vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: CO

Complaint narrative:
I received a letter from Capital Management Services , LP regarding a debt that I do not owe. I sent the following letter to Capital Management Services , LP : This letter is sent in response to Capital Management Services , LP attempt to collect a debt. Correspondence from Capital Management Services , LP was received via USPS on XX/XX/XXXX with a letter dated XX/XX/XXXX.  Consumer rights under the Fair Debt Collection Practices Act, Section 803 requires a response to the information received from Capital Management Services , LP within 30 days. Capital Management Services , LP should be aware of their obligations under FDCPA Section 809. 

Let Capital Management Services, LPs records show that I dispute having any obligation for this debt. Further, Capital Management Services, LPs statement that, This company has been engaged by XXXX XXXX  to resolve your delinquent debt of {$17000.00} is false. XXXX XXXX  records show that XXXX XXXX  has NOT engaged with Capital Management Services , LP to collect the referenced debt. ( XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX,  XXXX XXXX  MST ) Should Capital Management Services , LP choose to report this debt to a consumer credit bureau, it is important to recognize reporting information that Capital Management Services , LP knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. 

Should Capital Management Services , LP pursue a judgment, the judge will be informed of the dispute, erroneous debt collection activities and credit reporting, and a request will be made to dismiss the case based on Capital Management Services, LPs failure to comply with the FDCPA. 

Also, be advised that I am keeping very accurate records of all correspondence with Capital Management Services , LP, written or otherwise. Given the number of consumer complaints filed against Capital Management Services , LP with the Federal Trade Commission, the State of New York Attorney General, and the Better Business Bureau, I too will not hesitate to file complaints with the Colorado State Attorney General ( violation of CFDCPA Section 5-16-107. False or misleading representations ) and the FTC regarding Capital Management Services , LP continued collection attempts. 



I have once again been contacted by Capital Management Services , LP regarding this erroneous debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, I got letter from Chase on XX/XX/XXXX that they decided to end their relationship with me and they are shutting down my account on XX/XX/XXXX. I tried calling them and they don't want to do anything about it. I opened this account for my sons XXXX XXXX money and we had it since then. My son is now XXXX years old and I don't understand why Chase would shut down this savings account and why they refuse to talk to me about it to get it re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Last month Suntrust who is the Lender of my Vehicle wrongfully repossesed my Truck when the payment was not due. I had to call the Police thinking it was stolen and the XXXX XXXX XXXX. I lost two days of work and suffered serious mental stress because of this. I called the Towing Company who had taken the Vehicle and also Suntrust. I explained to Suntrust the payment was not due until the XXXX of the month with the grace period. Suntrust had to release the truck and the towing company had to return the Vehicle that night. I then had to contact the Police and XXXX and try to explain what had happened. I have asked Suntrust to send me the statements but for two years they refused and also to refinance it in my name alone. The major party of the loan is in bankruptcy but I am not and I have made the payments for 8 plus years but Suntrust refuses to do anything and I have filed two previous complaints, but this is the last draw when they steal the truck when the payment is not even due, only to have to return it.

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 2018-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP
State: FL

Complaint narrative:
On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: IL

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

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 2018-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FM Home Loans, LLC
State: NJ

Complaint narrative:
I called up my mortgage company back in XX/XX/2017 because i wanted to get an appraiser to show my LTV is under 80 % so I don't have to pay a PMI on top of a high monthly mortgage but they did not let me. They said the only way to to take off a PMI was to give them like {$50.00}. I did not pursue it because I did not know about the CFPB. I just found out about it today when I sent in a complaint with the CFPB because my mortgage company charged me PMI twice in 1 month. I never look online so I would have never noticed the charge and for all i know i could be charged every month 2 times without my knowledge. I only looked online because my mortgage company sent me a letter in the mail a few days ago that my mortgage is going up from {$3300.00} a month to {$4700.00} and I called to complain that how in the world can you send such a letter raising my mtg 40 % from 1 month to the next month without some type of information how I can get help to pay such a high mortgage. Why am I putting my trust in a bank that does not understand the consumer. Are they willing to take off the PMI perhaps? NO, they are not but they are definitely willing to charge me a PMI twice in 1 month which i just happened to catch them doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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:
About three weeks ago i spoke with a rep at experian about my identity theft case and he reviewed my information and told me that the items would be deleted from my credit file within a few days. I then receive a letter from experian showing the items were deleted on XX/XX/XXXX but got a new letter dated XX/XX/XXXX that the accounts were reinserted. I called experian on XX/XX/XXXX and spoke to a supervisor who stated that they contacted the XXXX police department and they could not validate that the police report was valid which is a lie because i called the XXXX police department right after i got of the phone with experian and asked if someone were to call and verify if the report is valid will they give them that information and was told yes they will. But no one had called them because the lady at the XXXX police department said the report was valid once i gave her the report number. DEPT OF VETERANS AFFAIRS acct # XXXX, XXXX XXXX XXXX acct # XXXX and XXXX XXXX XXXX acct # 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 2018-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I opened an account in XXXX on XX/XX/XXXX. I transferred XXXX to Coinbase, and I bought a virtual currency ( about XXXX Ethereum ) on XX/XX/XXXX. 

That same day I tried to transfer that virtual currency to another platform ( XXXX ) and my account was locked.XXXXI opened a support ticket, and I got an automated reply on XX/XX/XXXX. After that I got another reply on XX/XX/XXXX, saying that there were going to investigate it. It's been more than 3 weeks since that but still no answer. 

Following their instructions, I didn't open another ticket. I just replied the support email a couple of times to see if they were doing something but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Penn Credit Corporation
State: GA

Complaint narrative:
I have been receiving calls for months from XXXX XXXX XXXX XXXX XXXX XXXX. A recorded message is asking for a XXXX XXXX. I do not know this person! 
After getting these calls for weeks, I finally called them and asked them to take them off of their calling list. They refused because I would not provide them with my personal information. I am XXXX   with XXXX XXXX so it is difficult for me to get to the phone. I don't need these calls! They call very often. I have a very small CID, but I have that this month alone, they called on : XX/XX/XXXX @ XXXX PM, XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM Yes, dates are correct XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM XX/XX/XXXX @ XXXX PM During this month, our phone / internet service has gone out on occasion with XXXX, so I don't know if they attempted to call more frequently or not. I do know that my sister-in-law XXXX XXXX and we were in a different state for a couple of days in early XXXX and when we returned there were several calls at that time. I don't know what else to do, since they only seem to want my personal information. I do not know these people ( XXXX XXXX XXXX XXXX and I do not know XXXX XXXX XXXX XXXX? XXXX. My husband 's name is XXXX, but I know he has a credit rating over 820 and we have been married for more than 30 years. Our last name ( nor any of his family ) is NOT similar to anything that sounds like XXXX?. I do not know if someone has found our number and given our number out, but I don't even give it out to doctors. I just want these calls to stop and appreciate any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have 4 student loan total and only 4 and they are on my credit report 12 times. I dont understand. XXXX XXXX held them originally then they were sold to Navient and now they are with the XXXX XXXX XXXX. Each account listed is a duplicate with each provider. So the negative information shows up on XXXX XXXX 4 student loans. same 4 account and negative info under Navient and the same 4 under XXXX XXXX XXXX. 

How do I get all the other loans removed except the 4 student loans that I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi, On XXXX XXXX, 2018, I was in the XXXX XXXX store, and wanted to pay for my car repair. 
They told me that we can apply here for our credit card, XXXX XXXX Credit Card, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined. I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that we were not able to verify your info with your social security number and so it was declined. 
So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: WI

Complaint narrative:
My information includes a false " also known as '' name of XXXX XXXX XXXX  and an address of XXXX XXXX XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX  stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX  years old and retired. XXXX XXXX  has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX  likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can Experian allow false information to be added to my profile without my being informed?

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 2018-02-05 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: IL

Complaint narrative:
In the process of financing & purchaseing a used car, a salesman at the dealership ( XXXX XXXX XXXX XXXX in XXXX ) showed me a credit report which belonged to another individual. This report contained extremely sensitive and confidential identifying information and I should not have seen it.

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 2018-02-05 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX  and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-05 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: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For XXXX XXXX and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05 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: Collection Management Company
State: AL

Complaint narrative:
To whom may concern I have placed a complaint with the credit consumer report due to fraudulent behavior on my credit report with your company.. it shows that I have borrowed money from your company for medical loans. I have never even had a medical loan in my life! So if you would please contact me regarding the bogus information posted on my credit I would greatly appreciate ... there is a company and several medical companies on my credit information with loans on my acct For commonwealth fiancial and I have never did business with this company ever in my life! So I would love it if they removed the fraudulent information off of my social security number thank you! There are four different times your company is listed for the amount of XXXX x4 on my credit please contact me regarding this matter as soon as possible where your company is hurting my fiancial life! Fraud Fraud Fraud Thanks XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation