vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Main Street Personal Finance
State: MI

Complaint narrative:
This is the second time I have received a call. The most recent message that I received is as follows : " This message is for XXXX XXXX also known as XXXX XXXX. Last four social XXXX. Mrs. XXXX My name is XXXX XXXX with XX/XX/XXXX. I'm calling in regards to legal documents that were submitted to my office today for two counts of financial fraud, Mrs. XXXX, I was actually looking at your documents ... in regards to XXXX XXXX XXXX, that's the attorney that foreseeing your bankruptcy file under the honorable Judge XXXX XXXX XXXX. Mrs. XXXX the bankruptcy fraud are some serious allegations. We need to discuss that and this video surveillance with you, and then make arrangements to contact your attorney and the judge to see what we can do about this ma'am. I need you to call the attorneys office at XXXX. '' end voicemail. 

This is the second call of this nature that I have received from this number. The original phone number that called me was XXXX. This number is listed as XXXX XXXX. I called back and the " receptionist '' XXXX XXXX. I asked for the address. I was given XXXX XXXX XXXX XXXX XXXX, NC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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:
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.

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 2018-09-10 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: CA

Complaint narrative:
On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and American Express with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I have lodged disputes with XXXX XXXX, First National Bank of Omaha, and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection Law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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:
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.

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 2018-09-10 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: CA

Complaint narrative:
In XXXX I first had fraudulent activity on my personal bank card while traveling. My bank notified me and I didn't think much of anything to be worried because they handled it expeditiously. A few months later I lost my drivers license, following I noticed other credit cards of mine had fraudulent charges appearing and I disputed them with each creditor. Then at the end of XXXX my XXXX business/govt travel card was compromised. Unaware my work accounting dept. notified me of an outstanding balance and advised me go through the six previous statements that I had been on travel. I then disputed all unauthorized charges with XXXX through their fraud/avidavit process. Unresolved I've had to continue to dispute each account due to the fraud being beyond the 60 day cutoff for dispute. At the time of the fraud I was misinformed and ill advised of my options and didn't know to file a police report, identity theft, or place a credit freeze. Additionally I have filed a police report of Identity theft and for the past three years I have a credit monitoring agency dispute these and other unauthorized accounts. Unauthorized accounts still continue to show up on my credit report as recent as XXXX. XXXX refuses to removes the fraudulent charges eeven after I had disputed them repeatedly. They are operating under the loop-hole that the charges were not disputed within 60 days of the transaction date as stated before I was unaware of the fraud because the account was a government travel card statements did not come directly to me.

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 2018-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP
State: OH

Complaint narrative:
The XXXX XXXX card was opened last year XX/XX/2017, i am not making enough money to pay them at once or more than {$100.00} a month, they are saying that they will file a law suit against me, please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: MI

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX  XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for Experian & XXXX  to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2018-09-10 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: OK

Complaint narrative:
On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract. 

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report was pulled and I have over 10 inquires without my authorization or knowledge. I have contacted experian to dispute the validity of the inquires that were not made by me and to provide me with documentation that I authorized this credit inquiry. Experian responded back on XX/XX/18 stating by federal law my personal credit report must list all organizations that have requested my credit history when I wrote them to dispute I did not authorize my credit to be pulled and to show me a signed application.

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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC System keeps adding/attempting to add itself to my credit report for a bill that is invalid and/or inaccurate. I have disputed this item on my credit report several times over as it has been reported by multiple collection agencies with falsified and/or inaccurate information. IC System collection reportings were previously deleted from my credit report but somehow IC System keeps managing to add itself back on for the same disputed item. It is my  understanding that a creditor nor collection agency can report falsified and/or inaccurate information on a consumers credit report. IC System with its various tactics keeps attempting to damage my credit report with falsified and/or inaccurate information. Please put an end to this.

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 2018-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I received a phone call from a toll free # XXXX, the person on the phone stated she was a process server and was calling in advance to let me know she would be serving me a summons she was informing me in advance to give me the chance to call the Plaintiff XXXX XXXX, before the lawsuit would be filed. I shared no information with this person and call the XXXX number the phone did not ring and went straight to music on hold, I held on for ten minutes. A person who would not identify herself answered and told me she would look up my file, she asked for my name and I told her XXXX XXXX. She placed me on a hold and when she returned she asked me if my ss ended in XXXX. I said how do you have my information? She started it was from a XXXX back account NSF fees of XXXX from XXXX. I explained that I do not have NSF fees of XXXX since XXXX XXXX bought out XXXX it looks like this is a scam, she then threatened me with a civil lawsuit and would proceed to garnish my wages. I told her I will file a complaint today with cfpb and insure that this scam ends today. I also called XXXX XXXX bank to confirm that this is a scam and as I thought XXXX XXXX has no NSF fees on file on my bank account that I have maintained in good standing since. Please prosecute these thieves who are impersonating lawyers and government offficials and threatening consumers with erroneous civil lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. 
I am old my health is not so great and the thought of losing my home takes a toll on me. 
I need to know what happened with my payments of {$990.00} that were sent. 
Had my loan not been transferred, I would not be in this mess. 
I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. 
The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
my key bank statement inXX/XX/XXXX, i was billed a past due amount of XXXX. i called the bank asked what it was.They stated after searching for a long period of time it must be a legal fee from years past. they were unsure what it was.I paid the XXXX the bank received the money on XX/XX/XXXX.the bank stated they would take it off and mark as paid. 
i received my may statement the same past due amount of XXXX was on my statement.i called spoke to a manager they stated it would be taken care of. 
I received my XXXX statement the same XXXX was still showing as a past due amount.i called and was promised it was taken care of. 
i received my XXXX statement the same past due amount of XXXX was there this time there was a XXXX for fees and charges. i called bank yet again could not really explain the XXXX dollars some type of monitoring charge i should not have been charged promised yet again that the XXXX and the XXXX would be taken care of. 
i received my XXXX statement it showed that i have a past unpaid amount of XXXX this time when i called i asked for for an audit of my account dating back to XXXX XXXX   of XX/XX/XXXX.i did not see the unpaid amounts on the audit they sent me this has gone on for five months with me calling every month.i have have numerous of other issues with key bank on this mortgage this is just the latest. 
this past XX/XX/XXXX i sent in payment from a different account the bank stated they could not read the account number so did not apply it to my mortgage making that month payment over due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX TransUnion LLC, Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX To Whom It May Concern : On XX/XX/XXXX I sent a certified letter disputing the following five ( 5 ) XXXX XXXX accounts which are inaccurately reporting that I was 90 days late in XX/XX/XXXX : XXXX XXXX XXXX acct # s XXXX This is NOT TRUE. These accounts have never been late for those months or any other and I am asking for XXXX  & TransUnion to correct this ASAP. 
XXXX  XXXX XXXX. regularly makes these errors and have been successfully sued by States and govt agencies for same. 

*Federal guidelines and prior court precedence is very clear on what a credit bureaus obligations are. One of those obligations is to conduct a PROPER investigation. The courts have also clearly emphasized that depending on an outside source or creditor is NOT a proper investigation. 
I have been denied credit & am paying hundreds extra in auto insurance due to this reckless reporting. 
I have filed complaints with the CFPB & O.C.C My next step is to : Write letters to 42 Senators & letters to 61 House of representatives However, I prefer to resolve this ASAP to avoid more damage to my life. Please conduct the proper investigation and correct my credit report as XXXX has already done. 
PLEASE CORRECT THIS as it is having a serious negative impact on my life. 

With hope, XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2018-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: WY

Complaint narrative:
SIMM ASSOCIATES has been calling my phone for months and never leaves any message except this last time on XX/XX/2018 wanting me to call back at XXXX. This company is illegally " Caller ID Spoofing '' meaning they randomly show in your phone a local number which belongs to someone else. The number changes with each call.

Company response to consumer: Closed with explanation