vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Since you ignored the conditional acceptance/change in terms of agreement for proof of claims, the following will happen : Based on tacit acquiescence the legally binding arbitration award, which resulted from failure to provide proof of claims to the conditional acceptance for proof of claim and change in terms of agreement The contract states estoppel from all activity. Since then, a civil lawsuit was filed by XXXX XXXX XXXX into XXXX County District Court case XXXX. According to the contract you agreed to, estoppel of any matter relating to the conditional acceptance change in terms of agreement for proof of claims based on answering each and every averment based on facts and specificities according to law. The agreement stated that any attempt to bring suit against XXXX XXXX will require 3X amount of claim enforced by agreement. Since you agreed to arbitration in the agreement. You are now liable for XXXX. The agreement you agreed to states 3X the original if parties were to further proceed in this matter without answering proof of claims enforced by the contract. Since then, you have filed a case in XXXX County, XXXX and have ignored the terms of the agreement. This brings your total obligation to XXXX. This amount is legal and binding on all parties who chose to ignore the legal and binding correspondence. Notice to all parties were sent via Certified/Return Receipt for Arbitration. Ignored. The Arbitration concluded on XXXX. The Claimant awarded XXXX. The harassment from XXXX XXXX XXXX continues as they have ignored all facts pertaining to this matter and have breached contract. The amount awarded to Claimant will be XXXX X 3 totaling XXXX now due and owing to Claimant XXXX XXXX. Please send payment to XXXX XXXX XXXX XXXX, XXXX Washington [ XXXX ]. L

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 2019-08-02 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: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from XXXX for an unspecified amount. I represented myself and indicated that not having signed any agreement with Crown Asset management LLC but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was recently taken to arbitration by a third party LLC company who apparently bought my debt of {$4900.00} from Citibank for an unspecified amount. I represented myself and indicated that not having signed any agreement with XXXX XXXX XXXX XXXX but was informed that it is a legal. Would you please confirm if this is legal and what options I have to have this third party cease from pursuing this claim.

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 2019-08-02 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: CA

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX ),

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX 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 2019-08-02 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: CA

Complaint narrative:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX  XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX 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 2019-08-02 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: CA

Complaint narrative:
XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
XXXX  XXXX  XXXX, XXXX XXXX XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP

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 2019-08-02 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 XXXX please remove the late payments reported on these accounts. The late payments reported is incorrect. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it. I ask credit bureaus to investigate and they said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error Please remove the error from my credit report ASAP

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 2019-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/2019 Comerica Bank escheated our savings account with a balance of {$930.00} because of inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 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: FL

Complaint narrative:
In XXXX, 2019 I entered a written dispute with XXXX XXXX XXXX reference account number XXXX as contained on my consumer credit profile at Experian. Specifically alleged, XXXX   XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown third party. Moreover, said account was appearing twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX   XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Experian is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Experian credit report notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PA

Complaint narrative:
I had an unforeseen problem with my mortgage payment for XX/XX/2019. I set up the mortgage payment on the Sunwest mortgage company website for XX/XX/2019. Even tho this would have been 30 days late I was willing to pay late fees. I planned on paying the XX/XX/2019 payment on time. XX/XX/2019, received a phone call from a representative from Sunwest mortgage, in ref to XXXX payment. The rep explained no payment was pending or received. I explained I set up the payment for XX/XX/2019, at that point, I signed into the Sunwest site online. to check the status. No payment was pending, I told the REP I would pay the mortgage now. The REP advised me they block the payment part of there website and I wouldn't be able to pay it online. I told the REP this doesn't make sense to block me from making a payment and this is my complainant. Why would any business make it difficult to make late payments, I could O made my payment over the phone, but I rather make a payment online, I decided to mail the payment in and making it longer for the payment to clear. In the meantime, Sunwest will continue to make collection calls, as a result of blocking the online payment site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX  XXXX. XXXX, XXXX, XXXX, DEPT OF ED/XXXX -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

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 2019-08-02 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: CA

Complaint narrative:
I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..

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 2019-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I made my XX/XX/XXXX payment on XX/XX/XXXX. When our tax refund was received, I made XX/XX/XXXX payment early on XX/XX/XXXX. Instead of applying it as a payment, Mr.Cooper Mortgage applied it as a principal payment. I have contacted their office 3 times to get this problem rectified, It is now hurting our credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: NC

Complaint narrative:
In XX/XX/2019, a computer was purchased from amazon. The item was defective and returned 12 days after in XX/XX/2019 via XXXX with tracking number XXXX. The item was initially refunded and all was well. XX/XX/2019, the credit card was charged again for this item and that is when everything went downhill with chase. Someone had opened a dispute with them and they stated we had to submit tracking information for the return of this item. When there was no response they closed it in favor of the seller. We had no idea that there was even a dispute. The letter received was online and because we did not know there was a dispute, because neither of us recall contacting chase, we did not look at the online letters. If that was the case, we would have promptly provided the documentation needed to be refunded. After talking with amazon and chase for over a month because somehow, a dispute was reopened. Tracking information was provided again and on XX/XX/XXXX, we received another letter from chase stating the charge was valid. After speaking with XXXX with chase disputes in XXXX XXXX Texas, he stated that the charge was valid and deemed valid because the tracking information was not provided in the initial time frame on the initial dispute. Basically, after reopening the the dispute, the tracking information provided on the second time disputed was not looked at and that the only way that we can dispute this again is to write a written letter disputing it and why we are disputing it. This is for over 1000 dollars and tracking information as well as documentation from amazon and the seller provides proof that the charge is not valid. We were not asked to provide any other information this time other than tracking so if the tracking was not going to be enough, I should have been told this one of the 23 times I called about this dispute. This is an illegal practice and there is no legal way that this charge is even valid. Their process for determining that this is a legal charge is not right and should be corrected along with all the time and money Ive spent disputing this charge. The seller stated that the item was returned and that they refunded a smaller portion due to signs of use and the item was working which is not fair either because the item did not work. Regardless I dont have the item!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-02 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have sent THREE letters now to TD Bank regarding an accout they are reporting on my credit report and they have sent me a letter back saying they can not continue with an investigation because I have have not provided my account number, name, address, and last 4 of social. This is NONSENSE I included all this information clearly in the attached THREE letters. This company has failed to properly preform an investigation as required by FACTA 312. I am demanding that this item be deleted immediately. Please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity XXXX & Comenity XXXX XXXX have been reporting this account as closed since 2018. The account was never closed. Purchasing was suspended. I reached out to the company several times and they removed the suspension and I have been using the accounts. However, they still show as closed. I reached out to them again regarding the status and disputed the status with the credit bureaus only to have them still report as closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
my credit card was compromised with XXXX XXXX and XXXX  XXXX sold the account to resurgent. XXXX XXXX refuse to validate account but did remove their trade line from. with the 3 credit bureaus XXXX debited the credit card onXXXX and on XX/XX/2015 which is un authorized charges. I had credit protect on this credit card account and credit monitoring. I contacted resurgent with letters showing that I did not authorize these charges. I went into the purchase page for XXXX and to see that there was no debit from them on XX/XX/2015 but a purchase debit for XX/XX/2015. but 2 debits appeared on the account I am disputing with resurgent who now reports to the credit bureau. I did not authorize these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a car loan through XXXX XXXX XXXX XXXX. 

They are reporting XXXX, XXXX and XX/XX/2019 payments as being late. 

I have reached out to them with proof of payment but still no change. 

I have conducted multiple disputes with Experian ( credit reporting ) with NO update or change. 

This is preventing me from obtaining a home loan and I need assistance getting this information updated.

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