vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I wrote and sent a Certified Letter with Read Receipt for debt validation to Consumer Collection Management on XX/XX/2018 at Consumer Collection Mgmt. XXXX XXXX XXXX XXXX XXXX, MO XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that Consumer Collection Management provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). 

I asked for the following : 1 ) Agreement with the creditor that authorizes CCM to collect on the alleged debt. 
2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 
3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 
4 ) Proof that the Statute of limitations has not expired. 
5 ) Complete payment history on this account along with an accounting of all additional charges. 
6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCB Credit Serivces, Inc
State: FL

Complaint narrative:
I had a few hard inquiries without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have a inaccurate account in collections on my transunion credit file and an ( XXXX XXXX ) unauthorized inquiry I contacted them about with no success in removal. These same items were successfully removed from my other credit files. I desired for the collection to be investigated along with the inquiry.

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 2018-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MI

Complaint narrative:
I received a rejection letter from One Main Financial for a loan that I did not apply for. I have not applied for any loan from any company and would like to know why that is on my report as a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Stanislaus Credit Control Service, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX My Account number XXXX,XXXX,XXXX,XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: KEYCORP
State: UT

Complaint narrative:
I applied and was approved for the KeyBank Latitude credit card with a promotional interest rate of 0 % APR for 15 billing cycles. Additionally, the offer included a 0 % introductory convenience check fee and/or balance transfer fee. Checks were provided in a separate mailing and indicated that they could be used to make purchase 's, transfer balances, or get cash. I attempted to write a check for {$11000.00} that was returned and I was charged a {$12.00} return fee. My available balance on the card indicated I had {$11000.00}. When I called to resolve this issue I was first told I the check was returned because I didn't have enough credit available. This was clearly false. I was then told that checks have a fee, which may be true for some, but these clearly indicated there would be NO fee. Finally, they came back with the answer that these checks apply to the " cash advance '' limit, which was only between XXXX-XXXX on this account. This was not clearly disclosed ANYWHERE on the checks provided. My " cash advance '' limit is also not clearly established on my online account or any of the disclosures that were provided. This is a clear case of consumer harm that could easily have been avoided. Attached is all the supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-13 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: GA

Complaint narrative:
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Experian then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX Agent XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Experian or any XXXX XXXX XXXX. 
The only clear thing is that the Experian is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Experian. I humbly ask for assistance in having this information deleted from my Credit file at Experian.

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 2018-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I've receiving calls and mail from a debt from XX/XX/2013 from a company that I don't know. Asking for bank account to collect amount or partial payment over the phone. stating that my information was sold to them and they are entitled to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: HI

Complaint narrative:
My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 2018-02-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a Wells Fargo credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.

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 2018-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: AZ

Complaint narrative:
The collection agency that is attempting to collect a debt from me is not licensed to operate in my state. Thus, I am disputing this collection. I have included the list of all active licenses for collection agencies from my state 's government website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Trans Union then alleged to have verified my public record information with XXXX and the US Bankruptcy  Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Trans Union or any Credit Reporting Agency. 
The only clear thing is that the Trans Union is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of  any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Trans Union. I humbly ask for assistance in having this information deleted from my Credit file at Trans Union.

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 2018-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Premier Financial, Inc.
State: CO

Complaint narrative:
I sent a certified 609 letter to XXXX on XX/XX/ requesting copies of validation of debt they received from First Premier Financial that was closed and reported as a reposession. I spoke with a representative last week on XX/XX/ and he stated the handwritten letter was received. The information came back as verified however proof was not sent to me per request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover closed both my credit card accounts with no notice and no reason. When I called they said it was a " business decision '' and I would like my accounts opened backed up. I have a savings account with them and I feel I have been mistreated when I had over $ XXXX in a savings account for most of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
CFPB # XXXX XX/XX/XXXX Consumer complaint narrative Lender and servicer are in violations of the CA HBOR. They acknowledged that they received a complete modification package from us. After a day, they decided to deny us for the loan modification. They never fully reviewed the loan mod package and never suggested and discussed with us the alternative options to prevent foreclosure. They made clear their decision to deny us for the loan mod is final and subject to no further appeal. They never stopped the foreclosure sale date while we are seeking for the approval of the loan modification option. Thank you. 

Company has responded to the consumer and the CFPB .... 
XXXX Hello CFPB, Above was the complaint I submitted last yea against FCI Lender Services and the lender. Specifically, the reasons they denied us of our loan modification application last year were " due to our income and multiple properties. '' and that their decision was " final and without further appeal. '' The fact of the matter is we have only one additional property ( our original home ). And, regarding my income, I was on medical leave mostly during the months of XXXX and never got paid with XXXX XXXX XXXX until end of XX/XX/XXXX. 

Anyway, after I wrote the above complaint to CFPB, I remember receiving a letter from FCI Loss Mitigation department that the denial was actually due to the fact that the loan modification package was submitted less than 37 days before the sale date and the first denial letter by the lender was only a courtesy. 

By the way, upon receiving the first denial of the loan modification package, I filed my first bankruptcy to save our home from foreclosure ... There have many many issues in the bankruptcy courts until the present times. 

However, on XX/XX/XXXX, we submitted another loan modification package to FCI Lender Services. After a week, we again received a denial letter stating that " our lender is unable to offer a Loss Mitigation Assistance Program because the loan modification request was received 37 days or less prior to the scheduled foreclosure sale date of XX/XX/XXXX. '' My question is, which one takes precedence ; the CFPB rules or the XXXX California Homeowner Bill of Rights stating that loan modification should be reviewed upon receipt of the package even at the day of the foreclosure sale? 

Please, advise. 

Thank you, California Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: Rent Recovery Solutions
State: GA

Complaint narrative:
My name is XXXX XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night  when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit, People are also putting apartment and other things in my people will also put in the apartment and other things on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13 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: AZ

Complaint narrative:
I had a mortgage from Countrywide originally. Then was bought by Bank of America after getting a modification and then making my payments on time for almost a year in 2012, Then after sending my payments still on time. Bank of America then the mortgage was then bought by XXXX XXXX XXXX, Again all my payments were made on time. I have documents proofing this. I asked XXXX, XXXX   and XXXX  and sent the documents that I have from my XXXX XXXX  account proving the dates of payments. I received a letter back from XXXX that they would not change the lates on my report from both Bank of America and XXXX XXXX XXXX. I have been working on this for three years to get this straight and my credit report accurate and have no late payments from either Bank of America or XXXX XXXX loans since 2012.

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