vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
XXXX XXXX keeps calling after I have asked her to stop. I told her to only call a certain number & then to stop calling all together. She has been calling without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch
State: GA

Complaint narrative:
The property address is XXXX XXXX XXXX XXXX Ga XXXX XXXX. My loan was included in a Chapter XXXX bankruptcy, whereby the court ordered Bankruptcy petition Plan ( the Plan ) included set payment amounts ( {$140.00} monthly ). 
2. I began making the payments to the mortgage company exactly as specified. 
3. The servicer was changed ( or loan sold ) and I re-directed my payments to the new company ( BSI ). 
4. After a few months, the new company began rejecting my payments, stating that they had no knowledge of the Plan, and started the foreclosure process. BSI states that they are refusing the payments because the loan is in foreclosure. 
5. After much calling, faxing and emailing, I was able to get the company to recognize the Plan, which had been made an amendment to the original Security Deed and recorded with the State of Georgia. They adjusted their records, including loan balance, payment amount, interest rate, etc. They continue to refuse to accept the payment. They continue to charge fees for taxes and insurance ( via an escrow account ) even though the Plan specifically states that I am to pay the taxes and insurance directly : NO ESCROW ACCOUNT. The payments I've been sending ( {$140.00} ) are, of course, less than the amount they are requesting since the escrow amount is INVALID. 
6. I have sent the company emails demonstrating that I've made each payment for the past 5 years and have sent proof of the insurance policies established and tax payments made.

7. I requested but have not received via email a Statement of all of my Post Petition Payments and fees. 
8. The company has sent the last mortgage statement, indicating that the amount due is over {$4000.00}. This amount includes fees, property inspection charges, and grass cutting fees of over {$1900.00} each. Note that BSI NEVER CUT the grass ; I had the grass cut and paid the lawn contractor directly. I have requested a summary of all fees that have accrued on the account. None of these fees are valid since no payments have ever been missed. If BSI can indicate any payment of {$140.00} that I have missed, or any tax/insurance payment that I failed to make, I will send them the corresponding funds asap. The late fees and charges should be removed asap, as they stem from a balance that should never have accrued. 

I have and will be including all of my records : notification demonstrating each of the payments mentioned, a copy of the Statement, the Foreclosure Notification from BSI, my Bankruptcy Plan documents, the email thread between myself and the servicer, the names and email addresses of each of the supervisors to whom I've spoken, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: FL

Complaint narrative:
Americollect is a collection agency claiming a debt that is NOT owed by me. 

it is impossible for me to owe this claim debt to your claimed debtor as i was not present in the United States during the claimed rendered service date provided by your collection agency to myself as the date of the claimed service was rendered. Please review evidence consisting of plane ticket reservations as well as hotels reservations as well as my return tickets. i was not in the USA from XX/XX/2018 and returned XX/XX/2018. 

I have contacted them repeatedly and provided evidence and still collecting and reporting to the credit bureaus regardless of the provided evidence

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Credit Bureaus report this account XXXX XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this 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 2019-07-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Credit Bureaus report this account XXXX  XXXX XXXX twice..The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. They also did not give me an explanation as to why they have to report it twice.. CFPB please step up and fix this 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 2019-07-01 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: NV

Complaint narrative:
I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-01 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: NV

Complaint narrative:
I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap..GENERAL REV ( Original Creditor : 07 XXXX XXXX XXXX 2 ) 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 2019-07-01 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: TX

Complaint narrative:
I have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TX

Complaint narrative:
this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l.
State: WA

Complaint narrative:
Collection Company attempted to collect money from money I owe, which its been closed. The debts collection company is not the original debt collection company.

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 2019-07-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Loan amount : {$300000.00} The property was valued at {$640000.00} First of all the assessment value was very high in fact too high for the property at the time XXXX. The true property value in XXXX was closer to {$530000.00} which is a big red flag. 

The RMS reverse mortgage solutions. broker mislead an XXXX year old veteran who is now XXXX in XXXX. RMS false representations that the loan would not have to be paid back and his heirs would be able to live in the home in fact inherit the home without any fear of penalty or interest or having to pay back the loan. Which is not true, the loan must be paid once the owner passes away. The loan amount must be paid in full or pay 95 % of the assessed value of the home. The broker made the reverse mortgage sound very appealing adding there is no risk of losing your home at any time. Which is not true, if you default on the terms of the mortgage such as maintaining property tax, homeowners insurance and maintenance of the property you may lose your home. It will be very difficult nearly impossible to repay the loan in full to retain ownership which will result in having to sell the property to pay the entire loan amount. My elderly father was mislead with RMS false representations. He is now faced with his heirs not inheriting his home as he was reassured that would be possible. His wish was for his home to be an inheritance. Which regrettably is no longer a possibility. I hope this post may help others ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2019-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this account XXXX XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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 2019-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.

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 2019-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was never my credit consolidation student loan servicer. I never selected XXXX. I only asked questions about XXXX. XXXX was my selected loan servicer. However XXXX, started reporting as if I selected them and I never did. XXXX never billed me but never removed reporting on my credit report, now I have duplicate closed accounts because XXXX reported my account as closed which is not accurate. I merely made an inquiry about their services, I never asked them to be my servicer. They had no right to start reporting on me and then have to close my accounts. Closed accounts have a negative impact on my credit score. XXXX should be completely removed from all my credit reports. They agreed to do it but never did remove themselves from my credit reports.

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 2019-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Collection Company attempted to collect money from money I owe, which its been closed. The debts collection company is not the original debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to you about a serious issue regarding Bank of America. My wife and I have been dealing with ongoing attacks by Bank of America : For the past year ( since XX/XX/XXXX ) Bank of America has frozen our accounts multiple times with absolutely no prior notice. We find out our card being denied when we are shopping. When we call in, they transfer us multiple times until someone asks us information about our residence, our jobs, and our citizenship. We do not hold dual citizenship. When they ask what is our nationality, of course we identify as XXXX, with our sole citizenship with U.S. ( meaning ethnically we identify as XXXX ) On Thursday XX/XX/XXXX they closed our credit cards with no notice. We called and went into the branch several times and they said they can't provide any information and the only thing they told us is that we are a 'High Risk ' customer ( we have perfect credit scores and have never missed a payment ). Then they proceeded to close our checking, savings [ with no notice in mail until we called in and asked them to send us a written notice! ]. Merrill Edge, a Bank of America company, also closed our Cash Management Account, and our Roth IRA.  Merrill Edge gave us a 1-day notice via a letter before closing our account. We have been bank-less for a few days now, and regardless this has caused a lot of frustrations. 

Can you please assist us in seeing what next steps there are regarding this matter? 

Thank you in advance,

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 2019-07-01 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: CREDIT BUREAU ASSOCIATES-NORTHEAST, INC.
State: CA

Complaint narrative:
This complaint submission is in regards to a false credit report by CREDIT BUREAU ASSOCIATES -NORTHEAST INC ( XXXX XXXX XXXX XXXX XXXX , MA XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with two different representatives one particularly named XXXX XXXX who was extremely rude and stated I am responsible for this debt then hung up the phone. I then spoke with another representative who gave me the fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through my fax machine that the Supervisor had received the files ; however, after 30 days of notifying them, still no response. I specifically asked for proof of debt and anything in signature or judgment by law stating I was obligated to pay them the total of ( {$790.00} ). Prior before sending the letter, the representative stated they have mailed me several notices to my home address. The actual letter came from the alleged original creditor which was sent to a random address I have never been associated with. The original balance on that letter states {$520.00}. CREDIT BUREAU ASSOCIATES -NORTHEAST INC stated I owed them {$790.00} with {$260.00} in collection fees. I have never made any agreement with them nor the original creditor to pay anything nor was I properly notified of this false reported debt. I am requesting CREDIT BUREAU ASSOCIATES -NORTHEAST INC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX   , XXXX, & XXXX  ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. CREDIT BUREAU ASSOCIATES -NORTHEAST INC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Automated Accounts, Inc.
State: WA

Complaint narrative:
A law suit was filed against me for my ex-husbands childcare debt at XXXX XXXX XXXX in XXXX, Washington. He left a {$5100.00} debt unpaid in XXXX of XXXX, we were legally divorced XXXX XXXX. When we separate in XX/XX/XXXXwe each had our own contract with XXXX and we both continued to use the daycare. I continued to pay my portion, he did not. 
The debt was bought by Automated Accounts Collection agency, I informed them it was not my debt. They started legal proceeding in XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwe had hearings scheduled ( I attended each one with my attorney ; one AA rep did not show ). At the XX/XX/XXXX, hearing the Attorney stated he was going to see why XXXX never pursued my ex-husband. We explained then to the attorney we were determined to go to trial if needed to fight this. There were no further court hearings, notices, or requests from Automated Accounts ( not even monthly statements of the account ) to me or my attorney. 
I notice my paycheck was greatly reduced on XX/XX/XXXX, stating a writ of garnishment. I was not even notified of a hearing prior to prove my case that it was not my debt. After this discovery and talking with HR/finance dept, I tried to research what had happened. Automated Accounts scheduled a hearing XX/XX/XXXX ; they did not notify me or my attorney of it and moved quickly on a garnishment. Now they state the debt is {$7100.00}. 
I still hope to have my day in court and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had vet services through XXXX XXXX Hospital for my dog. I terminated services with the vet ( not having a balance ) in XX/XX/2012 once I received orders that would have me stationed outside of the US and not within the area of one of these vet clinics. I moved at the end of XX/XX/2012 and my dog was transferred to a military base vet. When I logged onto the XXXX account I had set up, I saw that two shots were administered to my dog on or around XX/XX/2012 and charges were applied to an account that had already been terminated. These charges were applied to an account I terminated prior to leaving the US. I  was not notified of my pet receiving care at the clinic, I did not authorize my pet to receive care at this clinic, nor did I authorize charges be made to me.

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