vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. BANCORP
State: ID

Complaint narrative:
I had a credit card with US Bank I was unable to pay off after being laid off. 
I got a call from XXXX XXXX XXXX in XX/XX/XXXX of I think XX/XX/2013 and they told me that I would be arrested  and have my wages garnished immediately if I did not make arrangements to pay the debt with them. I paid the full amount to XXXX throughout the year. ( Roughly {$1200.00} ) I noticed it still shows owing to US bank on all credit reporting agencies, so I called US Bank. They told me the debt is still with them and that they never hired XXXX XXXX XXXX to collect on this debt and that as far as they are concerned the debt is still owing to them. 
I don't want to pay this debt twice but I have not been able to get anyone on the line from XXXX to arrange a refund. Online searches indicate XXXX often make such fraudulent claims and I had to try numerous numbers before I could even get one that was still in service. 
How can I fix this and have my debt marked as paid?

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 2018-07-13 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: Credit Karma, LLC
State: CA

Complaint narrative:
There was no Late Payment made for XX/XX/2018. Creditor XXXX XXXX reversed late payment charge and credited my account. However still reported as late payment for the month XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third Essential Checking Account. I only had {$2000.00} dollars in the account prior to this deposit. Rather than hold these funds for six days ( which is the length of time stated in their Reg CC Hold Procedure ) to verify that the check was legitimate, Fifth Third Bank made those funds available the very next business day, XX/XX/XXXX. 

This out-of-state check ended up being fraudulent from an account that was closed over a year ago, so Fifth Third penalized me the full amount on XX/XX/XXXX because I had already spent {$4000.00} dollars from this account. On XX/XX/XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX named, XXXX, notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. 

Fifth Third failed to follow their own Hold Procedure, which would have prevented this problem from happening in the first place, and that is why I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: TX

Complaint narrative:
My transunion credit report shows that I have opened two new accounts with XXXX XXXX when I have only one account with XXXX. I started living in this apartment since XX/XX/XXXX. However, transunion credit report shows that I opened another account with XXXX in around XX/XX/XXXX when my account only got renewed during that time. I havent closed account with XXXX apartments since XX/XX/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 non-monetary relief
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I was called three times today ( XX/XX/2018 ) by XXXX XXXX XXXX for a debt that is not mine. Our number has been on the do not call list for three years and I'm sick of these people constantly calling me. At this point, I can't even remember how many times they have called in the three years we've had this phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: FL

Complaint narrative:
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; Trans Union and XXXX that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.

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 2018-07-13 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: FL

Complaint narrative:
on XX/XX/XXXX I wrote to you to inform you that you are reporting inacurrate information of about me on my credit reports. You claim that your clients XXXX, XXXX and XXXX both have the right to report an unknown and frauduently opened account on my never before used credit. I have not yet had the opportunity to use my credit and some one has opened an account that you and these companies have verified as owned. I wrote to both of these companis and requested full validation made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. 

My request to the bureaus XXXX ; XXXX XXXX and Equifax that I require validation that is competent evidence bearing my signature showing that I had some contractual obligation to pay. 

These collection companies have been reporting a frauduently opened account to the ( 3 ) reporting bureaus for nearly ( 2 ) yerars and have paid no attention to my request to validate because the information is incorrect. The collection agents have taken it upon themselves to continue to knowingly provide incorrect information about me to the credit bureaus and the credit bureaus will be delivering false information if they reply that this account is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company collecting agency had an pay to delete agreement prior to the payment which Bank of America had not honored after receiving the payment of {$770.00}.

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Had a outstanding balance with American Express gold card which was paid in full and had a agreement with their internal collection department for pay to delete. After the payment of {$1400.00} I havent received any letters from American Express about the agreement and the company have baked out from deleting the negative account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: The Bureaus, Inc.
State: MI

