vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Daniels Norelli Scully & Cecere, P.C.
State: NY

Complaint narrative:
Debt collecter removed, and caused to be removed ; monies from my bank account, under pretext of a levy which was not recorded or executed by the XXXX of XXXX XXXX ; XXXX XXXX in which I reside. Bank refused to provide me with copies of papers served on them, so I personally checked with the office of the XXXX of XXXX XXXX ; where I was assured that they have no record of any levy or execution upon any bank account owned by me. This is as of today XXXX XXXX, XXXX, the monies were removed on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: MO

Complaint narrative:
Wrongful foreclosure after a set aside of forclosore, Judgment of satisfaction made {$00.00} dollar amount owed, No loan with either company,, policy would not allow a loan, Company, for closed evicted me out my home and sold property, XXXX but state they had no sale on property, nor show an actual loan I had with company. Collected money but show no actual collection on a loan I established with bank, Person exclaimed to be working for bank as a lawyer was n't. I received my home back through the village jurisdiction because of the ordinance code and General Warranty Deed XXXX/XXXX/XXXX was evicted by another company XXXX/XXXX/XXXX, Case held set aside.

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 2017-10-16 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: DISCOVER BANK
State: FL

Complaint narrative:
All these letters were sent out to creditors advising them to please remove on authorized hard inquiries from my credit report. I have not authorized anyone to place a hard inquiry on my credit report nor am I from money with either of these companies. I have n't heard any responses from anyone and it 's been well over two months since I sent those letters out. I would like for these unauthorized inquiries to be removed from my credit report as it is damaging and hurting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There were fradulent ATM transactions from my accounts when I was travelling to Alaska. All the transactions ( 5 of them ) were in and around XXXX XXXX while I was in Alaska, were ATM withdrawals of {$300.00} each. The ATM card was with me and the pin number is very secure and nobody other than me knows the pin, including my spouse. I raised a complaint with Wells Fargo bank online and they mentioned that since my card was secure and my secret pin was not used, this is some fraud charges and took my case. after making me wait for 2 weeks the bank got back saying I made the withdrawals myself and held me liable for these charges. This is a case of low security on my card and the account was supposed to be {$0.00} fraud protection premium account. I park majority of my liquid funds in this account with this trust. My card is already blocked and the online account is disabled, but more than me wanting to find who did the fraud I want the {$1500.00} back. The bank did not ask me any proof for alibis and my card usage outside the area where the fraud took place, not sure how they came to a conclusion that this is an authorized transaction by 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 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am attaching a copy of the letter I sent to Equifax on XXXX XXXX. Over two months have passed, and I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax on XXXX XXXX. I asked them to investigate my account, and make corrections. Almost two months have passed, but I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
In XXXX my husband and I claimed a bankruptcy due to loss of employment. Part of that bankruptcy was a stipulation or modification with BMO Harris ( BMO Harris attorney was at the hearing ). The stipulation was that we pay XXXX per Month for 36 months with no interest and XXXX per month beginning on XXXX/XXXX/XXXX with an interest rate of XXXX %. My husband and I followed the stipulation and now that our bankruptcy is discharged and our credit rating a little better decided to refinance for a lower rate and combine the first and second mortgage. 
We had to request a payment history from BMO to show we had paid our payments timely. When the payment history was provided the payments were not recorded timely. Sometimes a whole month was skipped and two payments recorded the next month. Sometimes the payments were recorded late in the month. This did not show a consistent payment so I had to reach out to my bank for the history from the bill pay with chase bank to show that I had paid on time each month. This almost affected my ability to get a refi. On the payment history provided by BMO it showed a balance of XXXX. While I understand that this is not a payoff, it is usually pretty close. Prior to closing we requested a payoff. We were first told it would take 3 weeks. After some argument they said 5-10 days. When the payoff was finally sent it showed a balance of XXXX. This was a huge surprise. BMO despite that fact that my BK had discharged and I had requested statements did not send any.
When calling BMO Harris I spoke with XXXX who said that they had applied my whole payment to principle and had not followed the XXXX % that they were supposed to. This was another obstacle for us to be able to refinance as the amount was XXXX over what was on the payment history sheet sent previously. They did not follow the court order of the Bankruptcy, and were now wanting to back charge me all of that interest. This also will affect my taxes. I am trying to better my financial situation as a responsible consumer and kept my home instead of adding to the ugliness of the home crisis at that time. BMO Harris seems to have been irresponsible and I am now paying for that.

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 2017-10-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
my macys account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 2017-10-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
since XXXX my accounts at Chase and every account I have with other agencies has been accessed without my consent over and over, sometimes at the ATM, but mostly my Slate card and sometimes my Freedom card. I report right away and Chase gives me temp funds. then, sometimes they reverse an And take funds away, leaving me overdrawn. Usually I still have my cards and most of them now have the chip, which is NOT fraud proof according to the internet. every claim i have made is true. i would have been better off to lie and say my cards were missing. now Chase has closed my credit cards. they are maxed out anyway and my credit score is down  more than XXXX points. 2 days ago Chase also closed my checking/savings accounts without warning. my credit is ruined and i can not pay my bills. I am paying off the credit cards for items that i did not purchase. I had a XXXX in XXXX and live on my XXXX XXXX. This series of events has caused me extreme hardship through no fault of my own. in addition to all of the bank fraud my apartment has had items stolen. i very much want to move away from here, but have no money to do that. it 's a nightmare.I filed a complaint here and the answer was that they are still looking into it. I will file with the Attorney General if I ca n't get all of my funds credited. chase should have protected me more instead of calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sortis Financial, Inc.
State: FL

Complaint narrative:
ClearSpring Loan Services provided a mortgage payoff statement showing {$68000.00} was due in order to complete a refinance of the mortgage and pay off the existing loan. The payoff was provided on XXXX/XXXX/XXXX and was good through XXXX/XXXX/XXXX. The refinance closed on XXXX/XXXX/XXXX and the full amount XXXX {$68000.00} XXXX was sent to ClearSpring Loan Services. A few weeks later they began calling me saying i still owed $ XXXX. However, they will not provide details as to what that $ XXXX relates to. They wont provide a detailed statement, but instead are requesting payment in order to prevent my account going to collections and negatively impacting my credit score. I just called them again today in return to another one of their calls and they are still unable to say what the $ XXXX due relates to. I have a copy of the payoff statement they provided and proof those funds were provided to ClearSprings. At this point i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
I have a mortgage that is serviced by RoundPoint Mortgage Servicing in XXXX, Tx. In XXXX of XXXX, due to health reasons, we filed a Chapter 13 Debtor Reorganization Plan. The Mortgage is paid outside of the plan. At that time, Roundpoint stopped sending us statements, escrow statements, or acknowledgement of payments received. 

I keep getting statements from XXXX XXXX and From FEMA regarding taxes and flood insurance. Roundpoint will not acknowledge the escrow balances and will not say whether they are paying the taxes and Flood Insurance. 

They claim they can not talk to us but our attorney and we authorized them to talk directly to us. Roundpoint now says they never received the authorization even though they told me before they had received it. We have no way of knowing when the payments are received and if they are being applied in a timely manner nor how they are being applied. 

I believe they are out of compliance by not sending us statements and advising us of amounts due. I do not know if they are applying the payments late and accumulating late charges in order to make our mortgage larger. 

Like I said, we signed a document stating that we would not hold them liable for speaking directly to us under the blanket order from the bankruptcy court. Our attorney agreed.

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 2017-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc.
State: TN

Complaint narrative:
NOTICE THAT UNDER FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 ( b ) IT IS THE RESPONSIBILITY OF THE DEBT COLLECTOR TO PROPERLY VERIFY THE DEBT. YOU HAVE YET TO DO THAT AND ASSUMED WE OWE IT. UNDER FLORIDA STATUTE 83.595 IT STATES THAT THE LANDLORD HAS ONLY 5 OPTIONS. AND CHARGING ME FOR THE LEASE AND HAVING ANOTHER TENENT ARENT THE OPTION. I WILL NOT VERIFY ANY INFORMATION. IT IS MY SUGGESTION THAT YOU ALL DO A PROPER VERIFICATION WITH THE LANDLORD AND MAKE SURE TO VERIFY WHEN A NEW TENANT SIGNED A LEASE. UNTILL YOU CAN PROVIDE PROPER VERIFICATION YOU WILL REMOVE IT FROM MY CREDIT AND MY WIFES. 

This debt according to the placement on my credit report was from XXXX XXXX, my wife and I have never received notice. This was just placed on our reports on XXXX XXXX, XXXX. We have never had a chance to fight it. Tenant/Landlord laws in Florida state that a landlord has only 30 days after a tenant vacates the property to collect damages. Also I have personal proof that this property was rented back out immediately after the landlord refused to cure a 7 day notice. I can provide proof that the landlord allowed race to control a situation and that this debt in illegal under the law. The landlord showed up to the property without notice and told me that it was ok that we were leaving. This was witnessed by myself, my wife and my mother in law. This landlord will lose if this goes to court. You have taken on a debt that is unsubstantiated. F.S. 83.595 states that if the landlord relets the property the tenant is only responsible for the difference between when they breeched the lease and when the new tenant rented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: CA

Complaint narrative:
my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
my XXXX account number ending in XXXX, does not have any delinquencies, but bureaus are reporting lates on all the credit reporting, i have a prove from the creditor for which they have agreed to the error, please have all the bureaus change their reporting XXXX to current with no late payments

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 2017-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: CA

Complaint narrative:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 2017-10-16 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: CA

Complaint narrative:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )

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 2017-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
My credit card payment with US Bank was due on a Sunday. I paid on Monday morning ( XXXX/XXXX/XXXX ) the following day, and was charged a late fee. The credit card act of XXXX allows for payments that are due on Sunday to be paid without penalty on the following week day. I have asked 3 times for US Bank to reverse the charges and they have not done so. They have sent me an email stating they are forwarding my email to their " President '' for a response, which I have never received. They sent me XXXX a packet of the legal terms of my card. I am extremely appalled at the blatant refusal of US Bank to resolve my issue or even to respond in other than an enigmatic or a secondary manner.

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