XXXX of XXXX. My insurance company, XXXX, allowed me to secure a rental vehicle for two weeks. Unfortunately, at the end of the two weeks, I still did not receive any settlement on the vehicle and any attempt to get a straight answer out of XXXX leasing was futile. My insurance company received a payoff amount of {$22000.00} from XXXX leasing which was sent to them mid XXXX. To date, three calls were made to XXXX leasing on my behalf to obtain information on how I can be made whole on this accident. They keep telling me that it will take 90 days before this will be settled. Here are the issues I would like resolved : 1. Since this lease had Gap insurance, it was my understanding I would only be responsible for the residual value of {$19000.00}, then why did they request a payoff amount of {$22000.00}. 
2. Why is this taking so long to settle when my insurance company has already settled with them. 
3. Why are they continuing to take out the monthly lease payments when they already received the payoff. 
4. How can a customer be made whole and proceed with replacing this vehicle when I am not receiving settlement funds to do so. 
Thank you ... XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX , WA XXXX E-mail : XXXX KIA Finance XXXX XXXX XXXX XXXX , TX XXXX Account Number : XXXX Phone : XXXX Total Loss Department Phone : XXXX Customer Service

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 2019-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom this may concern, After opening a U.S Bank Business Checking and Savings account, with promotional code XXXX. I was told that in order to qualify for this promotion, I would need to do the following : " U.S. Bank is offering a bonus of {$400.00} when you open a new business checking account and complete the following requirements : Mention promo code XXXX Complete {$5000.00} in new money deposits within 30 days of account opening '' After opening up my account on XX/XX/2019. The banker who was assisting me told me that after opening both the checking and savings account, and depositing XXXX or more into the checking out, I would be paid a bonus of {$400.00} dollars deposited to my savings account within 60 days. 

I then proceeded to deposit the money off {$5000.00} on XX/XX/19. After waiting over 60 days I still did not get any type of bonus for on either one of my accounts. 
After contacting US Bank support, I was told that I was not eligible for the promotion due to not signing up during the promotion timeframe. Unfortunately their claim is not valid, since the banker, selected the promotion code as an option to be applied to my account and the end date for this promotion on his screen was TBD. Since expired promotion codes can not be applied after expiration date, the original support representative claim is therefore false. Since the branch where I signed up for the promotion offerings has closed down and the branch manager who signed me up has left the company, my only choice would be to file a complaint. I have since taken other measures complimentary to the complaint where I reached out to was to my local branch and they have filled a request : XXXX I hope that this issue can get promptly resolved, where I can still have satisfaction in doing business with U.S Bank.

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 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: NC

Complaint narrative:
Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NC

Complaint narrative:
Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NJ

Complaint narrative:
To Whom it may Concern : MEDICREDIT Corporation # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documentS and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward XXXX XXXX XXXX : White v. Hart, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 
Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. 
I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX  XXXX  XXXX that gave you the right to collect this debt.

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 2019-11-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a Bank of America small business account, from the start it was a nightmare. Bank of America immediately began drawing fees from the account like scavengers to decrease the deposits to a position that they could rake in fees. It was contrary to what I was explained during the opening of the account. On four occasions I had to waste time returning to the bank and discussing the agreement with my assigned adviser. They did refund some of the fees, yet started the whole process all over again, and again. Finally, fed up with the situation, I tried on multiple occasions to close my account. It seemed like the account would keep coming to life with some type of new fee which kept it opened. I would pay the fee and attempt to have it closed, but to no avail. After much run around, I thought I finally closed the account after bouncing around from this person to that person in the " business account department '' in XXXX, NC. I had them take the final " fee ' {$9.00} from a {$200.00} credit that they were holding on another " closed '' account to cover and remedy any payment owed. They did take the money and credited me a refund minus the applicable " fees ''. Subsequently, the account was marked as being closed. However, it was not closed. They simply hid the account from my access by removing it from my online banking account portfolio. This was done as they secretly kept the account open and carried a balance of {$9.00}. This balance allowed for a new series of fees to be generated. And, on XX/XX/2019, they mailed a statement to me indicating I owed them new fees in regard to a closed account, thus starting the process all over again.The total I owe according to the statement is {$10.00}. When I called and inquired that day, their automated system would not let me speak to a representative. Apparently, the advertised XXXX is non-existent. The automated service states after much time and effort that " there are no representatives because they are closed ''. The automated system also, informed me that the fee if not paid will be inflated to {$20.00}, apparently compounding by {$10.00} per billing cycle. It then dumped me out of the system and hung up. I am perplexed as to how and why Bank of America is not held accountable for their criminal behaviors under the guise of civil practices. I now realize that I was truly defrauded by their practices. I request an investigation into their deceptive practices to see if others are being victimized by this same scam.

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