Complaint narrative:
In trying to correct my credit due to an injury at work and illness that caused problems, I found collections accounts and one from THE BUREAUS INC with a balance of {$280.00}. I contacted them to validate the account, as I was unaware of it, so I proceeded to validate my info to prove my identity only to be responded with : " Thank you for verifying your information. Your account is currently being serviced by XXXX XXXX XXXX. You can contact them regarding payments or any inquiries you may have ... '' I now proceeded to contact XXXX XXXX XXXX to validate my debt that I still haven't been shown valid?! They responded with email and mail validation, so I called to pay off debt immediately. I was emailed instantly and later mailed a letter that the payment was given to satisfy account. I also asked if it was going to be removed from credit reports and show corrected information and was assured it would be. 
I have disputed with the three credit agencies due to the fact my reports STILL showing collection balance and open/ongoing re-aged?! 
Dispute results were : The company that reported the information has certified to XXXX ( others as well ) that the information is accurate. This item was not changed as a result of our processing of your dispute. 
I must note that this is being reported by THE BUREAUS INC? 
I did my part in correcting hardships and paying off debt, they should honor their part! This is harming me with home leasing/purchase!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I have told them repeatedly on their web site that I am a XXXX veteran who owes no money to nobody and that they have a wrong number. I have reported them to the DO NOT CALL list. They continue to call day after day, interrupting everything I do. It is very stressful and I once got a call from them at XXXX XXXX on a Sunday. Innocent people should not be treated this way, and those responsible, had we a solid system of justice, should be in prison for a long stretch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: AZ

Complaint narrative:
The item XXXX XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting a charge-off every month since XX/XX/XXXX up until this month XX/XX/XXXX. A charge-off is an event that took place back in XX/XX/XXXX it is not a status to be reported each month according to my online report. ( See print screen below ). 

This monthly reporting of a charge-off has caused my scores to drop as a result of this retaliatory reporting. Furthermore the listing also lists a {$210.00} balance ; which clearly is not accurate. A charge-off would indicate that the company has written off the debt and thus would have a XXXX   balance. Obviously they can't have both reporting : it's either a charge-off or there's a balance due. These errors on my report causes me great concern, in that I have no reason to believe that this listing is accurate at all or has ever reported correctly based on their failure to report accurate information. 

Please remove this inaccurate item from my credit report as it is clear that they have re-aged this item by reporting it charged-off month after month. Re-aging a debt is a violation of the FCRA. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.

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 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I made a {$400.00} loan payment on XX/XX/18 as of XX/XX/18 it ad not been posted to my account. I contacted Navient and gave them my account number XXXX and the confirmation of the payment XXXX. They placed me on hold for 7 minutes then came back and said that all the account information was correct but had 2 different account numbers listed and they couldn't explain why. After another 11 minute hold they told me that the payment was just not processed after it was received. I was told that my payment was sitting in a holding account and just wasn't applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2014 I had financed a car for the first time in my life. I had XXXX kids at the time and had no car at all this was the only way of getting a car and Ive never purchased a car before, but I have an APR of 26.44 % that isnt good at all Im paying 5 times more then what the car is worth it had over 100,000 miles on it already and had been tooken to the shop 2-3 times after buying it within a year to a year and a half. When I had looked on XXXX XXXX XXXX at the time the car was only worth about {$4000.00} but we are paying {$26000.00} for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: NE

Complaint narrative:
I purchased home in

XX/XX/XXXX. In the start of XX/XX/XXXX I tr
ied to remove PMI, had multiple attempts through calls and emails and never got a clear answer why I could not remove. 
In XX/XX/XXXX, Escrow statement sent, shortage, needed to pay in full {$3800.00} or it would be spread over 12 months combined with the increased new payment added {$630.00} each month. 
I have an excellent credit score and  trying to keep that integrity as well as maintain payments so I can live in my home. I find this 64 % increase unacceptable and hard to believe its legit. I have called, emailed and went to this lenders website. I have experienced " number not in use '' messages, extremely busy messages, and also 2 live calls resulting in being put on hold and promised when the supervisor is free they would call back, but never have. Recently, I have been sent automated emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all stating the same thing that they are waiting to hear from me. I did get a reply but that individual stated " I'm sorry that was an automatic email that's going out. They haven't turned them off yet. I am no longer originating loans for ( ), they are closing the XXXX office. You may want to go to XXXX for the lowest rates in your area right now ''. 
So I can't get in touch to discuss and now I question how accurate and legal this all is. I did XX/XX/XXXX payments to cover the shortage and new payment, but I would like this matter looking into and get some clarity on why such a dramatic change. Thank you.

Company response to consumer: Closed with explanation