vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Lvnv Funding ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
Mortgage Co. XXXX XXXX XXXX c/o XXXX Loan # XXXX on XX/XX/XXXX XXXX XXXX bought our loan from XXXX XXXX XXXX  XXXX XXXX when they did the transfer they dropped one of the 3 borrowers names from the loan, they also changed the property address to our mailing address when the property address is completely different. 
We provided the note and deed of trust showing all three of our names on the loan as well as the correct property address and up until XX/XX/XXXX XXXX XXXX.had the right property address on the mortgage statement and then all the sudden on the XXXX statement CMC changed the property address to our mailing address which then caused them to say we are not insured when in fact we supplied the insurance binders for the property address in XX/XX/XXXX as well as XX/XX/XXXX but because internally they changed the property address to our mailing address they say we are not insured and now are charging us for their internal insurance binder at the cost of {$2200.00}. I have literally spoken to every supervisor int he insurance dept as well as the loan dept, I have conference calls as well throughout the 8 mos of dealing with this and everyone is gon na fix it but 8 mos later I am sitting on hold listening to them tell me they are gon na fix it .... We are at our wits end and do not have any other recourse but to diligently call them without fail every month trying to make them see that they did this mess not us ... we only get a run a round as we are now going on 8 mos of pure XXXX. Today we were told by the insurance side and the loan side of CMC that we have been escalated and the completion should be by XX/XX/XXXX .... HELP???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I think my bank is charging to many overdraft fees. This needs to stop. It puts you in a hole you can't get out of. They won't wave any of my fees. This is us bank

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 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MA

Complaint narrative:
I left XXXX to XXXXXXXX XXXX did not own them any money but they sent me to collection agency.

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 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
On XX/XX/XXXX Messerli Kramer ( MK ) sent a me a garnishment notice and started to garnish my wages. It was not until 45 day 's later that I learned that MK was suppose to include in their Garnishment notice an " Exemption Notice '' which would have informed me of my rights and I would have been exempt from the garnishment. By law garnishments must include an Exemption Notice, theirs did not. On XX/XX/2019 I faxed MK an exemption notice. They are still garnishing my wages even though I have legally notified them of my exemption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My mother died XXXX XX/XX/2018. On XXXX XX/XX/2018 I notified the credit card company to close the account which they agreed to asking me to submit a copy of her obituary. They said there was no need to wait for a death certificate. I complied. The outstanding balance was paid off and I believed all was complete. Her estate was due a refund of {$350.00} from XXXX XXXX and from them I requested a check. On XX/XX/2018 they deposited the refund to the Capital One credit card that I had closed on XX/XX/XXXX. Capital One accepted the deposit from XXXX XXXX. XXXX XXXX provided me a transaction number of XXXX. I called Capital One requesting a check for the amount and while they would not acknowledge the deposit they did say any money due would be refunded within 90 days. I called them twice but could not get details from them. This is the only outstanding event on my mother 's estate and I would like to be able to close her business but it has now been almost 120 days with no return of funds. I personally think they should have to include a 17 % to 25 % interest payment with the return since that is the normal interest charges for credit cards. Can you help me get this reconciled? Her account was listed as : XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX. The last statement I received from Capital One was dated XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: MI

Complaint narrative:
I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2018, I sent a letter to ProCollect Incorporated requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation that would verify this debt. They responded back via mail providing me with a billing statement. This does not VALIDATE the debt. It does not prove that I am obligated to pay this debt. They have and are continuing to report delinquency information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 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: SC

Complaint narrative:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and Equifax and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX ; I believe they are a credit reporting agency that is reporting on my credit report I sent two dispute letters requesting validation to the agency with no response. The first letter was mailed certified and signed for on XX/XX/2018 the letter stated you claim I owe {$720.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I did not receive a response or validation. I sent a second letter certified that was also signed for on XX/XX/2018. 

This letter explained By not replying in a timely manner to my initial letter on XX/XX/2018 ; you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

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 2019-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am XXXX from a car accident from a long time ago. I had a XXXX XXXX that needed XXXX. that XXXX left me XXXX. As a result I fell behind on My Bills and went into default on my credit cards AMEX is one of them. On XX/XX/XXXX. XXXX American Express Bank got a Judgment against me. 
In XX/XX/XXXX I was forced to file bankruptcy as my home is also in foreclosure. That Bankruptcy was dismissed on XX/XX/XXXX. 
Also my mother passed away and her home is up for tax sale. I was able to sell my mothers property to pay taxes and Bills. I called the law firm for AMEX the law firm of XXXX and XXXX and spoke to XXXX XXXX XXXX. to settle the matter and get a release of Lien / Judgment. She told me that her firm does not have it any more and that the debt was transferred to XXXX XXXX XXXX XXXX at XXXX ext XXXX I spoke to a XXXX and he said I had a XXXX balance. I told him about the Judgment and that I need a release to close on my mothers property pay my back taxes and go on with my life. He said that the law firm handling this was XXXX XXXX XXXX XXXX at XXXX I spoke to XXXX XXXX he said his firm is no longer handling this and that I needed to call AMEX at XXXX and ask for a manager. I called Amex they told me to call XXXX and XXXX back the 1st attorneys I called them and they said to call back XXXX XXXX XXXX  again. I call them again left a message. Now I am writing you. This is a round robin something is wrong. Please Help Me Before I lose the buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and XXXX and haven't received nothing in the mail. Only TransUnion. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. 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 2019-01-15 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: SC

Complaint narrative:
XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called Experian and XXXX  and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. 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 2019-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
On XX/XX/2018 someone stole my identify and opened a revolving credit line with XXXX. 
They ordered a {$930.00} product in my name. When I was notified on XX/XX/2018 I reported to XXXX, that this was Fraud, I froze all my credit lines, made a police report and reported it to the FTC. They are still claiming it is mine and trying to collect on it. Meanwhile they fraudulently opened a line of credit in my name, without doing the proper due diligence and were neglectful with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.

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 2019-01-15 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: Southern Management Systems Inc.
State: NM

Complaint narrative:
Leasing agreement was terminated appropriately and no additional payment was due. I am now being held responsible for non payment of the agreement. I also never received any correspondence regarding this collection from either XXXX XXXX XXXX or Southern Management Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc.
State: GA

Complaint narrative:
I purchased a car in XX/XX/XXXX and financed it with Nicholas Financial. The car was totaled in an accident in XX/XX/XXXX and paid off within 7 days. The payment was not late and was not reported late ; instead reported correctly as " OK '' on all three credit reports. 6 years later in XX/XX/XXXX, they are erroneously reporting that I was " 30 days late '' in XX/XX/XXXX, " OK '' in XX/XX/XXXX and " OK '' in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I have no knowledge of this debt. Please provide physical proof, original contract with my signature on, any and all cancel checks, I'm requesting for a debt validation of this debt or delete the negative report off my credit.

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