vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-14 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: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/2019 ) Experian has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine

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 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

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The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MT

Complaint narrative:
On or about XX/XX/2019 I sent LVNV a certified letter requesting a validation of debt for two alleged accounts ( Reference ID # XXXX & # XXXX ) and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent LVNV a 2nd certified letter requesting validation of as of todays date they haven't granted my request. 

On or about XX/XX/2019 I received a letter from Resurgent Capital Services '' stating " Resurgent Services L.P. manages the above reference account for LVNV Funding LLC ''. " Resurgent Capital Services '' failed to provide any validation of debt. With this letter that I requested approximately two months ago from LVNV. There is no question that " Resurgent Capital Services '' is aware of my validation request done XX/XX/2019 & XX/XX/2019 and they also are denying me my request for validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Back in XX/XX/2019 there was an account open with my name. I did not authorized to have this account open by me personally. It wasnt up until several months later that i was getting notifications that i owed money to this account. The amount right now is XXXX.d I tried contacting with the credit card company to resolve this issue because it was affecting my credit score in a negative way. The credit card company told me that there was nothing fraudulent about the account and that it was going to stay in my credit report which i thought was not the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
DISPUTE # 1 Rent Debt of {$500.00} attempted to be collected twice. One account of {$500.00} on my credit ( XXXX XXXX ) and on my fiancs credit ( XXXX XXXX ) statement received 1 )  does NOT have my name on it and 2 ) Reflects ONLY {$500.00} owed TOTAL. I am disputing that 1 ) I do not owe {$500.00} bc my name is not on the move-out statement that documents the {$500.00} and 2 ) I am disputing that we should have been charged a combined {$1000.00} from this company when the document provided to each of us only details a total of {$500.00}. 
**The paperwork from this Rent Debt was sent/mailed to the apartment that we owed debt on in XXXX XXXX name. How does that make since? How could I have received the paper work to dispute this when it was clearly sent to a address We/he didnt live at. Yet the same paperwork he received was mailed to a different address a very old address for me, the address belonging to the person in dispute # 2. Where this company is trying to charge us each the {$500.00} when the paperwork doesnt reflect that. 

DISPUTE # 2 Rent Debt of {$1200.00} attempted to be collected from myself ( XXXX XXXX ) with the name of XXXX XXXX on the move-out statement. My name was taken OFF the lease of this apartment in late XXXX of XXXX. Not only was my name taken off the lease the apartment manager agreed that she remembered doing my roommate release and the name of the person added in my place was XXXX XXXX. I am disputing this balance because I was not involved and my name isnt on the document. The paperwork for this debt was even sent to XXXX XXXX home yet the debt was put on me, someone who wasnt even on the lease during move out? ( Even then why wasnt the debt put on both applicants like what was attempted on dispute # 1 and on this debt I am not even involved in all debt was put on my credit? ) [ Also night I add that If I had owed the XXXX some dollars why would the manager of the complex in dispute # XXXX have rented to me again, they are both run/managed by the same person/company. Paperwork has been very messed up somewhere and if not cleared I will be getting a lawyer, not to settle but to further dispute ] I was listed only on this lease as a co-applicant because management told me I didnt meet the income requirements. ( still took my name off the lease before move out ) I do not give this company permission to contact me by phone. 
Last attempt to settle this without a lawyer** XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
Services were on XX/XX/2019 from an imaging location. The single account had 3 claims, all part of the same service/procedure but what TAB did was broke it out I to 3 of their own accounts and then reported each one individually to my credit. When I brought this up and reviewed the original bill and the letter from TAB it was represented as 1 single  account yet they broke it out, essentially multiplying the impact on my credit, and refused to correct or even explain how this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was looking at my credit report today XX/XX/19 because I was denied from getting a credit card at my bank and I noticed that there are several inquiries on my credit report that do not belong to me and need to be removed. I have no idea who made these inquiries in my name or how they got a hold of my personal information but I have never allowed anyone to make these inquiries in my name. I did not benefit anything from this and I have already filed a police report regarding this suspicious activity 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 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
I have repeatedly asked DRS to stop contacting me about my brother 's debt -- and have even filed multiple CFPB complaints against them -- but they continue to contact me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
After recently placing my father into full time nursing care, I came across a CD deposited in The XXXX  XXXX XXXX XXXX from when my sister and I were minors in the amount of {$26.00}, 700. My father and his brother ( my uncle ) were custodians on the account. My sister and I were never told about this account. The CD matured on XX/XX/1992. I presented the CD for payment in the successor bank, Citizens Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a manager there was less than helpful and refused to discuss the account with me even though the account is clearly in my name. Citizens corporate reached out after I filed a complaint to the FDIC. XXXX, from the Office of the Chairman, has acted in what can only be described a a deceitful manner. She is claiming she is not receiving emails from me, and is unable to leave voice mails on my cell phones. I am a XXXX XXXX XXXX XXXX with 32 years of service. I rely on email and voice mail daily and I can assure you XXXX 's claims are preposterous. Citizens Bank corporate, specifically Office of the Chairman is impossible to reach by phone. I am encountering impossibly long wait times, routing and re-routing through jungles of robo-prompts and mysterious random disconnections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
Onemain Financial XXXX XXXX had provided us with a XXXX loan a year or more ago, we've been paying that off at XXXX/month, they called us and asked if we'd like more money, we set up a time and came in and they said they could pay off our car and loan and roll everything into a giant XXXX loan at XXXX/month. Since we were getting ready to sell our house we expected to pay it off within 60 days. Went down to the office on XX/XX/14 and tried to pay it off, thats when they informed me we still had the orig XXXX loan AND the XXXX loan, even though we only got XXXX cash out of the big loan. Thats a total of over XXXX and XXXX per month. NOT WHAT WE AGREED ON and the loan signing was all on computer and it didn't make it clear we were getting a SEPARATE loan on TOP of our orig loan. Not once did they tell us that, make it clear, or check if we can actually afford a nearly XXXX dollar payment. I feel this is wrong and deceptive, we are currently shocked, upset and deeply hurt by this fraud. We are now on the hook for XXXX we rightfully thought was rolled into the new jumbo loan. 

Onemain Financial XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ky XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax reporting incorrect information. Stated they recieved from third party. When I contacted the third party they had no information. When I contacted Equifax they said dispute has been resolved. When I contacted your company to investigate further .. now Equifax has no record of who I am, I have a letter from them. This is clearly. Several violations, and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The company XXXX XXXX XXXX XXXX has sent me a notice of wage garnishment to my parents address not mine. 
I have checked my credit report and I do NOT see this creditor listed as part of my debt. I do not know what this is in regards to. 
The complaint is under my maiden name, I got married at the end of XXXX and apparently this was originally filed in XXXX or XXXX which even at this point the debt was too old to collect on. 
I have had similar situations that have been scams, collectors trying to collect on a debt that is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX we completed a recast ( or re-amortization ) of our mortgage memorialized by a Mortgage Modification dated XX/XX/XXXX after having made a principal reduction ( aka a curtailment ) to our loan balance. In our cover letter with the Original Mortgage  Modification Agreement and other lender documents we signed and had notarized, we requested a copy of the fully executed copy of the Modification Agreement with AmeriHomes joinder be sent to us for our records. 
We sought from Amerihomes servicer and received via email confirmation dated XX/XX/XXXX that all properly signed documents had been received, and that the requisite changes had been made to our account, including the new total payment amount. 
By return email XX/XX/XXXX we again requested a copy of the Mortgage Modification Agreement with countersigned or joined by Lenders authorized signatories. On XX/XX/XXXX AmeriHome responded via email that they would send us a copy of the Agreement once executed by their officers but that it could take several months After numerous phone calls, on XX/XX/XXXX, over 1 year later, we sent via USPS certified return receipt to AmeriHome an Error Resolution Notice under 12 C.F.R. 1024.35, again requesting a fully and properly executed copy of the Modification Agreement signed by their officers.

They responded by mailing to us, without comment, a copy of the Agreement apparently signed by AmeriHomes officers on XX/XX/XXXX. ( It apparently was left neglected for well over a year ) However, the Officers signature page lacks a notary acknowledgement as to the Officers. 
Please note the comment typed under the AmeriHome signature block on page 4 of this instrument the execution of this Agreement should witnessed and the appropriate acknowledgement clause should be added, if these are requirements under local law. In addition, if required under local law or practice this Agreement should be filed of record.

We are specifically requesting that this instrument be properly executed by the Lenders officers, including witnesses and an acknowledgement by a Notary, and that it be recorded in the official records. In the alternative, we request a satisfactory explanation from the Lender as to why this is not necessary under local law, and that the instrument they sent to us meets the requirements for execution under local law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Requested a balance transfer from Wells Fargo, XXXX the bank is XXXX XXXX who says they have never received a transfer from Wells Fargo of any amount for this account. This started back in XX/XX/2019 continual communications with customer service by phone with always they were going to look in to it and get back with me but it never happened. Call to my house started with statements on how this was going to hurt my credit, it seemed like I was getting statements every 2 weeks showing the account was delinquent and the late charges kept building. I finally wrote them they responded to give them a couple of weeks and they would get back wit me, after 2 weeks they said they needed more time and after a while they came back with a number that was 15 letters long and said this was some sort of transfer number that proved it happened. 
I got with XXXX XXXX and they said the number meant nothing to them and only Wells Fargo new what it meant. Calls continued I wrote another letter got the same response and it is being reviewed. Mean well I got anther call I was passed to 4 people the last one was not available and was to get back with me but never did. They said that it was getting ready to be charged off and if I paid {$25.00} it would keep it active in this department told them paying anything would be admitting I was wrong. This was XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
XXXX XXXX XXXX delivered bottle water to our home on XXXX in XXXX we then notified we would spend the winter months in XXXX XXXX so they transferred our account NO problem. We then relocated and notified them that we returned back to XXXX but this time they did not transfer they opened another account and left old address open. The driver went to old address called us and we had to re-iterate that we had already called and were back at our old address. XXXX XXXX. Onto used to Bill,  call, etc.. finally just wanting them to stop with the bill they were adding there own charges I paid them all there charges thinking totally done they would go away they cashed check on XX/XX/XXXX but then started getting calls from collection bureau of America at XXXX XXXX XXXX, XXXX XXXX CA XXXX account number XXXX. 3 times they told me they would contact this water company I supplied my cashed check with complain. This credit company is saying that the day the water company cashed in on my money is the same day it was sent to them now I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
On or about XX/XX/2019 I sent Midland Credit Management a certified letter requesting a validation of debt and as of todays date they haven't provided me any validation response. On or about XX/XX/2019 I sent Midland Credit Management a certified letter ( 2nd time ) requesting a validation of debt and as of todays date they haven't provided me any validation response. 

On or about XX/XX/2019 I received a letter from Midland Credit Management stating we are unable to locate an account but are still negatively reporting to XXXX, XXXX, & XXXX collection accounts. Midland Credit Management hasnt provided me any validation response after 2 months of original request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I fell behind on my mortgage because of major home repairs that were urgent and mandatory, in order to keep my home in good condition. I applied to Rushmore Loan Management for a modification, so I can get back in good standing with my mortgage. After several months of the process, Rushmore approved me for a payment of {$3600.00}, a payment that was {$1100.00} MORE than my previous payment, AND also asked me for a down payment of {$6000.00} as a condition for the modification.

They asked me before if I had any money for down payment and I told them I did not, yet they still asked me for over {$6000.00}!

I asked them why are they giving me a payment of {$3600.00} MONTHLY, and what calculation they used to come up with that ridiculous payment, on a house in the ghetto, worth under {$20000.00}, and was shocked at the explanation. So, I have a rental property in Pennsylvania, and THEY USED THE RENTAL INCOME FROM THAT PROPERTY, BUT DID NOT TAKE INTO ACCOUNT, THE MORTGAGE PAYMENT AND EXPENSES ON THAT PROPERTY!! 
So they used the income and didnt care that that mortgage company for that property should be paid with the income from that property. This is insane!

Company response to consumer: Closed with explanation