vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Commercial Recovery Systems
State: CA

Complaint narrative:
on XX/XX/XXXX I received a voicemail from a caller id blocked number, when i checked the voicemail it said i was going to be served on XX/XX/XXXX, and to call XXXX, when called i told i was being sued for a XXXX bank account and that I was going to be served, when i started asking questions, they hung up on me and now wont take any calls.. upon review I found this https : XXXX They called themselves CRS and associates

Company response to consumer: Untimely response
Consumer complaint received 2019-03-21 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: JH Portfolio Debt Equities, LLC
State: KY

Complaint narrative:
I have contacted JH port debt in the past. I accomplished nothing. I do no t even know why they say I owe them. Bc if I had, they would've been on my past bankruptcy, in XXXX, XXXX. I know for a fact this company changed the dates for their convenience too. It annoys me bc I'm trying super hard to get my credit score up good enough to buy this house I live in. From my mom. But everything affects your score. I just am trying to do better. I don't need this company in my credit score. I really am desperate for help. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Requested XXXX credit report through the XXXX website. After waiting over 6 weeks did not receive report in mail. I called XXXX. They did not receive my request from Annual credit report.com. I am concerned that my letter with my SS #, DOB, etc. was compromised through the mail or stolen by an employee. The rep at XXXX told me that the address on the form was incorrect. Annual credit report has one phone number available which does not have an option to speak to a live representative. The phone system is not user friendly and dead ends your call. A company that deals with sensitive consumer private information should provide phone access to a live person. Not everything can be resolved through automation. 
They can't address my problem if I am unable to report it to them through their inadequate system.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In XXXX of 2018 I set my XXXX XXXX card up for automatic payments. At the end of XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XXXX would come out automatically for XXXX and XXXX. The end of XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XXXX and XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end ofXX/XX/XXXXl the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXX and XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX andXX/XX/XXXX. I was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In XX/XX/2018 I set my XXXX XXXX card up for automatic payments. At the end of XX/XX/XXXX the payment was not made. I called customer service and they explained that it was due to the automatic payments being set up and that the payment in XX/XX/XXXX would come out automatically for XX/XX/XXXXand XX/XX/XXXX. The end of XX/XX/XXXX comes and I get an alert from the credit bureau that I have an account 30 days pay due even though the automatic payment had just been made that covered XX/XX/XXXX and XX/XX/XXXX. I  was never charged a late fee. I contacted customer service about it and they said they never considered it late, bit the system automatically reported a 30 day late payment and that there was nothing they could do as they don't have those issue anymore due to the laws being changed and that I would need to dispute directly with the bureaus. I disputed with the bureaus several times with no result.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX RE : XXXX XXXX  are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, XXXX XXXX  does claims they tried to retrieve my last two loans from XXXX XXXX  and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : XXXX XXXX XXXX XXXX sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to XXXX XXXX  and finally the XXXX XXXX XXXX XXXX never received such loans that would ve closed all 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 2019-03-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Yesterday XX/XX//2019 I received the following email from American Express. 

They lowered by Credit Limit without any notice this was going to be done or options I could take to handle beforehand. Only options after it was lowered. 

I was not anywhere near the credit limit, had made all payments on time. Apparently, it was decided after pulling a credit report to lower the credit limit. 

The biggest problem this has created is now this Credit Card is considered " maxed out '' which it was not even close to being " maxed out '' prior to them lower the limit. 

The problem this is going to have on my credit report is it will lower my credit score, which is important on the credit front in general. 

The fact that this was done without any prior notice, which I am sure they can do, which is so unethical. 

I did call them and spoke to a customer service rep who is the one who read over the phone why the limit was lowered. I felt like I was talking to a robot and this robot was just reading a script. 

This is an unfair practice in my opinion as I have always been on time with the payments, always paid more than the minimum. Never read if I didn't pay the balance down by a certain time I would have my limit lowered. 

The only reason this is so maddening is that now by no fault of my own credit limit and my credit score will be affected greatly. 

Not sure what can be done about this practice. But it is an extremely unfair way to treat good customer 's who pay their credit card on time and had considered being in good standing. 

My credit limit was {$20000.00} and the amount used {$10000.00}. I had also made a payment of {$450.00} just a few days earlier. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I leased a XXXX XXXX XXXX that was financed through Nisan Motor Acceptance Corp. ( NMAC ). That lease comes due on XX/XX/XXXX. I spoke to three different Nissan dealers, all of whom told me that Nissan would waive up to the last four payments on my lease if I purchased a new vehicle from Nissan. As I was planning on doing just that I made the XXXX, XXXX payment on time but made no subsequent payments. 
In early XXXX, I started receiving a very high volume of calls from NMAC telling me that my auto lease payments were late. Every time I mentioned them waiving payments, they told me to go see a dealer. Finally NMAC told me that I had to go see the dealer who originally sold me the vehicle, even though they are over XXXX miles from my home, as I have recently moved. 
I complied with the instructions from NMAC and went to the dealer they specified. At that dealer, I was able to find that NMAC had reported me late for two month 's worth of auto lease payments and by doing so, NMAC had caused my FICO score to drop from from XXXX to XXXX. Because of the drop in FICO score and the lease payment lateness, Nissan would not lease me another vehicle even though my payment history over the previous 33 months was always on-time. And, unfortunately. because of Nissan 's report, no other auto lender would give me a loan or a lease. 
Their actions have been damaging, predatory and not in keeping with what the dealers told me. The two months late ( XXXX and XXXX ) have been paid and Nissan will still not approve me for a lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX is reporting that I owe for a credit card on my Equifax report. I disputed this debt and was sued. I countersued because the collection agency failed to properly verify and validate the debtnafter telling them this debt was not mine. I asked for a jury trial. A date was given and XXXX XXXX failed to show up for trial. The case was dismissed. 

The collection was removed from my XXXX and XXXX reports but have remained on my Equifax. I have included a copy of the order of dismissal. XXXX XXXX did not meet the burden of proof and knowingly can not properly validate the debt so they purposely forfeited the trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XXXX XX/XX/ 2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XXXX XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. My bank has informed me they have filed the claim but have not heard back from Wells Fargo regarding the transaction. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been paying a mortgage service provider ( Ditech Finical LLC ) FOR 14+ yrs.. 
I have been trying to contact them for 10 days without being able to do so to pay off my mortgage of approx. {$160000.00}. 
I finally had someone come on the phone yesterda after waiting on hold for more then an hour. She told me they were having computer problems & that was the reason for the long hold time. She then tried to guide me into their that account website which I had been trying to do for 10 days, to no avail. She then gave me information to give to my Financial institution to do a wire transfer through their bank " XXXX ''. 
After being cautioned by my financial institution the there are international " wire fraud scams '' going on, I decided to contact XXXX to confirm that the information given to me by Ditech was correct. After being able to outsmart the robot I was able to reach a human who informed me that the routing # was correct but the account # was not. At this point I asked for a supervisor who told me she could not confirm or deny that the account # existed. I asked for a manager when she then informed me that I was talking to the wrong dept. And it could take many days for my called to be returned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: MI

Complaint narrative:
I recieved a collection notice in the mail from a Capital Management Services claiming I owed a debt. The debt is unfiiar to me. I followed the dispute process and mailed a written letter of dispute asking for verification or judgement that the debt is valid. After 30 days I have not heard back from them, so I assumed that the debt was found to be invalid. Suddenly, without verification of the debt, I started receiving phone calls about the debt. 2 of my family members received calls from the same company trying to get information about me and my address, but this is illegal because they 1 ) already have my information in full and 2 ) have not provided written verification that the debit is valid. When I called to discuss this nefarious activity, XXXX the supervisor at capital management services claims that they never received my letter.. OF COURSE THEY WONT ADMIT ITS IN DISPUTE. 

But suddenly now it is in dispute and they promise not to call without verification of the debt in my hands. 

Capital Management Services knows their behavior is illegal.

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 2019-03-21 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: CO

Complaint narrative:
Transunion is incorrectly reporting me 30 to 120 days late on the following accounts which reflect a {$0.00} balance and {$0.00} past due amounts. 

XXXX XXXX - partial account number XXXX XXXX  - partial account number XXXX XXXX XXXX - partial account numbers XXXX and XXXX. 

This negative reporting is harming my credit scores. It is impossible to be late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the bureau to fix this issue.

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 2019-03-21 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: MA

Complaint narrative:
DEAR CFPB For past 10 months now I been trying to dispute unverified items on my credit report file. I have not got any results of document verification that account belongs to me with my signature and social security number. according to the fair credit reporting act, section 609 ( a ) ( 1 ) ( A ), THEY ARE REQUIRED BY FEDERAL LAW TO VERIFY through the physical verification of the original signed consumer contract any and all accounts they have post on a credit report. otherwise, anyone paying for they reporting services could fax, mail or email in a fraudulent account. 


it's my right to see verifiable proof ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) they have on file of the account listed below. they have failure to positively verify these accounts has hurt my ability to obtain credit. UNDER the FCRA, UNVERIFIED ACCOUNT MUST BE REMOVED AND IF THEY ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, they must remove the accounts listed below. 
XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$600.00} 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 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: G. Reynolds Sims & Associates, P. C.
State: MI

Complaint narrative:
On or about XX/XX/XXXX. G Reynolds Sims & associates, P.C., XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) et al, filed or caused to be filed a debt collection lawsuit using the name XXXX , XXXX as plaintiff in the XXXX district court of Michigan. 
G.Reynolds Sims & associates, P.C. attempted garnishments of this consumer 's state of Michigan tax returns for several years following judgement issued in favor of XXXX , XXXX by the XXXX XXXX   district court. Additional facts are as follows : 1. XXXX XXXX was divested of all its assets in a bankruptcy in XXXX. See public records 2. G. Reynolds Sims & associates, P.C. continues to put itself forth as a collection agency located within the territorial bounds of the state of Michigan. See attached screenshots 3. A search of the Michigan department of licensing and regulatory affairs occupational licensing database does not show results for G. REYNOLDS SIMS & ASSOCIATES, PC as licensed collection agency in Michigan. See attached screenshots 4. Licensing/ unlicensed status confirmation requests are sent to the Michigan department of licensing and regulatory affairs. Response pending 5. G.Reynolds Sims & Associates PC was without an assignment of debt from the alleged original creditor either to G. Reynolds Sims & Associates, P.C or the alleged plaintiff XXXX , XXXX ( court documents available on request ) 6. An attorney associated with G.Reynolds Sims & Associates, P.C filed the only affidavit in the XXXX XXXX action of XXXX claiming knowledge of XXXX XXXXs business records in spite of XXXX XXXX never having a custodian of records. 
See attached affidavit and public bankruptcy filings concerning the XXXX XXXX bankruptcy. 
7. G.Reynolds Sims & Associates, P.C still continues to act as a collection agency to this day. See attached 8. Collateral CFPB complaints against XXXX , XXXX and XXXX XXXX XXXX XXXX XXXX have been filed. See attached screenshots for complaint ID numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation