vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with ENHANCED RECOVERY COMPANY. I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COMPANY. I am not responsible for this debt with ENHANCED RECOVERY COMPANY. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the Better Business Bureau. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I wanted to get my XXXX  license, so I applied and was accepted into the Program. I needed financial help so I applied for a SallieMae student loan in XXXX and borrowed $ XXXX@ 2.5 % interest. I graduated from the program in XXXX and six months after I graduated I started repaying my loan in XX/XX/XXXX at {$130.00} as requested, in XXXX of XXXX SallieMae wanted {$260.00} a month which we paid until XX/XX/XXXX. We believe that the loan should have paid off in XXXX. We had been struggling to meet bills and could no longer meet the bills and we lost our home in XX/XX/XXXX. I received a job as a XXXX  in XXXX, in XX/XX/XXXX SallieMae filed a garnishment on my wages at 15 % of my earnings which they received {$1000.00} according to the facilities records and the garnishment continued till XXXX totaling {$43000.00} garnished from my pay, I also paid in {$830.00} in XXXX & XXXX. We moved back to XXXX   and I returned to work at my former job in XXXX and paid in {$1500.00} in XXXX, in XXXX SallieMae garnished my wages for {$1200.00} They refuse to provide a copy of the original loan agreement or to account for my payments and the garnishments they have taken. In XXXX Navient, SalliMae 's collection agency recieved {$1500.00} from our tax return, we believe that we have over paid on this loan by {$53000.00}, we ask for your help. We have contacted SallieMae and The US Department of Education and XXXX at XXXX XXXX XXXX, none will produce the original loan agreement or account for the Payments and Garnishments made on this loan, they also say that I signed a loan agreement with them in XXXX which I did not, and we have sent numerous letters demanding an accounting of this loan and the original loan, which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with MIDWEST RECOVERY SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from MIDWEST RECOVERY SYSTEMS. I am not responsible for this debt with MIDWEST RECOVERY SYSTEMS. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if  you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT MANAGEMENT. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have  been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of  Florida to collect on ANY debt. )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
Hunter-Warfield does not own this debt and this debt is invalid. Hunter-Warfield was persuing an alleged debt for XXXX XXXX XXXX XXXX in the amount of {$3300.00}. I have already had two attempted lawsuit 's, in the wrong state which had to be thrown out. Also, the amount of the debt is outrageously invalid. As of now, a law firm- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . are persuing legal action with an alleged balance of {$2700.00} for XXXX XXXX XXXX XXXX. This debt is not owed and is not my debt. This debt needs to be removed from my credit report. Thank You

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent Experian, XXXX & XXXX 609 dispute letter on XX/XX/19 stating : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. '' - I received mail from Experian XX/XX/19 stating account " Remains '' & account " Updated '' and they did NOT provide anything I asked in the letter. I would like all accounts listed in the letter to be deleted please. 
- I received mail from XXXX XX/XX/19 and ALL accounts were deleted. Thank You. 
- I received mail from XXXX XX/XX/19 stating all account were " updated '' with out any proof of anything I asked in the letter. I would like all accounts I listed in the letter to be deleted please. 

I asked for specific items to be DELETED since they have not provided any proof with my wet ink signature or able to verify any accounts as mine. 

All letters were notarized and sent certified mail so I have proof. 

Please help me en-force as this has dramatically effected my families freedom.

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 2019-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TN

Complaint narrative:
Home loan was acquired by Flagstar bank soon after closing in XXXX of XXXX.  The original lender was XXXX XXXX XXXX. County tax information was included in loan paperwork but they failed to include city taxes. Flagstar Bank failed to catch this error, despite servicing many other homes in the same town/county, and after more than two years, we were served with a lawsuit from our city for unpaid taxes. After MULTIPLE conversations with Flagstar and Flagstars legal department, we were unable to determine what happened. I refinanced the same property in XXXX of XXXX, with Flagstar, and had a clean title and, unbeknownst to me, city taxes were NOT included once again. Flagstar has since debited my new escrow account for the XXXX  and XXXX city taxes without my knowledge. This was done after several phone calls, from me to Flagstar, demanding answers to why the taxes werent paid and about the pending foreclosure by the city of XXXX XXXX. With no communication about the steps being taken by Flagstar to resolve this problem, I received a new escrow account summary with two large amounts taken out with no explanation ( these amounts also include penalties and legal fees for the delinquent taxes ). This has brought my new mortgage payment up more than {$160.00} a month. Not only did Flagstar not catch this obvious error that I had no knowledge of, but they failed to include city taxes in my new refinanced loan and, therefor, my closing documents and monthly quote were incorrect when I refinanced in XXXX of 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 2019-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with PROFIT SERVICES GROUP. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with PROFIT SERVICES GROUP. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of Florida to collect on ANY debt. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: MI

Complaint narrative:
To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my capital one auto financial was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/ Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 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: AES/PHEAA
State: MI

Complaint narrative:
To whom this may concern, I am a single mom making effort to correct my credit report. I notice the more corrections I make on my report the more false reporting has happened. For instance in XX/XX/XXXX, I went to get a new car and found out my XXXX XXXX XXXX XXXX was reporting 3 month behind on payment. When I paid them XXXX dollars that I found out that they apply it to the principle on the car and not to the payment. They were continuously reporting me late. I paid off the car three month early and they put on my credit report 90days late and paid. Which was not true. Another issue I have had with XXXX XXXX. I have secure credit card that I was never late on. They closed my credit card due to fraudulent behaviors and has been reporting on my credit since XX/XX/XXXX that I am 90 days late on a credit card in XX/XX/XXXX. Although, this credit card was closed by the creditor who refused to let me pay on the account. Last, my student loams that suppose to be deferred to XX/XX/XXXX are reporting late as well. My credit score is very low. This is making it challenging for me to get housing and transportation. That I worked hard to get .How can we stop companies from abusing innocent people credit report. I am a victim and I am asking for your help and assistance. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I had a XXXX procedure done at the XXXX XXXX for {$850.00} back int he XXXX of 2019. I was not happy with my XXXX and submitted supporting documents to Barclays/XXXX and they sent me letter that I won the dispute and credited my account the {$850.00}. A few weeks later, they illegally overturned the dispute. I contacted the office of the President and she promised to return my call, which she did not and I have attempted to call her to no avail. This is now affecting my credit score/report. This is now in litigation for the excessive damage done to me.

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 monetary relief
Consumer complaint received 2019-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I originally disputed this account on XX/XX/19. I Did not go on the cruise and the cruise company offered a cruise credit. I contacted the company I booked the cruise through and did not receive my credit and also disputed with NFCU. Navy fed denied my dispute I did not receive my money back or get a cruise credit in which the told me I would. I prefer to receive the money back in the same way I paid. How can they just RIP me off without rendering the service.such a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Threatening calls and messages after payment arrangements were and have been set up. Family sickness and health reasons. These collections should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was approached yesterday on XX/XX/19, by a woman who said she needed help to buy food for her family. She gave me the impression that this would be a low cost purchase and so I offered help. On the way to the store, however, she revealed the cost would be in the hundreds and I refused. She said there was a nearby ATM that I could use to get some cash for her. While I was nervous during the entire interaction, at this point I began to fear for my life and safety, worried I could be XXXX, kidnapped, or XXXX. There have been a lot of kidnappings and stories of human trafficking in the news that started with a woman being the lure. I diverted her to my bank nearby. She waited outside the only exit for me and I withdrew {$40.00} in cash to give to her, desperate to get out of this situation. When I contacted Chase Bank the next day after reading about similar situations where the bank refunded them, I was told that since I " willingly '' made the transaction and there were no ATM errors, there was nothing I could do, despite the fact that I made it clear I was afraid for my life and safety and felt coerced to make the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was going over my credit report with my lender when we discovered account that I never opened that where fraudulent. I have never applied for the following account : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I am not sure what else to do at this point. I have file a report with the 3 credit Bureaus and FTC. I need this resolved asap I am trying to buy a Home in the next 30 days.

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 2019-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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