vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: KS

Complaint narrative:
On XX/XX/2019, I received a rather generic style letter from XXXX XXXX. It states they have been notified that my mother passed away and further state they are trying to locate the person who has the authority to pay her outstanding bills. 

My mother had no estate. She had about {$1500.00} in her checking account at her time of death that was a XXXX in my name. The amount went to pay for her cremation expenses. She had no other assets. Moreover, no one is responsible for paying her bills. Only she was legally responsible for debts incurred in her name. 

I am asking that DCM cease sending letters to this address immediately. I have read online reviews of this company sending this out to people, then saying they owe money without stating who the debtor is or the dollar amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX  with no successful resolution. Experian is only reporting me 30 days late. There was definitely an error on their part. I Was never 30 days late.

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 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am being harassed by XXXX XXXX XXXX. They are reporting that I have a debt of the original balance of XXXX but I only owe {$1000.00}. It is indicated on my credit report under ( AB ) =account balance, DPR=Date Payment Received, SPA= Scheduled Payment Amount, AAP= Actual Amount Paid that I have made payment on this account 9 times. This is false. I don't even know the company and have not been paying on this account. Attached is a copy of my up to date credit report from Experian which tells me that the account stays for 7 years and been verified. I have no verification of this false debt that XXXX XXXX XXXX is trying to collect from me. It also states that the account is schedule to remain on my credit report until XX/XX/2021, which is not 7 years. I'm not understanding where this information is coming from with recorded information on my credit report stating that I have been paying this debt that I know nothing about. Can this company produce receipts from me? This company is falsely reporting credit history that doesn't belong to me and the credit bureau Experian is reporting this information with the statement under Comment : '' Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '', which in fact is a violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XXXX I purchased some home decor from a lady via XXXX pay in the amount of {$1500.00}, however after numerous attempts to get my merchandise with no response from the seller I requested a refund however she never gave it to me so I filed a dispute with my bank which they gave a provisional credit on XXXX almost a month after trying to get this lady to give me my merchandise. Then on XXXX today I receive a letter stating that US Bank will not give me credit and are taking that money out of my account XXXX however I just received this letter and it is dated for XXXX. We did not receive any merchandise and we feel we are a victim of fraud however neither XXXX pay nor our bank is actually researching this person. I have numbers for this person, email, and documentation stating every excuse in the book why the seller never shipped my merchandise and even after requesting a refund she still never gave the refund and now her numbers are just ringing with no voice mail. This is horrible, we paid {$1500.00} out for items we never got and our bank will not help us out. We would really like to get our money back for this items because this effects our business in a very negative way. We need some help getting this money back and our bank will not help us with these fraud charges. 

Please please help us get these funds back. ASAP. 

The bank is US Bank and the lady who is working at US Bank That will not help us is XXXX XXXX phone number XXXX The person I supposedly purchased from is XXXX XXXX her phone number that she gave me was XXXX or XXXX her email is XXXX and she also has a name listed as XXXX XXXX. 

This isn't right nor fair to have to fight this like this but we need our money back! 

All documentation I have is via email, invoice through XXXX pay or text messages from me to this person trying to get my merchandise delivered or picked up. So I am not sure how to provide all that in this complaint but I am happy to provide it immediately via email or fax or some way.

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 2019-02-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf.They have just stopped sending me all correspondence all together. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Recovery Management
State: TN

Complaint narrative:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
Closed my account with no warning called three times for explanation with no real answer except letter in mail letter dated XXXX2019 recurved XX/XX//2019 not explanation vague answers I have 0 missed payment in 4years

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 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I tried to resolve this debt with two companies, one called Capio, and another called XXXX XXXX XXXX XXXX XXXX ... I talked to a women named XXXX from XXXX-she said I owed a debt on a bill from XXXX XXXX XXXX from XX/XX/XXXX! Although this just hit my credit in XX/XX/XXXX? I had a great credit score, and within 3 days my score dropped drastically.. I have XXXX the name of these companies, which they have the same address listed, and when I called Capio and XXXX there has been multiple complaints filed against them for years! I need help resolving this issue and removing them off my credit report. 
Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
I refinanced my house in XX/XX/XXXX. Kentucky Housing Corp. reported that I was late the payment for that month. The loan was paid off in XXXX. I called KY Housing and talked to them about what was on my credit report. I was told to dispute what was on my report and they would fix it. Well XXXX was fixed but they reported me late for XXXX XXXX. The loan is paid off so they shouldn't reporting anything on my credit report because the loan was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
A company called MBA Law Offices/ XXXX placed an unknown collection on my credit report. I Received an alert on the credit monitoring system that my score decreased 43 points for a new account. I have received no notification via mail or phone from this company. I have no knowledge of any past due debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XX/XX/XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. They have even stopped sending all correspondence to me. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: TN

Complaint narrative:
I recently checked my credit and I discovered that this company has reported that I owe them and I have never received services nor goods from 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 2019-02-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.

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 2019-02-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
We were under the impression that the credit bureaus were supposed to conduct an investigation, and respond with the results, within 30 days of investigation request. My husband I submitted an investigation request two months ago, and neither of us have heard back yet. We feel like our rights are being violated.

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 2019-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have request my credit reports from the 3 known agencies XXXX, XXXX and TransUnion. I Have prior credit reports dating back from XXXX, most recent is XXXX from XXXX, XXXX from Transunion, I received a response that TransUnion needs {$8.00} payment and that I need to provide them additional information to prove my Identity is a fake credit reporting system. I have resided at the same address since XXXX, and in addition to that I am a United States citizen since birth, as of the recent shutdown who should have to provide any information when you can not trust the government to make sure that our country doesnot fall.

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 2019-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MA

Complaint narrative:
I am trying to cancel my mortgage insurance. We bought our condo for {$600000.00} in XX/XX/XXXX with 10 % down. We now have a LTV of less than 80 % based off of the original purchase price. I put in a written request on XX/XX/XXXX to cancel my mortgage insurance early from Lakeview Loan Servicing ( subservicing by XXXX  ) after we got below 80 % .I got a letter from XXXX saying I needed to do a Broker 's Price Opinion ( BPO ) for {$100.00} to make sure the value of the condo has not gone down. The result of the BPO was that the value of the house was below {$600000.00}. 

My complaints are as follows : 1. The original BPO on XX/XX/XXXX was external only as shown in my original attachment making it an invalid BPO of my property for these purposes. As outlined in the XXXX XXXX   requirements, XXXX XXXX XXXX, under section, Ordering Property Values for Mortgage Insurance Termination, " On one-unit properties, the servicer must order an interior and exterior BPO. '' To resolve this, XXXX needs to order the correct internal and external BPO at their own cost to replace the invalid BPO they made me pay for in the first place. 

2. The second issue is that once this new internal and external BPO is complete, if the BPO is below the original purchase price of {$600000.00}, I should, but wasn't offered the option to pay down my LTV to 80 % of the BPO value. This is outlined by the XXXX XXXX in XXXX XXXX XXXX,  under the section Borrower-Initiated Termination of Conventional Mortgage Insurance Based on Original Value of the Property, under the section 3. Verify the current value of the property is not less than its original value, and finally in the last row of the table. " If ... The BPO or appraised value is less than the original value of the property, then the servicer must ... deny the borrower 's request for termination unless the borrower pays down the mortgage loan balance to the point that it satisfies XXXX XXXX XXXX LTV ratio eligibility criterion. " ( which is 80 % under 3. Verify the current value of the property is not less than its original value ). To resolve this, Lakeview should give me the option to pay down the mortgage to 80 % of the LTV and remove my PMI.

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 2019-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JTM Capital Management, LLC
State: VA

Complaint narrative:
I was contacted by a representative from XXXX XXXX and was informed that they were collecting a debt. First they called my work number, when I advised I could not receive calls at work, the representative advised me he would note that in my file, yet if they took legal action they would be able to call my place of employment. When speaking about re-payment options the representative then informed me that if I did not submit payment in the current month we were in that I would be sued and my wages garnished. The threat of legal action was used to harass me and threaten me into making a payment on there terms during the call. I have never received initial notification of this company taking over the collection of the amount owed for the account. I spoke to my wife, and she then called to speak to the account representative that had called me earlier, she asked the agent who contacted me if the account was in standard collection or legal collections. The representative adamantly confirmed that there were not any legal actions taken currently, even though he had just threatened to garnish my wages on the prior call. My wife asked if they had purchased the debt or if they were collecting on behalf of the original creditor, in which she was informed the company was collecting on behalf of the pay day loan company. My wife asked for validation of the debt to verify that they did have the right to collect the amount owed. Even though I do not deny that I owe this account, the representative did not advise myself or my wife of the legal disclosures that the calls were recorded and that they were a debt collector. This along with the abusive and harassing threats of legal actions to make me set a payment agreement that I was not comfortable to make nor could commit to paying without placing myself or my family in finiacial harm.

Company response to consumer: Closed with explanation