vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was never given any information regarding the debt being collected. I never received a letter regarding the debt verification. I have plenty of information on the falsification of the amount of debt that is owed.The rental company also submitted the debt almost 2 years after I had vacated the home. When I attempted to get information about the debt and what I was getting charged for, to sent me a " Make Ready Expenses '' report, with no receipts and no explanation. They just kept telling me I had to pay the debt with in 24 hours or they would prosecute. 

I was charged on their " Make Ready Expenses '' report for {$1400.00} for AC expenses over the period of almost a month. I was charged over {$1500.00} for landscaping cost, which was part of the dump pile they left when we first moved in ( it 's on Move In damage list report. 
All of these fees including the landscaping, and AC totaled {$5500.00}, with no explanation with most of these repairs being something we struggled with the whole time living there. 

They charged me many fees on trash and dump, which they allowed someone to come into OUR home while we were in the process of moving out and had stuff stolen, aquarium broken, and boxes that were gone through. 

Through out the time of living there, we had to deal with mice, them coming out constantly to fix the AC, as well as fighting XXXX when we first moved into the home. Which I requested an extermination to be done prior to move-in that was never done because of the countless bugs we saw during walk through. The only reason why they called an exterminator was because my roommate received a letter from the doctor stating the home was hazardous to her health. 

Moving into the home there were countless holes and damages as well as the yard being poorly maintained, and constantly high water bills because of the leaks.

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 2016-05-18 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TRANSUNION HAS REFUSED TO UPDATE MY CREDIT REPORT WITH XXXX AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. THEY HAVE COMPLIED WITH THE XXXX, BUT NOT MY AUTO LOAN WITH XXXX TRANSUNION ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.

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 2017-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.

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 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a dispute letter to the bureaus ( XXXX, XXXX, and Trans Union ) this past XXXX 2015 requesting that they remove a XXXX debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have an item on all XXXX credit bureau reports from a company called XXXX listed as XXXX. I have reached out to this company and they are telling me that it belongs to a XXXX XXXX but the credit bureaus are still saying that they have verified this and It meets the FCRA requirements. This is nothing more than a fraudulent attempt for them to not do their job. It does not meet requirements under section 609 of the FCRA as they have not been able to provide validated proof an original signed contract. No matter how much I tell them to remove it from my credit repor they will not do it. They are violating the law. This needs to be taken off my credit report immediately. If you are going to make a law then hold them accountable to obey the law or the law is useless.

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 2017-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am XXXX years old, retired from XXXX after 42 years. My wife and I XXXX for 42 and 39 years, respectively. I COSIGNED FOR MY DAUGHTERS FOR HER FIRST YEAR AT XXXX UNIVERSITY ONLY. Since XX/XX/2001, I have paid back over XXXX dollars with indication that the school received ANY payment. I dutifully paid overXXXXXXXX a month since that time, and received no notification of payment from the college or XXXX/Navient, only harrassing calls and threats. I feel I have been scammed by the school as well as this lender. My wife and I paid for our education loans, why should I have to continue to pay for a FIRST YEAR LOAN ONLY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has reported both a freeze and Insufficient credit history on my credit report. This caused problems with my local bank, which refused the issuance of a credit card, and in addition caused refusal of a rental agreement with a community in XXXX XXXX Fl. I have tried to resolve this problem since XX/XX/XXXX without success. Equifax refuses access and correction of my report. Needed documentation was mailed to them via certified mail on XXXX occasions with result being that I receive the same documentation asking me to provide proof of identity which I have provided over and over again. My last request to them on XX/XX/XXXX generated the SAME document, dated XX/XX/XXXX. I have attached all documentation including the last received document dated XX/XX/XXXX. I need to say that credit reports from " XXXX '' and " XXXX XXXX '' reflect my correct data. The attached file shows all documentation provided to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX XXXX wrote on XXXX/XXXX/2015 XXXX -- -- -I 'm disputing transaction on XXXX/XXXX/2015 for XXXX to XXXX. I believe there is fraud involved in this transaction. XXXX claim they have never received funds and First Tennessee bank claims that funds were cashed. Please replace my card ASAP. If this issue is not resolved asap I will forward the manner to t Consumer Financial Protection Bureau ( CFPB ) the government agency that handles credit card complaints. I have spent several hours try to handle this issue at both banks locally located in spring hill tn and each other blames the other. I have also tried calling customer service and they have been unable to assist. Frist Tennessee Platnium Premier Visa account number XXXX XXXX/XXXX/2015 for XXXX to XXXX. 
This is the email I sent First Tennessee Bank. My spouse went once again to XXXX XXXX XXXX and spoke with XXXX XXXX as instructed by First Tennessee Bank letter is attached below. XXXX XXXX XXXX provide us with a copy of the balance transfer check that was sent by First Tennessee Bank and the reason it could n't be cashed because the micro number was missing from the bottom of the check. 
This was the response from first Tennessee Bank on XX/XX/2015This letter is in response to your recent correspondence regarding your balance transfer request with XXXX XXXX. I attempted to contact you via telephone on XXXX/XXXX/15 and was unsuccessful. 

Our records indicate that a Cashier 's Check was mailed to XXXX XXXX and cashed by them on or around XXXX/XXXX/15. A Financial Center Representative spoke with XXXX XXXX at XXXX XXXX and was advised that the Cashier 's Check was received and cashed. He indicated that a Cashier 's Check was mailed to you due to an inaccurate account number being provided. Unfortunately, you would need to contact XXXX XXXX for assistance in obtaining these funds. You may reach XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. We apologize for any inconvenience this has caused. 

We have requested a copy of the cashier 's check for your records and this will be mailed to the address on file within 7-10 business days. 

First Tennessee values our customers and our reputation. We work hard to answer any question or correct any problem brought to our attention. If you need additional assistance with your request, you may contact Customer Solutions at XXXX, Monday through Friday from XXXX to XXXX, EST. Please reference the tracking ID XXXX when contacting us regarding this issue. 

Sincerely, XXXX XXXX. 
Customer Solutions RepresentativeFirst Tennessee BankTo notify us of an error or request information about your account, please use the following address. Please include your name, your account number or other information that will help us identify your account, the error that you believe occurred, or the information requested. Send to : First Tennessee Bank, Attn : Customer Solutions, XXXX. XXXX XXXX, XXXX TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
American express listed my business card with them as an individual account on my personal credit report. That was never an individual account it was always a business card. They need to prove that it is my debt and that I agreed to joint liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Miller Davis & Peoples
State: WA

Complaint narrative:
I received a voice mail on XXXX/XXXX/XX/XX/2015 at XXXX XXXX from XXXX XXXX at Miller Davis & Peoples stating that I am involved in a civil matter that has been filed against me by their office, that this was a time sensitive matter, and I must contact them immediately. At no time in the voice mail message did XXXX XXXX state that this was an attempt to collect a debt and any information obtained would be used for that purpose, in violation of FDCPA 807 ( 11 ). I have not been served with a summons and complaint by this company. Because I work XXXX with a lot of collection scams, I was immediately suspicious and researched the company online. They appear to be a scam, so I do not feel comfortable returning their call to gather more information. However, I thought I would file a complaint just to be safe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Not a complaint its a plea for loyalty for loyalty. I have been with XXXX for almost 30 years. i have a charge i made that is a JOINT bill and i have to take someone to court to get it paid and me paid. I have paid what i can. i am asking for the interest to be WAIVED for 3 months until i can get the money based on my good record. I know as of the writing of this no interest has been assessed but it will be shortly. PLEASE consider this based on my excellent record and excellent long term payment history with Citi. Card ends in XXXX Just 3 months. I have written in to Exec customer service with no response.

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 2015-06-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch
State: CA

Complaint narrative:
I began a loan modification 5 years ago with XXXX XXXX when I lost a portion of my job after the housing debacle created an economic downturn. I have applied numerous times with XXXX and although I qualified, they rejected my application time after time for erroneous reasons which threw me back into the system. They were finally unable to give me any more excuses so sold me to a new servicer with the same investor ( XXXX ) who then sold me to XXXX with BSI Financial as the servicer. I applied with them and they denied my application stating my arrearages was too much and do not have sufficient income. I do have sufficient income and the banks not taking my payment any longer threw my loan into arrears. I feel that this whole thing has been a scam and had I known in the beginning it was going to be like this I would have never done it. I worked hard for my house and do not want to lose it and I have done everything I have been asked and qualify, but they want my house and are not willing to work with me. These banks are crooks and were all bailed out and were suppose to extend the benefit on to the people, they have done nothing of the sort. I can see why people throw the towel in because they make it so difficult. My interest rate is 6.75 % and they could very well reduce my rate and make it easier. I am asking for help. They are saying even after I appeal this time that there will be no more appeal so time is of the essence. Please help. 
My name is XXXX XXXX I am at XXXX XXXX XXXX in XXXX, XXXX XXXX. My phone number is XXXX. My email address is XXXXXXXXXXXX. My loan number with BSI Financial is XXXX. My contact is XXXX XXXX XXXX - XXXX. The current letter I received is from Loss Mitigation dept. That address and number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX - Fax # XXXX. They said I have to have the appeal in by XXXX/XXXX/15. 
Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
I started a refi with Loan Depot. I was given my final closing documents showing my portion to close was approximately {$400.00}. I then get a phone call 2 days prior to closing f stating hat the loan officer had made a mistake with the numbers and I would need over {$6000.00} to close. I asked the new individual that i was working with if he was certain that if I came up with the new amount if the loan would close. He advised me it would. I took a withdrawal on my XXXX for the monies needed. I received my final closing documents again. Less than 24 hours before the closing I was told that there had been a mistake with their figures on my debt ratio and they can not close the loan. I asked how did his happen as my debt had not changed at all since the approval. The loan officer advised me that an underwriter that is no longer with their company made the error and calculated overtime in. I have never had overtime nor did any documentation that I had given showed ANY overtime. I then asked the company to refund me my taxes and penalties that I incurred due to getting my monies to close and Loan Depot has refused. This is a fine example of fraudulent activity by their company. I want this fully investigated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Recently I contacted the XXXX credit bureaus XXXX requesting my annual credit report and I realized that the company name DIVERSIFIED CONSULTANS with address XXXX, FL XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX. Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including XXXX. Therefore I need XXXX to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: NJ

Complaint narrative:
This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shapiro, DiCaro & Barak, LLC
State: NY

Complaint narrative:
Shapiro, Dicaro & Barak was sent a notice demanding validation of a debt on XX/XX/XXXX via mail and personal service demanding Shapiro, Dicaro & Barak validate the alleged debt they are collecting on. Shapiro, Dicaro & Barak refuses to validate the debt. After carefully reviewing the documents they submitted to the court. I have uncovered new information and extensive fraud in the alleged debt/ account Shapiro , Dicaro & Barak are alleging belongs to i. Shapiro XXXX Dicaro & Barak presented documents that have serious issues of fraud and violates the false claims act, T.I.L.A, FDCPA XXXX XXXX, Frauds and Swindles. Due to Shapiro, Dicaro & Barak misconduct and dishonest practices, i have lost {$15000.00} over a time period from XX/XX/XXXX to present. And my grandfather and husband who are also aware of this fraud, have incurred health challenges as a direct a direct result of this company and their continued trespass and false representations.

Company response to consumer: Closed with explanation