vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST FINANCIAL SERVICES, INC.
State: MN

Complaint narrative:
I previously submitted a complaint against XXXX XXXX XXXX XXXX in XX/XX/XXXX for continually harassing me about a debt that they say I owe. The collect attempts began in XX/XX/XXXX when they sent me a pocket summons stating that they were going to sue me for a bill through 1st Financial Bank in which the last date of payment was XX/XX/XXXX. I also received a demand for payment the same month. I responded by certified mail XX/XX/XXXX requesting validation of the debt, my ownership of the debt, and their ownership or ability to collect on the debt and did not receive a response from the firm until XX/XX/XXXX, which was a copy of a statement from the credit card company 1st Financial Bank. In XX/XX/XXXX I received a second pocket summons stating that they were suing me. I responded to the summons and once again requested validation of the debt. In early XX/XX/XXXX they sent me copies of paperwork requesting information from me and discovery. At this point I submitted a complaint against the law firm and 1st Financial Bank with Consumer Finance. I explained that the debt they are attempting to collect on has not been verified or validated, and is also beyond the statute of limitations. The firm responded to the complaint. I then responded and sent a letter through certified mail asking for them to cease and desist and to stop harassing me. I never heard a response from them stating that they would stop contacting me since they do not have the legal right to do so. I received documentation yesterday, XX/XX/XXXX that they have filed against me with the court.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I resided at XXXX XXXX dorms from Fall XX/XX/XXXX to Spring XX/XX/XXXX and left afterwards In XX/XX/XXXX, my wallet was stolen ( contents included Social Security number, Drivers license, Bank card, medical card and state ID. ) Police report was filed and credit bureaus were alerted for potential fraud issues XX/XX/XXXX, I began to receive letters from FCO collections agency stating that I owed a balance of {$6200.00} from the XX/XX/XXXX school year, 4-5 years after my departure from the area. <P/>Today, I contacted theXX/XX/XXXX in regards to the matter and it was made known to me that another person has a similar name to my own. I disputed the account on my credit report as well as sent an email to FCO. Also called the service accounts department to alert them of this matter.

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 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
My brother XXXX XXXX in XX/XX/XXXX and had a existing mortgage in good standing with US Bank. We have continued to make the mortgage payments and home owners insurance. Under the provisions of his will my brother and I are to inherit his house and we also have title to the house. I am the executor of his will and as such notified US Bank of his XXXX and US Bank was sent a certified copy of XXXX certificate and the small claim probate from the court on XX/XX/XXXX. At that time I requested that my brother and I be added to the loan as obligators without triggering the ability to pay rule. On XX/XX/XXXX I received from US Bank a letter stating that they recognized me as the executor. Also on XX/XX/XXXX we received complete loan packet to fill out as a new loan. I consulted my attorney and he stated that the Dodd Frank law inheriting a home was still in effect. He sent a letter to US Bank on XX/XX/XXXX stating to them that my brother and I can be added to the loan. His office received no response from US Bank. On XX/XX/XXXX I sent a highlighted copy of the law on inheriting a home to US Bank loan assumption dept. Received no response. XX/XX/XXXX I called the loan assumption dept and stated our concerns about being added to the loan without triggering the ability pay rule, US Bank stated that they did not have to honor the provisions of the Dodd Frank rule on inheriting a home and that we would have to do a  complete loan packet.

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 2017-07-07 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: UT

Complaint narrative:
I have disputed many items on my credit report with all three credit bureaus and Transunion is not taking my disputes or providing me any evidence of the accounts that I so call owe on. XXXX removed all accounts that I disputed with them, but Transunion keeps removing and putting back on the same accounts. I sent in police reports of dates when I had personal information stolen from my vehicle. I have disputed the same accounts with them three different times.

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 2017-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I checked my credit report to find that Bank of America is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from Bank of America to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and 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 2017-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Customer service would not help and take care of the negative inquiries reporting to my credit report. I only applied at XXXX company and I have several on my credit report. <P/>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via 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 2017-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
These alleged actions violate the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. By law, debt collectors may not : call you before XXXX XXXX or after XXXX XXXX. contact you at work if youve told them verbally or in writing that your employer doesnt allow you to get such calls in the workplace contact a third party, such as a friend or non-spouse family member, about you for any reason other than getting your contact information harass or abuse you or anyone else they contact about you lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : claim to be law enforcement officers claim that youll be arrested if you dont pay your debt threaten to seize, garnish, attach or sell your property or your wages unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting company use a fake company name Ok so now we know the laws on XXXX XXXX XXXX I received a call at XXXX XXXX I was contacted by Tower Loan of XXXX, MO on XXXX XXXX and was asked why I was late on my payment So then I told them I 've entered into Chapter XXXX Bankruptcy and was told by my Lawyer to give them Her Contact Information and I was then Transferred to the Manager there he immediately told me to give him a time to come pick up the collateral against the loan I have with them. I told him there not getting the Collateral I 'm Filing Chapter XXXX Bankruptcy and attained a Lawyer to contact her. The Manager got verbally load and unreasonable telling me to hand over the collateral that Bankruptcy does n't matter that is there Stuff. I got load with them and hung up.

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 2017-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
My XXXX AMEX credit card charged me for late fee of {$27.00} and interest charge of {$21.00} stating that my electronic bank payment of {$1200.00} posted on XX/XX/XXXX on my AMEX credit card account when it was due on XX/XX/XXXX.  However, per Proof of Payment document from XXXX XXXX, my electronic payment was sent on XX/XX/XXXX. <P/>When I call to inquire about the changes, I was informed by an AMEX rep in the XXXX that a 3rd party vendor of the bank did n't process the electronic transfer in time before the due date, and that it was the fault of my Bank. I explained that did not make any sense because I had requested the electronic transfer be delivered by XX/XX/XXXX. <P/>Later, I called XXXX XXXX regarding the issue and per the Proof of Payment document, the payment was indeed sent to AMEX electronically on XX/XX/XXXX to AmEx. However, it was AMEX who did not process it until XX/XX/XXXX. <P/>Here 's another scam by a credit card company to defraud customers by charging erroneous late fees and interest fees. In this case, I have paper trail to verify exactly when payment was effectively sent electronically. <P/>Customers beware!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07 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: GA

Complaint narrative:
I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 )  it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three major credit bureaus, XXXX, XXXX and TransUnion.

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 2017-07-07 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: GA

Complaint narrative:
I checked my credit report to find that XXXX XXXX XXXX is reporting my account as 30 days past due one time. I do n't ever recall being past due on this account and I find it quite odd that 1 ) it has n't been updated since XX/XX/XXXX and 2 ) they fail to indicate on the report when ( what month and year ) I was allegedly " past due. '' When I wrote to them in XX/XX/XXXX, their response was that " there was no payment record error made and the delinquency that appears on the file is valid. '' I do not agree with this. They fail to indicate when ( if at all ) I was past due and refuse to remove it. I specifically request verifiable proof from XXXX XXXX XXXX to confirm the accuracy and validity of said reporting and if they can not comply within 15 days, which is plenty of time to satisfy my request, I request that the derogatory remarks of " Past due, 30 days '' be removed from the reporting of this account from all three  major credit bureaus, Equifax, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
Was taken in XXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl ) XXXX XXXX from a XXXX  accident. I was not able to give them my Information due to being in an accident. They somehow had my information but failed to include my address. They put the hospital address as my address and I never received a bill. A few months later, the bill shows up on my credit report as being in collections. I contacted the hospital XX/XX/XXXXand told them that they falsely took down my information and never filed with my insurance. They said the bill was in collections and that it was out of their hands. I had my insurance company call them and attempt to make a payment or agreement and they still refused to work with my insurance company. I contacted the collection agency, United Collections Bureau ( phone : XXXX ) in XXXX XXXX and they refused to work with me on the amount. They demanded I pay XXXX dollars on the spot. As of recent, ( XXXX XXXX ) I had to remove the dispute on my credit report in an attempt to buy a house. The debt went to an attorney 's office ( phone : XXXX ) I again offered to settle with the attorney 's office during this time but they would not budge on the amount of payment. They also demanded XXXX dollars and as a XXXX XXXX I did not have. The collection agency then filed several disputes on my credit report stating I was past my due date of payment and it took my credit score down severely. This is the only thing delinquent on my credit report. Over the past 10 years, I paid off my student loans, car payments and several credit cards. I have no outstanding debits and just one single delinquent account ( mentioned above ). Due to this single dispute from this company, my credit went from XXXX to XXXX. This single dispute will cost me thousands of dollars in interest rates if I ever choose to try and buy a home. At this point, if I pay off the debt, the damage is already done to my credit and it will not make a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I 've made several attempts to reach XXXX XXXX at Wells Fargo who was assigned to assist me in getting assistance to modify my loan. These calls began on XXXX 2017. After becoming frustrated I was finally transferred to a supervisor XXXX XXXX XXXX. At that time I was only 6 payments behind. XXXX XXXX then advised me that Wells Fargo had filed a notice of default on my home. I mentioned to XXXX XXXX I need help with a modification and I asked for a reinstatement quote. On XXXX XXXX, I had notice of sale posted on my home. No one from Wells Fargo has tried to assist me in bringing my payments current.

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 2017-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MT

Complaint narrative:
XXXX my sophomore year at XXXX my family and I decided to use Salli Mae as a provider to cover my remaining portions of loans I had left over from the stafford loans I received. It was a sum of a little under 8000. During that process I talked to a employee and was assured numerous time that my loan would n't not have to repaid until I was finished with school. However, after the process was done we began getting calls on collections of the bill and were going to begin on the repayment plan. Confused, we called and talked to numerous employees and were told the same thing, what we filled out was not what we thought it was. Me and my father filled out the paperwork with a employee and were assured by her and by slogans on the website that loans would n't have to begin to be repaid until after college. They gave us no options when asked about other methods of repayment and were constantly hounding me and my family about the repayments, even stating we should pay a higher amount to get the loan paid for quicker. After discussing our options, the loan was then consolidated onto my parents so we could begin repaying what we felt was ok. It was one of the most confusing, frustrating, and disappointing process of my life knowing that I signed my parents up with a provider who cares nothing about our lives, but only about making money. They played us and in the process took us as fools.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07 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: GA

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from TransUnion, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

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 2017-07-07 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: GA

Complaint narrative:
On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX XXXX asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my  XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor XXXX XXXX XXXX XXXX is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and Equifax, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation