vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-31 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there was several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me were not associated with me and I have no idea what these negative items are about.

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 2019-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
" CCS '' XXXX XXXX XXXX comes up in my credit report for a fee owed of {$130.00} for XXXX XXXX XXXX XXXX when I left at the end of my policy ( paid up ) and went with another insurance company. I wrote to CCS in a letter dated XX/XX/2018 advising to provide validation of said debt but never received anything back. This is still on my credit report and I would like it resolved/removed as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: D2 Management LLC
State: ME

Complaint narrative:
I have received calls about said account. Loan was allegedly taken in XX/XX/2010. I was not residing at address on the alleged loan. I also have a sworn affidavit on file with the IRS, involving identity theft. This company has called me from XXXX, XXXX, and other non-working numbers. I have also had a threat of a lien being placed on my vehicle title for this phantom debt. I have been going through a medical situation, and I do not need the added stress of constant harassment from a company collecting on a debt that is over 8 years old, and the parent company is defunct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. Equifax, XXXX and XXXX have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX  branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.

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 2019-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: NV

Complaint narrative:
I have asked Summit Receivables to stop contacting me at my place of work. XXXX XXXX from Summit Receivables stated he was allowed to contact me at my place of employment and asked me to provide him with a reason he was not allowed. I stated he can not contact we at work and place it as a " Do Not Call '' number. He stated he did not have to do so and would continue calling me at work. A woman named " XXXX '' from Summit Receivables is now calling my place of employment. Collectively, they both call my employer every other day for the past 1-2 months and sometimes every weekday. One of the many numbers used by them are ( XXXX ). The payment they are attempting to collect a debt from XXXX XXXX XXXX. 

I initially began a payment arrangement with this company but stopped due to not trusting them with my personal information.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: FL

Complaint narrative:
In XX/XX/2019, I sent a debt validation letter stated, this is not a refusal to pay, I need them to validated this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: IL

Complaint narrative:
In XX/XX/XXXX, I signed up for a {$20.00} per month membership with XXXX XXXX. In XX/XX/2018, I told XXXX XXXX I wanted to change to a $ XXXX month membership. I tried changing the membership a couple weeks before my year was up, and they told me I needed to wait until late XX/XX/2018. Right after the year of {$20.00} per month ended in XX/XX/2018, I went in and changed my membership to a {$10.00} per month membership. I was told there was no charge for the change.

My {$39.00} annual membership fee was charged to my account on XX/XX/18. I just looked at my account and noticed I was charged an annual membership fee again on XX/XX/18. I contacted XXXX XXXX XXXX ( who recently purchased XXXX XXXX ) and was told that when I switched to the $ XXXX month membership, I was charged another annual fee because it is a new contract. XXXX, the Manager, said that my new annual fee would be in XX/XX/XXXX now instead of XX/XX/XXXX, and there is nothing he can do. If I was informed there would be another annual fee charged, which I was told would not happen, I would not have agreed to it. XXXX says he can not return the money. When I told XXXX I was going to file a complaint, he said, " Go ahead. '' Another issue is that my debit card was compromised. I had to get a new card issued. XXXX XXXX called to let me know I needed to update my account information. When they told me that there was going to be a late charge, I told them to cancel my account, I didnt want the membership if it was going to cost me extra money. This conversation happened, I believe, on XX/XX/18. I was told that the only charge to my account would be for {$10.00} and all other fees would be dropped. However, I looked at my bank account today and I have a charge for {$10.00} Club Fee and a {$20.00} charge for Club Charge - which was not authorized. So, now a couple of days after I said I did not want the membership if I was going to be charged extra money, and they promised it would only be {$10.00}, I end up with an extra {$20.00} charge and have to cancel my membership anyway! If I had cancelled it when I said I wanted to, I would not have the extra {$30.00} taken out of my account! THEY FLAT OUT LIED TO ME!

The total amount that was charged against my account, which was not authorized, and I was told would not be charged is {$59.00} ( {$39.00} extra annual fee, {$20.00} Club Charge ). However, since I had to cancel my account due to their false information, I believe I should also get the $ XXXX monthly fee that was just paid yesterday. My total amount in dispute is {$69.00}.

The XXXX XXXX XXXX  Manager, XXXX, told me that there is nothing he can do, and the charges are not going to be reversed. Very, very poor service!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: ME

Complaint narrative:
The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I was checking my credit report on XX/XX/XXXX there is a collection agency asking for payment of {$1600.00} for XXXX XXXX, I dont have a XXXX XXXX account never had one and this account is apparently opened in XXXX Tx I live in XXXX XXXX TX dont know anyone in XXXX. I contacted XXXX XXXX and filed a identity theft affidavit I also sent they a copy of my drivers license and bank statements for the months of XX/XX/XXXX thru XX/XX/XXXX I also filled a Federal Trade Commission identity Theft Report. I also put alerts on all the credit bureaus XXXX, XXXX, XXXX. I have very good credit and because this collection agency appeared on my credit report my score dropped 38 points i pay everything on time dont owe anything i want this off my credit Report ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31 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: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, XXXX and Transunion have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - 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 explanation
Consumer complaint received 2019-01-31 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: TN

Complaint narrative:
I have disputed the bankruptcy on my credit reports numerous times, I never have had an active bankruptcy. XXXX, Experian and XXXX  have been saying that they have verified the account as valid but have not provided any proof of verification. I went to bankruptcy court to pay for the official paperwork but I started back working before my court date so the paperwork was never filed but somehow it has popped on my credit report making it very hard for me to qualify on buying a home this year. Please look into this matter and delete this inaccurate information from my credit report as it is a violation to my rights as a credit consumer to have information like this reporting incorrectly. 

