vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rauch-Milliken International, Inc.
State: CA

Complaint narrative:
This is a follow up complaint. My original complaint # is XXXX. 
In my original complaint : I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX my attorney responded on my behalf. RMI did not respond to my attorneys letter. On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately ( capitalized for emphasis ). I believe It is improper for RIM I to be contacting me directly when I am represented by my attorney. RMI never responded to my attorneys letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue. 
The company responded to my complaint # XXXX on XX/XX/XXXX, stating that " File has been closed - collection efforts terminated. '' On XX/XX/XXXX, my attorney received further collection efforts from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: Colony Brands, Inc.
State: VA

Complaint narrative:
XXXX XXXX account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. 

The account is currently with XXXX XXXX Credit Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they  arrested her for XXXX conduct and I had her served with an XXXX  against XXXX  in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX   was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter. 
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!! 
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX. 
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was approved for a permanent loan modification. I was required to pay XXXX PER A MONTH starting XX/XX/XXXX. Everything was going great, until XX/XX/XXXX, when LO AND BEHOLD, Chase Bank sends me a bill showing that I am over {$11000.00} in arrear on my payments. 

When I called to receive the answer, the woman stated I did not pay XX/XX/XXXX XX/XX/XXXX. AND XX/XX/XXXX. 
This is totally false. I am enclosing all of my bank statements showing that my payments were withdrawn directly from my account, and that NONE of my payments were returned NSF as she indicated. 
I am also enclosing copies of all of my mortgage statements showing that NOT ONE mortgage statement shows that I am past due any money.

Finally, if I am approved for a loan modification as I was back in XX/XX/XXXX, I should have nothing that I owe Chase Bank because all arrears are added back to the mortgage. 

This is A HUGE ERROR. I am very, very concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: TX

Complaint narrative:
On XX/XX/XXXX I contacted Transunion, XXXX, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and XXXX. Transunion said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

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 2018-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
My mortgage company is U S Bank I have submitted my financial several time with thin the last year and a half, and request for a mortgage modification. I have been turned down several times. I recently received a wage increase from my employer. I want to keep my home. I have resubmitted the request for mortgage modification with financials as of XX/XX/2018.

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 2018-06-20 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
They call repeatedly during work hours and make false statements to try and get me to sign up for their features. They call before the payment due date every day until the payment is made. This month they began calling 2 days before the payment due date during work hours ( calls began XX/XX/XXXX - payments are due the XXXX - by their own rules i have 20 days from the due date before a payment is late ). I am not allowed to use my phone at work. When I got in contact with them ( XX/XX/XXXX ) I asked why they were calling so much before my payment was due they said that it was because they were ready to take my loan out of default. I said that was great and I would be calling back in the next few days to make my payment. They told me they would advise me about the status of my loan when I made the payment. They continued to call XX/XX/XXXX & XXXX during work hours. When I made my payment XX/XX/XXXX they tried to get me to sign up for their paperless notifications. I declined. They had no knowledge of the conversation where I was told about my loan coming out of default and said i started receiving the calls before my due date as a reminder. I asked to speak to a supervisor and asked them to listen to the recording of the conversation on XX/XX/XXXX. Today XX/XX/XXXX I got a call back and the person I spoke to confirmed that I was told my loan was ready to come out of default but I was told simply that the person who spoke to me had made a mistake and not looked up my payments and that I was still months away from my loan coming out of default. I was also told that he saw where I had asked previously to to get called repeatedly and he simply didnt know what happened. I have asked them repeatedly to stop calling so much they always claim that theyre sorry and they dont know what happened but theyll fix it and as soon as the next payment date approaches the calls begin again. Every month they have a new excuse for calling me and are constantly trying to get me to approve autopayments or paperless billing. Ive had trouble looking for work and in the past when payments were late for longer periods they have called my parents and siblings trying to reach me. Its incessant and unnecessary and has caused my family and my self a lot of undue stress.

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 2018-06-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as sustituted trustee scheduled a private trustee 's sale ( # XXXX  ) together with Select Portfolio Servicing , Inc. without compliance of the applicable laws.

I requested specific documents, and statutes under the applicable laws on XX/XX/2018 ( and also in XX/XX/2018 ).

SPS responded that they'll provide requested documents and statutes within 30 days, which I have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR recovery services has tried to illegally " reage '' and " park '' and old debt onto my current credit profile. I have received a letter from the original creditor showing both accounts have been closed since XX/XX/XXXX and XX/XX/XXXX. They are past the statue of limitations. ABR recovery service has now knowingly reported false information to the reporting agency of XXXX. If these accounts are not removed I will now seek legal counsel against ABR for illegally and knowingly reporting false dates, balances, account numbers and account delinquency year to XXXX credit agency.

Please see attached letter from the original creditor, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 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: The Outsource Group, Inc
State: OK

Complaint narrative:
I recently disputed a collection account that was on my report from XXXX XXXX. It had dates and charges I didn't recognize. I sent them a certified letter on XX/XX/XXXX and they received XX/XX/XXXX. I requested for them to investigate the account they had on my report as I have never done business with them or any XXXX XXXX XXXX XXXX. I have never been to an integris XXXX XXXX XXXX nor do I even live or have ever lived in XXXX XXXX. I asked them to provide DOCUMENTATION that the account belonged to me with signatures and any identification that was taken so we could track down who was behind using my name or have a similar name to checking into this hospital. 2 days later is the response I got They sent me a letter that I received on XX/XX/XXXX stating They determined the balance on the account is accurate and my responsibility. No documentation or anything.

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 2018-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX, Equifax, and XXXX about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from Equifax and XXXX. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I contacted XXXX, XXXX, and Experian about unauthorized inquiries o my credit report due to fraud. I sent letters. I received no response from XXXX and Experian. XXXX  said they would remove the following accounts but didn't. I have been dealing with fraud ever since my car was stolen in XX/XX/XXXX. Inquiries which are hurting my reports. Since my original complaint in XX/XX/XXXX, I have new inquiries which are not authorized by me. Some inquiries are from companies I have had for years. Why would I authorize a inquiry on open credit lines I've had for years, I already have accounts them!!

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 2018-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has reported inaccurate information for 3 years past the statue of limitations on ( 2 ) accounts. They have allowed XXXX XXXX XXXX to report inaccurate information and illegally try to park old debt onto my account. I have a letter from the original creditor, XXXX, that these two accounts were closed in XX/XX/XXXX and XX/XX/XXXX. They were then sold to numerous collection agencies. Both accounts were removed at one point, and XXXX XXXX XXXX bought these accounts and reported inaccurate information to get Equifax to report on my credit file once again. They have continually not investigated properly the age of the accounts, the dates of the accounts, nor any of the history of the accounts.

I will attach the letter from XXXX. Please remove both accounts from my credit profile. 
If I do not get a removal of both of these accounts, I will seek a consumer debt lawyer and file a lawsuit against Equifax for now knowingly reporting inaccurate information in my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX is showing a Bank if America account opened in my name on XX/XX/2017 and closed the same date and its showing unpaid with suspected fraud activity. Ive never had Bank of America. Ive been with XXXX XXXX XXXX for 4 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 2018-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: TN

Complaint narrative:
I have a mortgage that is interest only, I've requested a mortgage modification and faxed financials per my mortgage company request. The refuse to fix my interest rate and change my loan from and interest only loan. I have had a wage reduction and I don't want to loose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial has the worst telephone customer service because they just make excuses and try to place blame on the consumer. They have no empathy and offer no solutions. When asked to speak to supervisors their employees say that their is no one above me. 

On XX/XX/2018 I was contacted by GM Financial to make a payment that I was 27 days late on an auto lease payment that was due on the XXXX. I did not have my bank account information on me at the time and so I came home and made the payment online and also changed my bank account information. The reason that I was late in the first place is because I changed my bank account and had closed my old bank account that was linked to the lease account on a reoccurring payment plan ( ACH ). I changed the XXXX XXXXk account information to the new bank account that I had established for the one time payment and also for future payments which I also thought was changing the ACH account. 

I just so happened to be looking at my GM accounts again in XXXX and then noticed that the automatic payment had not been pulling. I immediately made a payment and called customer service. Customer service told me that in order to establish a new ACH account that I would have to send a cancelled check and an automatic payment enrollment form. She was wrong because I successfully set it up without having to do that. I just went online and set it up as I thought I had before. The issue was that the reason it had not gone through before is because customer service first has to remove the original payment account. You would think that as a multi-billion dollar organization they would have a streamlined process in order to change the automatic payment details on your account. Aside from that the customer service representatives make no effort to properly inform the customers of the steps needed to change this as the first representative that I spoke to in XXXX made no indication that I had to do that. 

My XXXX has gone down from a XXXX credit to a XXXX average XXXX score with the three different credit bureaus and GM Financial gave me a fax number to write to dispute their reporting to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i have tried to get these two collections off of my credit bureau report through all 3. They are very old. XXXX and XXXX.one of  the companies are no longer in business and XXXX XXXX XXXX is still trying to collect for {$120.00} and XXXX XXXX XXXX is not in business anymore. 

XXXX XXXX service is an old account for {$120.00} and has been paid. They will not take it off. Its old from XXXX. Actually XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
I wrote and called the company and advised them that this is fraud I also advised the credit companies

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