vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-24 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: MNS & Associates LLC
State: CO

Complaint narrative:
I've been getting calls from a debt collector in New York called MNS and Associates. I live in Colorado. This company is calling for a guy named XXXX XXXX XXXX. I've called them, answered when they call and emailed them to tell them I dont know this person. When I try to tell them to take my phone number off the list they just hang up on me. I spoke to a guy on XX/XX/2019. He said my number would be removed. The very next day I received another call. I tried telling the lady she has the wrong number and to stop calling me and was hung up on AGAIN!! I'm tired of getting call after call for a person I honestly dont know! I dont know how to get this to stop so I hope this will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: GA

Complaint narrative:
The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: NY

Complaint narrative:
The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 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: NY

Complaint narrative:
The account for XXXX XXXX was closed and charge off on XX/XX/XXXX once the account is closed and charged off there is no more monthly payments to be made or to be late making the account is closed to all business transactions you can not be late in making payments because there is no monthly payment to be made here is prove of the charge off remove all late payments after XX/XX/XXXX remove the collection on the payment status as there letter states they charge off and then sold it they did not send to collections they sold account XX/XX/XXXX they should not be reporting any late or FP or charge off after XX/XX/XXXXXX/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 explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Today on XX/XX/2019, I tried to resolve an evolving issue regarding my privacy information with regard to my credit card that I had with Wells Fargo. There has been a business senior Vice President named XXXX XXXX and XXXX XXXX who has invaded my personal information to collaborate with other businesses and other business people in the community to make money and ruin my reputation. They would use every little purchase to combine forces to help themselves and hurt my reputation. All of my purchases and dates. They even combined forces with local baseball players including the XXXX XXXX players named XXXX XXXX, XXXX XXXX, and 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 non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and Transunion ) in  which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting???

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Date : XX/XX/2019 Earlier this summer I requested information on how to remove PMI from my mortgage loan. I was give specific details from a representative at Mr.Cooper I was originally informed by a Mr.Cooper representative that in order to meet the requirements to remove PMI, the property in question would have to exceed a value of XXXX and or have substantial improvements. And both have been meet. I submitted a new appraisal. 

I have recently completed a detached 720 square foot garage. 
Complete kitchen remodel with new cabinets, counter tops and floor. 
One bathroom remodel cabinet sink and flooring. 
Along with an expansion of the driveway. 

I was informed todayXX/XX/19by a representative from the Arizona office that my request for PMI removal was denied for reasons of " no substantial '' property improvements. 

I am disputing their denial, I paid XXXX XXXX dollars for an appraisal just to be told " it's not enough ''. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
So I received my credit profile 's from XXXX  & XXXX which both include 2 collection account 's placed with LVNV. I sent them a debt validation letter which I never received a response. So last week I contacted them via phone, explaining how I requested proof of the debt. They informed me it was a cease & desist on the account to speak with me I need to allow them to remove it. So I proceed & explained how I would like proof this is a valid debt if not I would file a police report at my local police station, regarding these accounts. Credit one the orginal creditor deleted their reporting I do not understand the issue with the collection agency. 
lvnv Funding Llc Opened XX/XX/XXXX {$920.00} Original creditor : XXXX XXXX Lvnv Funding Llc Opened XX/XX/XXXX {$830.00} Original creditor : XXXX XXXX XXXX N A Dear Sir / Madam, I have recently disputed a derogatory mark for collections on my credit report from LVNV Funding, LLC. I have never received any form of Initial communication stating I was the consumer and without my knowledge or any form of initial communication this debt was also added to my credit report. The notice was not received in the allotted time given by the FDCPA for me to dispute or validate this alleged debt. For this reason I have no information on account number or file numbers. I am disputing the validity of this entire debt. I am requesting validation of this account per the Fair Debt Collection Practices Act Sec. 809. I would like to acquire the following information for the purpose of validation : Documentation from the original creditor of the following ; Original date of default or non-payment of the debt The last valid payment to/toward the above creditor Name and address The original balance The date of transfer from the original creditor to the debt collector The date ; in which LVNV Funding, LLC made initial contact with me about my debt. ( The initial phone call and written notice. ) FDCPA Sec. 809. ( a ) Notice of debt ; contents The current balance of debt. This is not an acceptance nor acknowledgment of this debt. Note that these are the rights given to me by the Fair Debt Collection Practices Act which allow me to dispute and validate my debts. If LVNV Funding LLC can not provide the following evidence within 30 days of receipt, all consumer reporting agencies must be notified to delete this trade line and cease collections of this debt Sec. 809. ( b ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
a bank teller call me a XXXX threw my ID at me and made fraudulent claims on my account there was a check deposited by me on Tuesday that had a 2-day hold she added a 7-Day hold to that check and now I have no access to my money she misrepresented herself as a bank branch manager and she is not he is on vacation I need my and she threatened to close my account she reported fraudulently to the suspected fraud which is how she got my account put on hold once my account is reviewed it will show that I don't have one returned check I was treated worse than the dogs this afternoon and I want Justice immediately and I need help with my account immediately

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 2019-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have a 2.5-year-old fraud complain against a store card from Macy 's. I had an existing card account with them. While I was on a 3-year assignment overseas, somebody had a card issued on my existing account in their name, much how you would add a spouse to your account. They then charged {$900.00} in goods using this new card and then did not pay the balance. At the same time, I had a fraudulent credit account created with a different bank and under my name with a credit card issued to the exact same individual as the Macy 's card. This credit account was discharged as fraud very quickly. 

I suspect that the cause of the fraud was a mail forwarding service in XXXX Texas that I was using to receive my home mail while I was overseas. This would put them in the position to respond to any credit card offers and to receive my billing statements from existing accounts. 

I opened a fraud case with Macy 's but according to them it was denied because in their investigations system they labeled it as " account was created fraudulently '' which is different from " card was issued fraudulently under an existing account ''. In the meantime, they sold the debt to Citi IRU as a collection agency. Right now I have 2 organizations that deny that the problem is on their end and they blame the other company for keeping the ticket open. Meanwhile, I have faxed fraud statements, my overseas assignment letter, etc to show that I have not lived in Texas nor was I even in the United States during the time that the new card was issued under my account. However, I have to send documents to both organizations since they each believe that they are the sole account " owner '' and do not share investigation details with each other. They have also claimed that email and faxes have not arrived. 

In fact, they don't even share information with me as far as why a card was issued on my account or past billing statements so that I can verify if the purchases were made by myself or not. I have had to reconstruct the fraud incident using bits of information gleaned from conversations with the fraud investigations teams over the course of these years. 

2.5 years later, this is the only negative mark on my credit history. At {$900.00}, I could easily pay this account off. However, in doing so I would be acknowledging that the debt is legitimate and that The case file at both Macys and Citi is XXXX The person who created the card on my account is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2019-10-24 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Our companys US bank credit card has been stolen since XX/XX/2017 when we opened this account. The US bank denied that our account had been stolen. Denied fraud upon received of my report and commissioned a collection agency to call me repeatedly. I asked for four copies of signed credit card checks and they refused. This total amount is {$12000.00}. Just a large sum of them, a total of more than {$20000.00} was stolen. These checks were actually embezzled and paid to XXXX company by their internal staff. We complaint US bank lost our personal information and refused to accept fraud report. No one and no departments were responsible. They transferred me to different people and department many times when I told to them on the phone. Also I complained this situation to you. They didnt response either. Finally transferred to the debt collection again.

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 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
There is a collection on our credit reports that is not ours. PCS ( Pacific Credit Services is  not my account. Account # XXXX {$1700.00}. I have tried to get copy of any signed agreement proving the debt and have not received a response. I have also tried disputing with the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( Experian and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact XXXX for the balance I had pay them before which was {$460.00} different than the one they reporting??? I also call Experian on XX/XX/2019 and talk to XXXX about disputing it and she failed to submit my complaint ( please have experian address the failure she did have all my credentials, no excuses they can find her and address it.

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 2019-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
Home appraised at {$200000.00} we purchased it for {$160000.00}. We have made bi weekly payments starting XX/XX/2019. The PMI still has not been removed. We are well within the range where PMI should not be taken out of our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Synchrony Bank Paypal Mastercard. Their site does not disclose the posting guidelines for payment cut off times to be considered on time. When I made a payment recently, it was a Sunday, XX/XX/XXXX to be exact. I looked on the site to see what the posting deadline was. I was in a trade show all day, and completely overlooked it was the XX/XX/XXXX. I saw no posting policy, nonetheless I made the payment. When payment was made I got a reply that said, " You paid before the due date. If a late fee appears, it will be automatically removed '' The late fee was indeed on my account already on the XX/XX/XXXX.

I checked the account on the XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. Fee was still there.

I entered a chat with a representative on the XX/XX/XXXX and assured that it would be gone by the end of the night. 

Today, XX/XX/XXXX, the fee remains. I entered a chat again with XXXX XXXX, an escalation account manager. While he did waive the fee, and confirm it was done, I am filing this complaint with the CFPB as XXXX told me there is NO POSTING ON THEIR SITE OF POSTING TIMES! 

How can a consumer RELY on a DEADLINE, if the bank takes the position, " I am not sure if I can share that information with you '' - this is what he said to me in chat. 

I do believe bank laws and Fair Credit practices are in place to protect consumers from banks " making rules as they go '' - which in this case, and no published policy on their website, they can absolutely do, ultimately harming the consumer.

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 2019-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 when i walk to Bank of America XXXX XXXX to open a new account, everything went well opening my new account using my paycheck amounting to {$1200.00}, later that day, i was trying to access their mobile app when i found out that the mobile account is locked and advise me to contact costumer services, i called costumer services and found out they closed my newly opened account already and elect not to do business with me anymore, i asked them the reason why and all they give me was it was a business decision on their part not to do business with me, so i asked them if i can get my money back on any financial institution branch they have, they told me after the account is closed, they will send me a managers check amounting to the amount i deposited, first they told me it will take 24-48 hours to close the account, I ended the call since nothing much can be done on my situation.. 
XX/XX/2019 I walked to the bank of america branch where i opened my account hoping i can get my money bank, i sit down with a banker and explain the situation im in, she called the corporate office to ask if they can release my money since they closed my account already, but to no luck, the corporate office declined, the banker gave me a number to call to do a follow up on my situation, i called the number as i walked out of the bank, didnt take long before someone answer on the other line, i asked them when can i expect the check in the mail, he told me that the process of closing my account wont be done till XX/XX/XXXX, after that is when they will send the check to me, ..it was devastating for me, for a normal person living paycheck to paycheck, it is really difficult, not knowing where to get the money to pay m monthly bills and all that, i feel violated with this situation,

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