vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Please Im asking CFPB for your continuing help as you all have done so well in assisting me with the companies in getting the information that I needed to present to the court for the alleged mortgage loan real estate fraud. Select Portfolio Servicing has accelerated late fees in which whenever a dispute is being made a late fee is not  supposed to charge and increase mortgage loan payments when my property insurance ( escrow ) went down but my mortgage payments accelerated from {$1000.00} to {$1100.00}. Attached is a copy of US. District Court Southern District of Florida ( XXXX XXXX Civil Docket For Case # XXXX XXXX XXXX XXXX Select Portfolio Servicing . I want to settle this mortgage loan situation so if possible that XXXX XXXX in the Settlement for Mortgage Regulation can assist me with this case, because I dont have the funds to obtain a lawyer, Im very limited on funds because I receive XXXX social security check. You all have all the information and documents that was sent to you from XXXX XXXX XXXX, XXXX  XXXX XXXX and Select Portfolio Servicing. Also review fraudulent activity on FHA Connection lender query

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Several weeks ago on a Saturday morning on XX/XX/20, my husband and I awoke to our bank accounts being frozen without warning by Chase. The accounts frozen were his main account and our joint. My husband is a XXXX XXXX XXXX XXXX XXXX. Chase claimed the accounts were " restricted, '' but they were in fact frozen. They would give us no information, only told us to show up at a branch Monday morning and fill out tax paperwork and bring identification to prove my husband was who he was. They held his paycheck ( automatic deposit ) until Tuesday, and turned away every auto bill that tried to clear ( it was the end of the month so first of the month bills were trying to clear ). Cards didn't work, transfers were not permitted. All in all, they froze {$5000.00}. 

On Monday morning, we arrived at the branch, provided them with their required tax paperwork, filled out their forms, let them take copies of passports, ss cards, DL 's, XXXX, and even a tax return. They claimed after all this was all being done because someone may have stolen my husband 's identity. They said the " restriction '' would be lifted by Tuesday. It wasn't. We called. They said " Thursday now. '' Thursday came and it was the 1st. All my bills were due. I went back to the branch and demanded my money. The bank manager released it to me and I pulled all my savings ( from another account out as well ). They didn't unfreeze the accounts for another day.

We never received a " thank you '' an explanation a nothing from the bank. Yesterday, XX/XX/20, we received a packet from the bank demanding my husband fill out tax form W-8 now and if he doesn't comply, his accounts will be closed ( and I assume frozen again ). Tax form w-8 is for NON-LEGAL ALIENS, not for LEGAL PERMANENT RESIDENTS OR CITIZENS!! The only income we receive is his direct deposit from the same job he has held for almost 10 yrs here, which is a large American Company. I receive SSDI for I am XXXX. 

I feel we are being more than harassed by Chase bank. We will NOT be complying with this current request because even the IRS.gov web site says my husband should not comply because he is NOT an illegal nor does he own overseas bank accounts or receive overseas monies. At this point, I will be closing my accounts, but I will also be consulting with an attorney as the letter Chase sent said something about my husband 's payroll deposits being subject to an additional 30 % tax!?! We're good ppl. We pay our taxes ( even receive receipts and a thank you for paying from the IRS ), pay our bills, abide by the law. This harassment and bullying can't be tolerated and surely doesn't seem legal without a warrant nor even a letter. Why does a bank have so much power? It is my opinion Chase is actively engaging in discrimination against immigrants and US citizens who are married to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I cant even explain all this OK what happened was this my account was in the positive I didnt even have a card because I told them they were unauthorized charges and then I got a new card my card was in the positive and then I got a new card I havent use the account since that. The new card came and Im - {$120.00} then I havent use the account since then then all of a sudden its now - {$550.00} then today it was XXXX some dollars it doesnt make any sense and Ive lost hundreds of dollars on this Chime account and I need help and I dont know how to get a hold of anybody Ive contacted them and I get no reply

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: EQUIFAX, INC.
State: MT

Complaint narrative:
In XXXX of XXXX I locked my credit report and received a letter from Equifax describing how to unlock the credit. They have changed the process without noticing me and now I find out that I am unable to unlock report without sending them additional information and wait an unreasonable amount of time. They were unhelpful on the phone today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dovenmuehle Mortgage, Inc.
State: WI

Complaint narrative:
In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and XXXX XXXX XXXX XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with XXXX XXXX of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through XXXX XXXX and showing in all XXXX XXXX records. 

XXXX XXXX has transferred servicing of loans to a company named Dovenmuehle Mortgage Inc. ( DMI ) representing XXXX XXXX. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from XXXX/DMI, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by XXXX XXXX ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any XXXX XXXX phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the XXXX XXXX XXXX in XXXX WI and are showing as accepted by XXXX/DMI. 