Bankruptcy Dismissed - 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Since 2015, I have tried to get Seterus, inc., to stop the harassment and bring my payments up to date as I never missed a payment. The company fraudulent ways have defrauded millions of dollars from costumes. At this time I am part of one of the {$5.00} XXXX Dollars class actions against Steterus , Inc., currently pending in the XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX Vs Seterus, INC _ XXXX XXXX _ Case No. : XXXX ( XXXX ), which Mr XXXX XXXX asked Mr. XXXX from XXXX, XXXX. See copy of the email. 
Also, after contacting a Civil Rights Group, and after submitting the overwhelming amount of evidence collected through the almost 4 years, they decided to take action. We are filing another lawsuit against the same company, Seterus, inc., for the serious mental and financial damage they created by not only threatening me with foreclosure, tried to alter my mortgage, phone, and mail harassment but also by reporting my mortgage delinquent to credit report agencies for years. We have found hundreds of costumes via social media who suffer the same faith, and we feel confident the law will correct the situation the company refused to do itself. Per the advice of the counselor, I was asked to hold back monthly payment until the lawsuit is filed, hopefully in the next weeks. After the lawsuit has been filed, I will re-initiate payments and submit the missing payments only after my lawyer has asked me to do so. 
I got told communication is now happening with the Office of the Attorney General, and it is possible the company will face more charges soon. I will make my evidence available to any agency who makes the proper request. I can be contacted via email XXXX 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 explanation
Consumer complaint received 2019-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
When filing paperwork for a home refinance loan, I was advised not to open an escrow account because we owed money to our property taxes from a HERO loan for work done to our home and part of the refinance agreement would be paying off the HERO loan and the property tax bill would subsequently decrease greatly and therefor we wouldn't overpay our loan servicer unnecessarily. Once our refinance loan paid off the HERO loan, I requested the loan servicer pay the next tax bill from our escrow account. The property tax bill is due tomorrow, XX/XX/19. I submitted a written request with my updated/latest tax bill and insurance information as required on XX/XX/19. I called to check in several times and was notified I had submitted all documents properly and that the request would be escalated in order to pay the property taxes in time and to open an escrow account. After not receiving a response by XX/XX/19, I submitted another written request. By XX/XX/19, two weeks prior to the tax bill being due, I called in and asked to speak to a manager, who then told me he was creating a " manager escalation '' and that, again, I had accurately provided all documents requested, and that I'd receive a response in 3 working days. I received the formal response stating this on XX/XX/19. I have tried contacting the customer service and manager numerous times since that date, more than 12 working days past XX/XX/19 and am now going to have to pay the tax bill out of pocket tomorrow, on XX/XX/19.

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 2019-01-31 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: ID

Complaint narrative:
I sent a complaint before about the house I sold & paid off completely. All three credit bureaus were more than unhelpful. After I sent complaints on them I was told the issue had been fixed. But they have not fixed it. That house I no longer am responsible for is still being reported by Experian for sure and maybe even the other two. I tried to call Experian. I could not get ahold of a real person.

I am so very tired of them controlling my life. This is not right.

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 2019-01-31 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: FL

Complaint narrative:
I am writing of complaint about Transunion Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Transunion has also failed to substantiate that the account is mine. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Transunion also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. I am requesting that Transunion delete this unverifiable account immediately from 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 2019-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Couch Conville & Blitt LLC
State: MS

Complaint narrative:
Around XX/XX/XXXX, a law firm sent me a notice that I owed {$4100.00} for a credit card debt ( from XXXX ) and that I had 30 days to dispute the claim. I called the firm within the 30 days and told the lady, who said she was recording the call, that I did not owe all of that debt because I had told the credit card company that someone made fraudulent charges on my card and I was not going to pay those charges. The lady with the law firm said, " oh, you want verification of the charges '', and I said yes. She said she would have them sent to me. I said, in the meantime, you are not going to file a judgment on this are you, and she said " no '', not until you verify the debt and what you dispute is not owed. I waited to receive this information but never did. After several months and no more communication from the firm, in XXXX I received a copy of a judgment from the circuit court stating the firm had filed for a default judgment against me. Then they garnished my wages. I NEVER received any validation of this debt. They can not prove they sent me any validation because they did not. I never received anything nor signed anything. If they sent anything, they never sent anything else to ask why I hadn't responded, etc. Nothing. This is in violation of the Fair Debt Collections Practices Act 15 USC 1692g Sec. 809 ( b ). They have collected on a debt I do not fully owe AND they did not send me validation of the debt as I requested. Also, the credit card company should not  have sent the debt to a collection agency after I reported that some of the charges were not mine. I did not hear from them. It was the only credit card company that did not work with me to resolve the issue - just cancelled the account and began collection attempts.

Company response to consumer: Closed with explanation