vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-03 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: BB&T CORPORATION
State: SC

Complaint narrative:
I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that Branch Banking and Trust reported account abuse on XX/XX/2018. The issue is that I have never opened an account with Branch Banking & Trust or BB & T. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings

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 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Integrated Mediation Solutions LLC
State: CA

Complaint narrative:
Today XX/XX/19 this company called my son, wife, neice and nephew and said they were going to send this to XXXX XXXX XXXX and said it was urgent that I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I need to change my address and phone number and everyone I try they give me the round around and it really makes me feel so sad that i want to sue guy for it the emotional distress Its my name my identity and I want to take care of it not have a lot of pinguess give me the round around and why not have some one who speak XXXX the ladys or man I talk to I did not understand her I dont understand s them! sincerely XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical 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: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
Advanced Recovery Systems, whose address is XXXX. XXXX XXXX XXXX, MS XXXX, sued me for medical debt in XXXX County Justice Court. I showed to the hearing and cited improper venue because the FDCPA states that the suit against a debtor is to be brought in the county where the debtor presently resides or the county where the contract was signed. I am a resident of XXXX County in the State of Mississippi and was when I received the healthcare service from the original medical providers. The medical providers are all entities located in XXXX County. ARS is a debt collector and they bundled 4 independent assignments from 3 different entities into one lawsuit. I never received the demand letter from the attorney of record, XXXX XXXX XXXX XXXX, representing ARS because it went to the county that the suit was filed. ARS, debt collector, clearly violated my rights under the FDCPA and due process rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
Me and my wife decided to rent and apartment but we couldnt take it, so after a while we received a call from southern management services a collector in XXXX FLORIDA, and my wife paid in two payments the amount owed of a total of {$1200.00}, her credit is fine but it is still showing on my side.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NC

Complaint narrative:
Tek-Collect Incorporated is holding a collection account in my name. I am unable to verify the debt as they show that their license are suspended in the state of NC with a Notification of Revenue Suspension dated XX/XX/2017. 

This is causing a very negative impact on my credit report as it shows an amount of {$1100.00} with an original amount of {$1100.00}. I would like to have those removed since this company should not even be collecting or can not validate any of my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: OH

Complaint narrative:
Diaz and associates contacted my place of employment without ever notifying me by mail or my private number on XX/XX/31 and XXXX. Theyve called there several times. When I called on XXXX to verify why they was calling for an unknown debt and asked why I was being harassed at my employer I was transferred to a manager ( XXXX XXXX ). He became angry on the phone and threatening that I need to pay debt of {$3200.00}. I then called the payday loan and it was accurate I owed a debt but my debt was given to XXXX XXXX. I called them there and my account is still open with them, not Diaz and associates and my amount asked is actually {$2300.00} per XXXX XXXX. Another person called me from Diaz and associates and again tried to say I owed this debt, wanted me to give him my current address and other information and demanding i pay them. When I said I was filing a complaint and calling my attorney general he became angry and was saying I owed this debt and needed to pay. I explained several times Ive spoke with XXXX XXXX XXXX and I will be going through XXXX XXXX the debt collection XXXX XXXX XXXX   sent my debt to. I tried to tell him to stop calling my employer and he hung up. I called back because he would not let me get the words out and kept hanging up on me so I could not state not to call anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I was paying property taxes separate from mortgage. I fell behind 3 years @ XXXX per yr totaling XXXX. XXXX XXXX XXXX paid it and allowed me to pay XXXX over the mortgage of XXXX + current taxes + past due taxes XXXX per month starting in XX/XX/XXXX. XXXX XXXX XXXX sold my mortgage to XXXX then Green Tree is  where the problems began. Green Tree/DiTech started  utilizing those funds by forced placed insurance ( when I had insurance ). In XX/XX/XXXX DiTech would have been paid back XXXX for the mortgage back taxes but still claimed we owed them XXXX. On 2 separate occasions I have tried to resolve this issue but was not successful. Each time we filed a complaint GreenTree/DiTech would began harassment with forced placed insurance, sending court documents about suing for the house being lost in bankruptcy XX/XX/XXXX, and returning payments, paid insurance w/o permission and the following year failed to pay do our insurance lapsed. Now that DiTech is in bankruptcy I reached out to XXXX XXXX for assistance but they failed to provide any assistance. We never stopped making the payment Ditech started returning them so they could foreclose on the property. Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that XXXX XXXX XXXX XXXX reported account abuse on XX/XX/2018. The issue is that I have never opened an account with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings

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 2019-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: VA

Complaint narrative:
On XX/XX/XXXX, Key Bank closed my XXXX account without notification. I had used the XXXX service since 2016, while the service was still part of the XXXX company. It is a service I have used for the past 4 years. 

XXXX is a financial service that allows users to aggregate their financial data ( e.g., credit cards, checking account, savings, debts ) to view a common, holistic picture of their finances. While the service does not allow for the manipulation of individual accounts ( payments, withdrawals, etc. ), it does aggregate highly sensitive personal financial data ( including account balances, financial relationships, user logins, and user passwords ). 

I am deeply troubled and concerned by the sudden loss of access to my account. On XX/XX/XXXX, I emailed the support, and received notification of my account closing. This news surprised me as I did not receive warning prior that my account access would be ending, and because I have shared highly sensitive information to this service. Without formal notification of my account closing, I am left in the dark how Key Bank may use and manipulate my data ( and potentially the thousands of other users ) without consent. 

I request that the CFPB investigate this matter with expediency, and ensure that the consumer 's of Key Bank 's XXXX service are protected against fraud and personal information data leaks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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 requested from Experian, XXXX and XXXX that they forward to me via federal law, any consumer contract bearning my signature for the disputed accounts that they are reporting on my credit report. They have had more than 90 days at least to forward me in writing documentation with my signature and they have failed to do so. 

They continue to state that they verified information however they have not properly done so, they have not propely verified anything.they contine to forward to me, generic letters stating that the person that is reporting the information verified it. 

EXPERIAN response to one disputed item was that the furnisher has " certified '' that the information is accurate. THIS IS A VIOLATION OF THE LAW. the federal law is clear as to what methods are acceptable and taking the word of someone is not accurately complying to federal law. 


I CONTINUE TO SEND LETTERS REQUESTING THE PROPERLY VERIFIED PROOF.

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 2019-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I received a insurance check for storm damage to my roof of my home in the amount of XXXX I deposited it in my bank account savings at an ATM machine at BBT who I bank with for over 20 years. I have a mortgage account with XXXX XXXX who name was also on the check the check also has my name spelled incorrectly on it ( spelled XXXX and the correct spelling of my name is XXXX which I have told the insurance to correct multiple times I have also put it in writing for XXXX which is the insurance company to correct the spelling of my name ) This is my first ever claim and now know that XXXX XXXX should endorse the check, I ask BBT they could provide me a certified copy of the check and they said at the time they had to wait for a manager and then they came back to me and said they no longer have it, BBT then ask me to get with XXXX which is the insurance company to cut me another check and after about two months XXXX responded back saying they could not due to the check has been cashed by the bank in which it has, now i am at a stand still with damages to the roof of my home and a check that BBT will not release due to improperly endorsement but will not provide a check for me to get endorsed, I have spoke with a corporate from BBT and they are telling me to go back to XXXX the insurance company and the insurance company is telling me to go back to BBT due to the check show it has been cashed, BBT has even asked me to take paper work to XXXX XXXX and get them to sign a affidavit and XXXX XXXX is not willing to do so, all they ask for is the check or the certified copy of the check so that they can stamp. I keep hitting a brick wall and cant get any answer as to what I need to do to get my project started for my home

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 2019-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MN

Complaint narrative:
Dear NorthStar Companies. a few weeks ago I asked you to cease and desist on a debt that you claim I owe unless you could provide me a copy of the credit application with my Signed Signature attached. You sent out a letter today with incomplete Information on some paper with XXXX XXXX XXXX Logo attached that was Typed up by your office with Invalid information Most important their is no signature with my name signed to it. so therefore you are violation the cease & desist demand I asked for. Unless you send me the Original credit application with my named signed to it. I asked You once again to cease and desist thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
This morning, XX/XX/2019 I spoke with M & T Bank 's Customer Service Department regarding the status of my case # XXXX. This case/claim was filed on XX/XX/2019 for fraudulent use of my checking account with M & T for eight ( 8 ) XXXX transfers totaling {$4800.00}. I was told this morning by that the claim against my case was denied. 

To resolve this problem, I am requesting that M & T Bank Fraud division IMMEDIATELY RE-OPEN my case. 

I obtained a letter from my employers designated IT Company, XXXX XXXX XXXX  to confirm virus, malware, phishing attacks on my computer. This letter explains the virus that were present on my computer on the date that the transfers were made from my account WITHOUT my knowledge or consent. 

I need my bank to re-investigate this case and return my fraudulently taken funds of {$4800.00}.

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 2019-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX called and left a voicemail from XXXX asked to call back at XXXX ext XXXX. I did not return his call ... .then I get this text from XXXX XXXX NMLS #  XXXX from Amerisave Mortgage Corporation ( XXXX ) number XXXX. I sent a text back with just " opt out '' and received 4 more text. I also received an email at XXXX XXXX Sunday the XXXX of XXXX. I sent an email back with just " opt out '' Today XX/XX/XXXX I received a call from Amerisave again and continuously said to opt out and the loan officer continued to speak. This is a violation and needs to be dealt with asap with this extreme violation.

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 2019-06-03 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: GA

Complaint narrative:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03 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: KY

Complaint narrative:
I have reached out to transunion and XXXX  about this issue 4 times now. 

XXXX XXXX XXXX XXXX is reporting incorrect information on my credit report. I have asked the credit bureaus 4 times now to verify or remove the info. I've even pointed it out to them that the info is inaccurate. 

They refuse to validate the account or make any updates to it. 

You can see that the following items are incorrect : No of Months ( terms ) - there was never an agreement! 

High Credit - This was not a loan! I never borrowed money from them. They OVERPAID me. then sent me to collections, even after they received their money back! 

Payment status - this is not a collection/chargeoff! 

Date Last Active I have asked for proof of the above information and I've also asked that they ensure it's all reporting accurately or to DELETE the acct from my credit report. They will not do either. 

I am attaching all letters that i have sent to the credit bureaus as well as an updated image of the item that is reporting on my credit report.

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 2019-06-03 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: CA

Complaint narrative:
Transunion is reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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