vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Management Recovery Corp. (NMRC)
State: TN

Complaint narrative:
On XX/XX/2021, I was contacted by someone who appeared to be posing as a county clerk official and stating that I was going to be sued. They would not disclose any information regarding the " summons '' after I asked questions pertaining to the validity of this debt, but they provided me with an " affidavit '' number and a number to call the law office that was handling the lawsuit. Upon calling the number I was given, I was greeted with threatening language by someone named XXXX after trying to figure out what was going on. My first ever interaction with this company today, the representative hung up on me so that I could not ask any more questions. When I called back, I tried to get more information from them but was met with more threatening language that resulted in me feeling coerced to give up credit card information without the alleged debt being verified. This company claimed that they were a law office filing a lawsuit on behalf of the alleged creditor and I was going to be served at home, employers would be notified, all of my wages/assets would be seized, and I haven't even been able to verify debt. The information the representative had predates the contract in question by 2 years and I was not provided with written correspondence regarding these claims. After today 's antics I am certain that FDCPA rights are being violated. I did not sign a contract with National Management Recovery Corporation and they should be investigated for their collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
The Company Rausch Sturm LLP has sent numerous letters in an attempt to collect a debt that as a consumer I do not owe. several times they have brokenthe law under 15 U.S.C 1692d.

Their Phone number comes up different everytime they contact me but the one that I have for them is XXXX. This has been a nightmare and I would like for them to stop or my next step will be to call the FTC

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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
As instructed by the State i have contacted Carrington Mortgage Services in XXXX, XXXX about being impacted by the pandemic. Instead of helping, in XXXX i received a letter of intent to foreclose and report me late XXXX, XXXX, XXXX and XX/XX/XXXX. My unemployment did not take effect until XX/XX/XXXX. I used all the proceed to catch up on all payments. As of XXXX my account was current. I filed complaints to their advocates and the NYS XXXX. I sent proof of my phone log and my unemployment status. XX/XX/XXXX I received a mea culpa letter of forbearance effective retroactively XX/XX/XXXX, They admitted their error but refused to remove the negative entries as mandated by the State when you are impacted by the crisis. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX and Equifax are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NORTHWEST BANCSHARES INC
State: MI

Complaint narrative:
This is a follow-up to complaint XXXX, as we did not receive a response as indicated in the CFPB online portal. 

We called the CFPB in XXXX to check what was going on and were advised to call XXXX to resolve the matter. We've called and left messages multiple times, including both our home and work phone numbers, as well as the initial complaint number and have yet to receive a response. 

At this point, in an effort to resolve this matter, we will agree to sign their document in order for Northwest Bank to return the {$3000.00} we over paid on interest on funds that were never borrowed. 

While not fully satisfactory, we are not looking to make this more complicated than it needs to be. 

Here 's hoping we can come to a quick resolution, so we can all move on. 

Thank you, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Account Name : BEST SERV CO Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$470.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GVA Holdings, LLC
State: TN

Complaint narrative:
I have told at least 3 representatives from Bright Lending in the past that this telephone number does not belong to XXXX XXXX. It is a cell phone belonging to his former employer, XXXX XXXX. Each representative states that they will remove my business cell phone number from their database. Yet .... 

Since Monday, my cell phone records show the following calls that I ignored : Monday, XX/XX/2021 at XXXX from XXXX Monday, XX/XX/2021 at XXXX from XXXX Tuesday, XX/XX/2021 at XXXX from XXXX Wednesday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX Thursday, XX/XX/2021 at XXXX from XXXX On Friday, XX/XX/2021 at XXXX, I picked up the phone and spoke to XXXX who RUDLY INSISTED that Bright Lending has never called XXXX before. She refused to take me out of their database altogether as I requested, instead she said she will put me on their " do not call '' list which they will sell and cause further harassment. When they call they insist very rudely to talk with XXXX XXXX, when I tell them they have the wrong number, they refuse to hang up, they continue to ask as though I am trying to hide him. 

If I get another call from them or an associated company, I want compensation per call. I am tired of them interrupting business meetings and my work day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on XX/XX/2021. I sent a letter regarding inaccurate and unknown things on my credit report and to this day which is well over 60 days, I have yet to receive a response. At this point I feel like my issues aren't being taken seriously and I feel completely disrespected in regards to my disputes. I know that things are moving slow due to COVID but the law is the law and I should have received a response by now and since I haven't all those inaccurate items needs to be removed from my account immediately or we will be heading to small claims court which I have no problem doing. My information was apart of the equifax data breach and could have been placed into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Case # : XXXX I received the attached letter from Wells Fargo. Obviously it has something to do with the CFPB settlement. I have called the number that is on the letter and all I get is the run around. No one knows where the letter came from when I do speak to someone.

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 2021-07-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Im sending this information to the consumer bureau as a proof of my dispute to Transunion that was sent by mail today

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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: NY

Complaint narrative:
I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave XXXX my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
I have called Midland Funding LLC and they stated that the last payment was made on XX/XX/2016. I was currently past due and was making partial payments for 11 months prior to that date. According to the FCRA the original past due date is the date that is required to be reported, not the last payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I sent a letter to Equifax, XXXX  and XXXX  on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 3 months and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 3 months, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C Systems ( Debt Collector XXXX filed a XXXX $ bill from XXXX XXXX XXXX XXXX posted XX/XX/XXXX, for services rendered XX/XX/XXXX. Contacted the original creditors to find out that the debt had been paid by XXXX on XX/XX/XXXX, XXXX this Debt has been contested with them several times and they continue to report the debt. 

After several attempts to have them fix this issue, they still claim that it's a valid debt and meets FCRA requirements.

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 2021-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
On XXXX the XXXX current bank sent email saying they had resolved my dispute they were.putting money back in my account I deposited cash on XX/XX/XXXX I transferred cash thru XXXX XXXX  they took XXXX they said I was negative and said they I was not untitled to my money back how the atm charged me twice u sent me an email stating I won't my dispute and then u selteal XXXX dollarsout and have a XXXX XXXXXXXX fighting me over it they scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
*PLEASE NOTE I OPENED 3 COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! XXXX On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.

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 2021-07-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
*PLEASE NOTE I OPENED XXXX COMPLAINTS FOR THIS SAME THING ON XX/XX/2021 : # XXXX ; XXXX ; XXXX ; AND THE COMPLAINTS WERE CLOSED BECAUSE THE LETTER STATED S-OME OF THE INFORMATION PROVIDED SUGGUEST S THAT SOMEONE OTHER THAN MYSELF SUBMITTED THE COMPLAINT. I WOULD APPRECIATE IT THIS COMPLAINT WAS TAKEN SERIOUSLY! I HAVE TO NOW START ANOTHER COMPLAINT WHICH RE-STARTS THE CLOCK FOR THIS TO BE TAKEN CARE OF! * On XX/XX/2021 I sent a letter to this credit reporting agency to have items removed from my credit report along with the list of laws that they violated. 
According to 16 USC 1681 ( a ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a credit report. And by definition according to Truth In Lending, Section 15 USC 1602 ( l ), The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. By the Legal descriptions and and definitions, the items listed below should not be on my credit report. These accounts you have put on my report has ruined my reputation, and according to 15 USC 1692d ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person puts you in violation of the law. I demand this account be deleted immediately or I have to file litigation due to the stress and impact to my reputation I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year, this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 40 days to receive no response because clearly I am being ignored. I demand these accounts be deleted immediately or I will file for litigation. FCRA 611 ( 15 U.S.C. 1681I ) it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report it has been over 40 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: VA

Complaint narrative:
STOP SENDING ME RECEIPTS FOR CHECKS!!!!! THEY'RE COMPLETELY USELESS!!!!! I NEED AN ACTUAL CHECK FOR THE MONEY YOU OWE ME WHICH INCLUDES THE {$15.00} XXXX XXXX CHARGED ME FOR THE ONLY CHECK YOU DID SEND AND ILLEGALLY STOPPED PAYMENT ON!!!! I SHOULD NOT ALSO BE OUT {$15.00} BECAUSE YOU ALL ARE COMPLETELY INCOMPETENT AND ILLEGALLY STOPPED PAYMENT ON A CHECK THAT WAS SUPPOSED TO BE VALID FOR A YEAR!!!!! HOW CAN A BUSINESS THAT'S SUPPOSED TO BE RESPONSIBLE FOR PEOPLE 'S MONEY BE RUN BY A BUNCH OF PEOPLE WHO ARE SO COMPLETELY INCOMPETENT!!!!! YOU HAD A ROBOT CALL ME THAT WAS COMPLETELY UNINTELLIGIBLE!!!! YOU SENT AN EMAIL I COULD NOT OPEN OR READ!!!! YOU SENT LETTERS WITH NO NAMES OF ACTUAL PEOPLE TO CONTACT!!!! WHAT THE XXXX IS WRONG WITH YOU ALL???? I HAVE DONE NOTHING WRONG EXCEPT OPENING A CREDIT CARD TO USE WITH XXXX WHICH IS ALSO RUNNING MULTIPLE SCAMS AND STEALING MY MONEY!!!! I WANT MY {$50.00} RETURNED TO ME VIA ACTUAL CHECK IMMEDIATELY OR YOU'LL ALSO OWE ME INTEREST AND COURT FEES!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have these accounts that are not mine and i want thm to be remove from the 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please see attached letter to Equifax. Also, the companies that are erroneously reporting are not listed in the inquiry list, nor in the creditor 's contact information at the bottom of my reports. This is further proof that these accounts are NOT mine, and appear to be those of " XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I currently have an account with Wells Fargo and have banked with them for over 25 years. Recently we noticed that a {$14.00} charge had been occuring in the account for access to XXXX XXXX  for the last 24+ months. After going into the branch and making multiple calls over several months I was able to connect with the correct department to have the charge stopped and they refunded the charged fees. This happened XXXX weeks ago. 

Yesterday I received a letter stating they had enrolled me again with XXXX and Bill Pay access which I did not request. Today there are two fees in my account again for {$14.00} each. Per Wells Fargo Website they do not charge access for using XXXX. We have never used bill pay or XXXX. Looking on line there are other consumers that have had the same issue. It seems they are counting on consumers not noticing a {$14.00} fee so they can pad their revenue similar to their previous issues with opening unwanted bank 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 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ORIGINAL LOAN IS THRU XXXX XXXX - XXXX STILL REPORTS NEGATIVE ON MY REPORT- XXXX XXXX THE DEBT TO XXXX XXXX XXXX XXXX ITS BEEN SOLD AND THE DOLLAR AMOUT STILL SHOWS A XXXX- XXXX XXXX XXXX XXXX WANTS TO SETTLE WITH ME AND I THINK XXXX ACCOUNT SHOULD COME OUT OF MY REPORT ASAP FROM EXPERINA AND 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