vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have tried on three different occasions to have them validate this debt. They never reply ' all they do is update the notes on my credit report, which states, " Consumer disputes this account information Collection account. '' I have no idea what this debt it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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:
I have been trying to have a fraudulent inquiry removed from my Equifax report since XXXX. I have contacted both Equifax and XXXX XXXX XXXX XXXX XXXX about having this removed, and they both blame each other for it being there. I have the document sent to XXXX XXXX XXXX XXXX XXXX, and the listed times I contacted Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My tenant deposited the check on XX/XX/19. Initially, there was a problem with the check. So Wells Fargo, decided to put a 15 day hold on the check. My tenant then got proof of funds from XXXX XXXX   showing that the funds are in fact available and have been available since XX/XX/19. 

My tenant, the depositor then faxed a letter to Wells Fargo showing proof of funds. Wells Fargo has continued to drag their feet in expediting these funds so they deposited into my account. The check is for {$870.00} and it's deposited into my account every month for the entire year - same amount, same accounts. 

I have a family and children. My children depend on this money to eat and basic living. We're literally waiting on this check to clear so we can continue to eat and live normally until the next payday as I'm back to work next week. The attitude of Wells Fargo is " I don't care ''. I don't care about your family or when they eat. They are terrible in terms of understanding and expediting when necessary. My case number with Wells is XXXX. I spoke with XXXX XXXX and she told me it takes 24-48 hours to speak with her manager XXXX XXXX. I asked to speak with the CEO XXXX XXXX. There's no way to escalate to his office. 

Right now, my children need to eat and we as a family function normally. The money has been available since XX/XX/19 actually XX/XX/19 but it was a timing issue. It is now XX/XX/19 and I'm told I won't be paid until XX/XX/19. Unacceptable - especially to my children who need to eat. Please expedite and send to president/CEO XXXX XXXX. I'd like a phone call from him personally. Thank you.

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 2019-10-10 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: NJ

Complaint narrative:
The Bureaus are not reporting accounts I am on personally and also as an Authorized user. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The above are all credit card accounts. I have had the cards for over one year. 

They were reported previously and now they have disappeared.

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 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Debt Collector : ProCollect XXXX XXXX XXXX # XXXX XXXX TX XXXX, Representative for this company is a Mr. XXXX, I have repeatedly asked that all communication with this company be via mail, they still continue to call and call at any hour of the day. They also continue to call my employment even though they were never given this number and have been asked to not contact. I have repeatedly asked that they not contact my Ex-Husband on his cell phone regarding a debt that is not associated with him at all ( divorce final over 6 years ago, debt is from 2019 ), the last call was on XX/XX/19 to his voicemail. I have sent a certified letter XX/XX/19 to this company specifying their violations.

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 2019-10-10 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: FL

Complaint narrative:
I have submitted disputes to Experian.com in regard to the XXXX XXXX XXXX accounts that are on my report and they have been unsuccessful in resolving these errors. They have failed to notate they have completed any of my previous disputed causing me to believe they never completed an investigation on my part. Furthermore, they are reporting false information for 10 months as the term. How did they validate this information is accurate? I wouldn't know because they fail to provide me this information. Finally, they are reporting a past due amount on a charged off account that was written off per my report. This is a violation under the FCRA as well. Included proof of information and disputes and they have failed to do their job. I have never received any of my results from my disputes and they are being negligent on resolving my concerns that are violations under the FCRA by law.

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 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Collection Services, Inc.
State: IL

Complaint narrative:
The company Cbsc Is trying to collect on a debt that is not valid. Thhs company is not licensed to collect on debts in The State of Illinois as required by the Idfpr

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services
State: NY

Complaint narrative:
I received a loan in 1999 for a mere {$5000.00} to go back to school. I became pregnant, and had to stop attending college. When I discussed doing an income based repayment, I was told no, and that I could easily just go into forbearance until I was financially able to repay my loan. I was never informed of the $ XXXX/month interest I was accruing. And wasnt informed until I was sent a bill for over {$20000.00}. Because Of interest, I have been paying over $ XXXX/month for years, owing well over {$30000.00} on a mere {$5000.00} loan. I received a measly {$100.00} check due to the lawsuit. But I am still paying an astronomical amount for a loan I have paid back, plus interest already. I still have 10 more years to pay back $ XXXX/month loan for an {$5000.00} loan. This is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good Evening, My Name is XXXX XXXX, I would like to file a compliant against CHASE. I've tried numerous times from getting denied for a modification to trying to sell my home. Chase has blocked my efforts at every turn. I have a 3 family property and because I am in default due to non paying tenants. Chase has denied me numerous times for a short sale and keeps saying HUD is denying it based that I was not supposed to rent out my property. This is absurd this is a legal 3 family, this is how I qualified for this house in the first place by the rental income this property was generating and now HUD is denying me a chance to sell my home at a short sale because I rented this property out years ago? 

I am asking for some help here. I had my realtor reach out to them again today and I am going to resubmit a short sale package for the 8th time. IN the hopes with your intervention I can finally get approved for a short sale and I can move forward with my life after this sale is over. 

Regards XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
My husband recieved a call from a debt collector on XX/XX/2019 at XXXX XXXX EST from ( XXXX ) XXXX, regarding an old bill from XXXX. He asked them to call back for me after XXXX and then they started to give him information about this debt. My husband was never on this account and he asked them several times to just call back for me because this sound like a personal business matter. They refused and kept giving out information regarding the debt asking him to make payment arrangements for this debt. I have asked them to stop callimg amd just send communicate in writing only. I feel that my privacy has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to have a fraudulent inquiry removed from my XXXX report since XXXX. I have contacted both XXXX  and Saks Fifth Avenue Customer Care about having this removed, and they both blame each other for it being there. I have the document sent to Saks Fifth Avenue Customer Care, and the listed times I contacted XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-10 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: MS

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I contacted the police locally and FTC. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX XXXX XXXX   XXXX, XXXX XXXX. And these inquiries are not mine either : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX , XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , 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 2019-10-10 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Siggi LLC
State: GA

Complaint narrative:
On XXXX I was given a loan in the amount of {$3700.00} by Omni Financial, I had made several payments since the start of the loan and called to see what my current balance was only to hear that it was still {$3000.00} and change. I asked if there was a way to pay more monthly and was told that the allotment amount couldn't be changed. I was told I had to set up an allotment and have the monthly payment come out of my check every month as the only way to pay back the loan. I came across the Military Lending Act which states " No mandatory allotments. A creditor cant require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. '' I believe Omni Financial has violated this act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
On XX/XX/2019, I mailed a debt validation letter to Bank of America, which is my legal right under the FCRA. I obtained proof that Bank of America received this validation request on XX/XX/2019. My validation letter was received by XXXX XXXX at XXXX XXXX on XX/XX/2019. I have attached both documents in this inquiry. According to the FCRA, Bank of America had 30 calendar days to respond to my request. Today is XX/XX/2019, and Bank of America failed to even respond to me, and is therefore in violation of the FCRA. They have to remove this account that they are reporting delinquently immediately from my credit bureaus because they are in violation of the law.

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 2019-10-10 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: TN

Complaint narrative:
I contacted the police and FTC for assistance with this issue, now I'm contacting you all for your help as well. I'm looking to buy a new car in the next few months. So I had my credit report pulled just to see what I qualify for. Unfortunately, I discovered items on my report that are absolutely NOT MINE. Please remove these accounts listed. XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX. 
INQUIRIES TOO : XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX. XXXX  XXXX XXXX   XXXX XXXX, XXXX, XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX  XXXX. XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX/XXXX, XXXX, XXXX XXXX XXXX  XXXX. XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/19 XXXX i had returned the merchandise and they never sent me the exchange as well or a refund

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Loan care has unlawful collect PMI even thought ; law says Im not obligated to pay They have COLLECTED APPRAISAL FEES {$450.00} BUT FAIL TO DO AN APPRAISAL refuse to remove P.M.I. and escrows despite home value is 55 % Loan to Value ratio. 
its been 5 months since request IN XX/XX/2019. 
PLEASE HELP

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 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
XXXX sold my mortgage account to M & T Bank. I decided to open a checking account online with M & T Bank. I entered my information ( including my SSN ) and other information. My Mortage account and checking accounts are linked. That same day of opening the checking account, I was allowed by M & T Bank to fund my account with {$250.00} via a credit card ( not sure if that is legal? ). 

I've held the accounts for 3-4 months. I recently inquired about closing my account and withdrawing my funds. The bank replied that it would cost {$50.00} to close my account early plus additional fees for mailing a check. The bank then stated that my account was frozen ( so that I couldn't withdraw ) until I submit verification forms of Social Security Card, Utility Bill, Drivers license. I contacted their verification department, and made the point that I was able to open the account and deposit money, so I should be verified since I gave them my ssn and they have a mortgage account for me already. The verification department refuses to unfreeze my account until i " Provide my original social security card '' to them! I told them that I was uncomfortable with doing that and then they emailed me saying, " We need your original Social Security Card and a current bill. The hold will remain on the account until we receive the requested documents. ". Every time I talk with them the verification forms they are requiring changes and I'm not sure why. As provided above, I do not want to give them my original security card as they're demanding but they're refusing to unfreeze my account so that I can close it out which seems pretty shady. Please help with this, I also dont want to take on their huge fees in closing out early and will wait a few months to do so without a fee, but I cant do anything until the account is unfrozen.

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