With every phone call the XXXX/DMI representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by XXXX/DMI, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc.
State: AZ

Complaint narrative:
On the date of these purchases that wiped out my available credit line. I did not set foot in conns furniture and make these purchases maxing out my credit line. 
A woman named XXXX posed as me because she had stolen both my identification card and my social security card and went into the conns on XXXX in az on the date I was in jail. Also the employee at conns furniture allowed someone else to make purchases on my account. These are not my purchases. I would never of maxed out my credit line out of the blue on these items. 
They have cameras please check the cameras on this date. I want this looked further into. I had also made a police report a week or so afterwards. Its been a few years dont recall exact date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The erroneous information on my file is absurd, and I here by dispute all these accounts.

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Medical Administrators, Inc
State: OH

Complaint narrative:
In XXXX of 2020, I began to fill out a 'solution for pain relief ' online. I had filled out the majority of the required information, but decided against the product, backed out and never submitted to finalize the transaction. 
In XXXX of 2020, my husband and I got several harassing phone calls from National Medical Administrator , Inc., saying that we were late on payment for a medical bill of some sort. They said that we owed {$230.00}, but would not indicate from whom this bill originated. 
I told her I had no intention of paying a bill that I had no idea what it was. Begrudgingly, she did tell me that it was XXXX XXXX, then provided me with a phone number to reach them after more prompting. 
However, i got online and found another phone number for TRS which I used instead, because I didn't feel I could trust the information she provided. 
I spoke with XXXX at XXXX out of Florida XXXX XXXX XXXX XXXX XXXX ... He told me I had ordered a shipment of XXXX XXXX, & XXXX XXXX  for {$110.00} EACH totaling {$230.00}. 
I asked him to check his records as I had never placed an order with them, nor had I ever received any of this product. He claimed that he had no way of accessing these records since it had already been forwarded to collections. He said I would have to take it up with the collections agency, since it was out of his hands. 
In early XXXX is 2020, I received the FIRST physical communication from National Medical ( see attached ) We're currently stuck in a loop between these two parties concerning a bill due for product that I never ordered, nor received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
In XXXX after 2.5 years of negotiating while considering bankrupcy, we finalized through our lawyers and BMO HARRIS representatives XXXX XXXX of XXXX & XXXX for a Settlement Forbearance on our 3rd mortgage with BMO HARRIS of XXXX settled for XXXX with XXXX down and 60 payments of XXXX. 

We have made every payment on time and continue to do so as recorded on every statement of ours through BMO HARRIS and showing in all BMO HARRIS records.

BMO HARRIS has transferred servicing of loans to a company named XXXX XXXX  XXXX ( XXXX ) representing BMO HARRIS. 

Since this transfer occurring in XXXX of XXXX we have received through mail and multiple phone calls from BMO/XXXX, requests for, with total disregard or acknowledging a former agreement ( with payments made and accepted to and by BMO HARRIS ), for the full amount. 

There is no longer any communication available or successful with our former contact of XXXX XXXX or a successor on any BMO HARRIS phone line, extension or email. 

Our payments of XXXX are being made directly now through cash payments at the BMO HARRIS location in XXXX WI and are showing as accepted by BMO/XXXX. 

With every phone call the BMO/XXXX representative will again start over and request setting up payments on a full due amount of over XXXX. This is unsettling and we are told by our lawyers this is in violation of the FDCPA. 

We are requesting by BMO/XXXX, validation of the Settlement agreement in progress, a confirmed process of future payment, a reliable and consistent contact to work with towards a successful completion of the agreement, consistent credit reporting as " charged off '', " paying under partial payment agreement '', and as of a last payment monthly or upfront to reach XXXX as " settled '' or " paid in full for less than the full balance ''.

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 2020-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I ordered a copy of my credit report and noticed that a company named Portfolio Recovery Associates LLC was reporting negative items on my report. I have never head of Portfolio Recovery Associates LLC and need Validation/Verification of reported as I don't recognize any of the alleged accounts.

Portfolio Recovery Associates LLC XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi credit card on XX/XX/XXXX and I was rejected. When the denial letter came in the mail, the reason presented was, " The credit privileges on your existing account ( s ) are currently restricted. '' I tried to ascertain why my privileges were restricted, considering I was a long-time Citi customer from XXXX to XXXX. I contacted the Citi Reconsideration team and the Citi Executive Response team ( both by mail and over the phone ), and they would not provide any additional information why my privileges were restricted. Furthermore, they added that the application was rejected due to Citi 's internal guidelines and not due to the information on my credit report because I have excellent credit. At every turn, Citi has not been transparent with why the bank rejected me for a Citi card, especially since I was a long-term Citi customer with an excellent relationship and history. This lack of transparency and malicious behavior is unfair and could potentially constitute a violation of the Equal Credit Opportunity Act, and would therefore be illegal. 

Citi Reference number XXXX Application ID XXXX Citi Premier Card Applied on XX/XX/XXXX 2020

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 2020-10-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am victim of identity thief and this company have been ignoring my request of investigation, i have been sent everything need it including a policy report, i been totally ignore by this company. please help me as some accounts that are not mine is been report to my credit report. 

see attached, letters been sent and yet ignore proof of my identity and policy 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 2020-10-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
hi i have been a victim of identity theft i have done everything on my end to provide documentation to Equifax but they keep giving me a hard time nobody seems to know what they are doing. XXXX  and XXXX   have been great in helping me get this matter resolved. I have filed an FTC report and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
In XX/XX/2020 Loan Depot " Pre Qualified '' me to purchase my first home using an FHA/VHDA loan for the down payment assistance grant program ( through the VHDA ) As the process started everything went fine and I provided each and every document to them as requested for the FHA/VHDA loan that they were working to obtain for me that I was " Pre Qualified '' for. I paid the {$500.00} earnest deposit to my real estate agent, paid {$450.00} for a home inspection and paid {$470.00} for an appraisal which Loan Depot insisted on and made me pay for in order to obtain the loan that I was " Pre Qualified '' for only to then be denied for the loan because my name was on the deed of a home with my father but I was NOT on the note for. This home was foreclosed on but again, I was only on the deed and was NOT on the note of the home so I was NOT financially obligated to the note on this home.

When I inquired with Loan Depot about this, all I was told that because I was on the deed I am still responsible for the foreclosure and that the Underwriter would deny the loan because the VHDA would not approve it. Then the more I asked about it I was told that the Underwriter denied it. So WOULD the Underwriter deny it or DID the Underwriter deny it? One said that they did but another said that they didn't even see it to deny it. Also, I contacted the VHDA and they never even received the request to deny on their end so all of this was very confusing and left unanswered questions. In addition to the fact that NO ONE at all could answer my question about how I can be responsible for a note that I was not financially obligated to. I never received credit for the on time payments of the loan so how can I be responsible for the foreclosure on a note of a home that I was not even on? None of this makes any sense at all.

Since this information was a " reason to deny the loan '' and was found on what I was told a " fraud check '' that lenders are required to run why was it not ran before the " Pre Qualification '' and how I WAS " Pre Qualified '' for the loan in the first place?

I am livid about this and can not let it go. I lost {$1100.00} that I spent toward the purchase of my first home and it does not sit well with me since I was NOT financially obligated to the loan that was the reason for the denial of my loan request with Loan Depot that I was " Pre Qualified '' for.

I would like to see this addressed and made public so perhaps it saves someone else from going through a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
i was a victim of identity theft and i have a car loan that was opened in my name fraudently with credit acceptance. I have filed an ftc report and police 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 2020-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I submitted a debt validation request to previous debt collector XXXX XXXX XXXX on XXXX and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XX/XX/XXXXXXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. Reinserting a debt after it being removed from credit bureaus is a violation of the FCRA.

Also i submitted the dispute to nca 's account manager, XXXX XXXX, on XX/XX/XXXX and received an email back from nca on XX/XX/XXXX indicating that they received my document I provided to show that the loan was paid for. And i haven't heard back from NCA or by writing since XXXX which is way past the 30 day deadline to respond to a pending dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
I received a letter dated XX/XX/2020 from AMSHER COLLECTION SERVICES , INC. notifying me that a debt of {$100.00} had been placed in their office for collection. I did not recognize the debt and had never been notified of it previously, so  I called the Original Creditor ( XXXX XXXX XXXX ) and they confirmed that they had no record of me ever owing them this charge. 

I mailed a letter to AMSHER requesting verification of the debt  within 30 days of receiving the notice. On XX/XX/2020, I received a letter from AMSHER dated from XX/XX/2020, stating that they received my notice of dispute and that they would contact the creditor with a request for validation on the account and would provide me with documentation they received as a result. 

It has been 30 days since they sent that letter stating that they received my notice of dispute, and I have not received any documentation or verification of the debt from AMSHER. The account is now showing on my credit report with XX/XX/XXXX and XXXX  as open and as a derogatory mark. 

XXXX  deleted the account when I contacted them about the issue, but XXXX  and XXXX  has a comment on the account that states " Account information disputed by consumer, meets FCRA requirements ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation