vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
This company ( CommonWealth Financial ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. 


Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. 


Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX ).

1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/2019 Macy 's Corp has used unfair and deceptive practices to commit a fraud on this complainant. Upon finally understanding the scope of this fraud legal counsel was contacted and he advised to contact the credit reporting firms and file complaint with the FTC. Upon inquiry, the CFPB appeared to be he government agency to contact. In summary, Macy 's is reporting that the balance has not been paid on the account. That is false. A check to them for the balance of {$32.00} was sent to them on a timely basis. They informed that they destroyed the check and seince then have continued to add late charges upon late charges driving the balance to a current total of {$170.00}. In addition, they have caused damage to my credit rating causing it to decline from a high of XXXX to XXXX. All the correspondence and details of this sordid matter have been fully reported to the credit reporting bureaus. They have now begun to harass me with having collection firms calling me on the matter. Worse, they wrote to me about providing a credit due to their error, but that was never realized. A through review of the correspondence, billings and payments will support my position on this matter. Macy 's needs to be prosecuted for their unlawful and fraudulent conduct. Please advise to where I should send copies of relative additional documents. I trust that the CFPB will find that their conduct has been unlawful and deceptive and find for this complainant. Sincerely yours, 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 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
Disbursement XX/XX/XXXX nct and Aes service provider. The original amount financed was XXXX and was a full deferral loan. The highest balance was XXXX. Since XX/XX/XXXX I have paid XXXX, and XXXX of the XXXX was intrest. Only XXXX was applied to principal. 

I have attempted to request amortization chart and receive nothing from them. I have asked AES a number of times how the intrest is caculated and what my interest rate is. According to AES my intrest rate is varible and is XXXX. I can not rap my head around how I have paid so much interest and how they have no paperwork regarding ownership or loan details. Also my paperwork loan repayment says 102 months repayment how is that possible when i have been paying since XXXX? 

I just submited a complaint a few months ago and All they sent me was my payment history. This is obsurd and I honestly feel as it they should send detailed loan information providing and supporting amortization and proper distribution of funds. The repayment plan is also incorrect. They seriously need audited and individuals need to be compensated their money back or have their debt resolved and forgiven. They can never provided documentation and if they send any correspondence it is never complete or is missing information or has non matching information. 

I hope my concerns and complaint is handled in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NY

Complaint narrative:
Please be advised that I refinanced my home through XXXX XXXX XXXX XXXX with their representative XXXX XXXX and XXXX XXXX the attorney representing Home Point Financial, the new lender. It has come to my attention that the loan pay off funds payable to XXXX XXXX XXXX fraudulently was misdirected to an account controlled and owned by XXXX XXXX XXXX and or XXXX XXXX called XXXX XXXX XXXX instead of XXXX XXXXXXXX XXXX. 
This fraud has resulted now in their existing two competing mortgages on my property. I have been told by the title company XXXX XXXX XXXX that XXXX XXXX XXXX needs to put forth an immediate title claim as their existing lenders. 
But XXXX XXXX XXXX refused to put in a claim stating that Home Point Financial who did the refinanced would have to put in a claim, which XXXX have contacted Home Point also and have requested Home point to file a claim. But Home Point Financial refused to put in a claim as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with XXXX  under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on Transunion and XXXX. By the way, I had to paid {$25.00} on the Transunion website just to access the dispute page ( I did not yet submit a dispute to Transunion ). I think this payment requirement is very unfair. Transunion says the collection accounts were opened on XX/XX/XXXX. However, when I told the XXXX customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the XXXX credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Two collection accounts appeared on my credit report in XX/XX/XXXX. I disputed them with Experian under report # XXXX and that dispute ended with the account information being updated and verified. I disagree with that result. When I first saw the two accounts that are in collections, I noticed they were related to private loans I took out in law school in XXXX or XXXX. Some time after graduation in XXXX, I consolidated my student loans and assumed that the private loans had been included. I never received a call or spoke to anyone from XXXX, XXXX and XXXX. I never heard of that agency until this XXXX. The collection accounts do not show on my XXXX report but does on XXXX and Experian. By the way, I had to paid {$25.00} on the XXXX website just to access the dispute page ( I did not yet submit a dispute to XXXX ). I think this payment requirement is very unfair. XXXX says the collection accounts were opened on XX/XX/XXXX. However, when I told the Experian customer service rep that the loan dates back more than 15 years, she explained to me on the phone that the XXXX account was opened in XXXX and said the account should fall from my credit report in XXXX. A review of the Experian credit report does not show a XXXX date anywhere, so I see the XXXX comment was a way to get me off the phone and accept the result. I would like the two collections deleted simply because it is a debt I never acknowledged. I had no interaction with the agency. XXXX is trying to recover a debt that was incurred more than 15 years ago.

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 2019-10-29 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: GA

Complaint narrative:
There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a new Safe-to-Spend checking account with Simple Bank, an online-only bank ( www.simple.com ), on XX/XX/2019. I attempted to transfer funds from an account that I have with an external bank into this new checking account with Simple Bank but received an e-mail from Simple Bank on XX/XX/2019 stating that Simple Bank had frozen my new checking account. 

Per the e-mail, Simple Bank is requesting several sensitive documents from me containing my personal information such as color photos of my social security card and government-issued photo identification as well as my two most recent bank statements for the external bank account from which I attempted to transfer funds to my new Simple Bank checking account. I refused to provide this information as it is very sensitive, personal information that I felt that Simple Bank did not need to verify my identity. I have successfully done business with other banks without needing to provide this information. 

I have had several phone conversations with Simple Bank to negotiate a solution in lieu of providing this information, including closing this account. However, Simple Bank refused. Instead, Simple Bank sent me two more messages on XX/XX/2019 and XX/XX/2019 requesting this documentation from me. Simple Bank continues to insist on me providing this documentation and will not grant my requests to close this account. My account remains " frozen '' with Simple Bank refusing to close my account or allow me access to my funds ( ~ {$5000.00} ). 

I am extremely upset and dissatisfied with Simple Bank throughout this process for requesting sensitive private documentation from me as well as refusing me access to my funds or to close this account. My experience has been completely the opposite of Simple Bank 's slogans and marketing that suggest their customer service is better than other banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I currently bank with Bank of America and I recently learned that they do not have any ADA accommodations for clients who have a fraud alert on their account. 

I recently had a XXXX that cause me to be XXXX  on my left side. I am XXXX XXXX XXXXXXXX and reside in a rehabilitation facility. I have to rely on most interactions virtually, as I am XXXX XXXX. 
Bank of America placed a fraud alert on my account that can only be lifted if I visit a bank. 
That is difficult for me to do on so many levels. First, I would have to contact special transportation to get me to the bank and find a caregiver to stay with me. If I have to use the restroom during my time at the bank, I would have no other option but to go in my diaper, because I can't stand, which is humiliating. Then, I would have to contact transportation to pick me ( but they would need to know the time in advanced ). 

I am late on bills with no access to funds in my account do to this and BOA has done nothing to accommodate me considering my situation.

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