vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, PXXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX WAS XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF EF Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} REV {$930.00} {$930.00} {$930.00} XXXX CHARGE OFF XXXX/TU/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed XXXX several times. I provided XXXX and Transunion with proof that the company did not provide any proof I owe the debt. They continue to come saying it belongs to me with no proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by Experian, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Experian did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.

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 2015-04-14 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Earm LLC
State: MD

Complaint narrative:
I keep getting threatening calls regarding a debt from XXXX. They called my place of work and left a message on my phone saying they were going to garnish my wagers and take me to court if I did n't call them right away. The message was left for my manager but I actually got the message. They 've also been harassing my family members. I do n't know where they got my information from but I want them to stop harassing me. The name that was given on the message for me to contact was XXXX XXXX but when I called back and asked for this person they did n't exist. I was given a case number of XXXX. I asked what company they were and what this was about. I was told the company name was MAC and they were calling regarding a pay day loan debt that I owed. She said I owed {$450.00} to some company called XXXX XXXX from 2011. I explained to the lady that I never took out a pay day loan with this company. I ask what was the official name and address of the company and she would not give it to me. She just started yelling at me as to why I wo n't pay my debt. She wanted me to give her my social security number so that she could verify that this was my debt and when I would n't give it to her she just became more irate. I told her to take what ever action they felt necessary and I would deal with them in court. She hung up the phone on me. This company has been harassing me for a month now. Calling me from several different numbers. 30 minutes after that call I received a call from a XXXX XXXX from XXXX XXXX XXXX regarding the same thing but now the pay day company name and the amount has changed. Total scammers.

Company response to consumer: Untimely response
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: United Check Recovery, LLC
State: MO

Complaint narrative:
I was never given the mini Miranda I was told they where calling from the federal bureau of investors for the us government for check fraud. they would never id they are a collection agency I was told they would garnish my check refused validation & I do have all my calls recorded I also have voicemails left.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Earm LLC
State: PA

Complaint narrative:
ON XX/XX/2015 my son was left a message on his cell phone from these people about contacting me they said for him to contact me because i was being served with papers from my state with XXXX allegations to be filed against me legally, they will pursue me at my employment or house.. and to contact their legal department. they have also left the same message on my cell phone

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My lender has lied on three different occasions when reviewing me for a loan modification. I have confirmed three times that they had documents such as a divorce decree. Three times I have been told afterwards that they do not have it on file. They are not following the law and properly reviewing me for modification. At the same time, they are pursuing foreclosure. This is dual-tracking and the bank should be fined for the illegal practice, as well as being forced to give me a loan modification. I have been sending documents over and over for over a year. They lie and lie so they can take my home. Please help 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 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I 've been a WF Mortgage client for over 20 years. My home, under contract, is scheduled to close on XX/XX/XXXX. In spite of being notified of the above Wells Fargo Mortgage made several harassing phone calls to me, at work, when the payments were not ( or ever in the loan 's history ) 30 days past due. They admitted that they had been notified on the closing of the loan but defended their actions. They refused to provide me with the contact information of any government agency that provides oversight of the mortgage company. My last point of contact was XXXX at XXXX who id 's herself as a supervisor.

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 2015-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
I keep receiving phone calls from an XXXX XXXX who asks me to call him back regarding some XXXX account. He says he is from P & B Capital Group but when you call the number provided back it 's a generic recording that says you reached the office of XXXX XXXX and to leave a message. If this is a legitimate debt then XXXX XXXX needs to mail a letter verifying the debt and stop harassing me and my family. He called my elderly grandmother demanding to speak to me and was super rude when she told him I was n't there. This man has no business calling ANYONE related to me or associated with me. He is super rude and confrontational and I googled his phone number and name and I read more than XXXX comments from people saying the same thing, that he is rude and confrontational. He acts as if you owe him money personally or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP
State: NJ

Complaint narrative:
I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
On multiple different occasions, Round Point Mortgage has been unable to handle my escrow account accordingly. First, once they obtained the loan, I was charged the same amount of money for city taxes as I was for my county taxes causing an additional $ XXXX yearly addition. After providing documentation multiple times over a matter of three months, it was finally rectified. During those three months, all of my emails and secured messages went unanswered. It took upward of ten calls to finally have someone look at it and give me a guarantee that it would be adjusted. Now, I have submitted new tax documentation from the county and the Veteran 's Affair 's Office showing that I am a XXXX veteran. My initial contact was at the end of XX/XX/XXXX and did not receive a response for ten days. Following that, I responded with the same said documents via email. I never heard anything back which prompted me to call them mid-XX/XX/XXXX. After speaking to a representative, he assured me my escrow analysis was be performed by XX/XX/2017. In addition to that, he made sure all of my documents were in order. XX/XX/XXXX comes and goes and there was still no update to my escrow payment nor an escrow analysis performed. I called in again since they never responded to my emails nor my secure messages through their website. I was told the documents I sent in were a blank check and a homestead exemption form. I sent neither of those documents in. Plus, the blank check was for a bank that I am not a member of. I, again, emailed the same documents to the email address provided. There has not been any sort of contact attempts to me to let me know that I either sent in right or wrong documents. My escrow account still has not had an analysis performed, but I was told it would be taken care of by XX/XX/2017.

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 2017-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Regional Management Corporation
State: SC

Complaint narrative:
I asked for verification of XXXX debts from them. Never got verification. Just a letter stating that it was frivolous and will not investigate. They just closed the accounts and charged it off on my credit. That tells me they have nothing to state i owe them. I never signed a contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a bank account and deposited {$15000.00} with chase ( XXXX XXXX ) in XX/XX/XXXX. I withdrew the money in XX/XX/XXXX when, the bank associate did no disclose there would be a XXXX/month service fee. 
I checked my account on XX/XX/2017 and found that I have been charged XXXX for {$200.00} balance and there will be additional XXXX charge. 
Although I called to close my account on XX/XX/2017, the charges are not refundable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
XXXX customer for agreement period of 3 years XX/XX/XXXX-XX/XX/XXXX. Let service continue till I relocated in XX/XX/XXXX. XXXX claims I owe a cancellation fee. I asked for copy of contract and supporting documents from XXXX and Receivable Performance Management. XXXX says they have none but to look at their website for policy. I said show me agreement from XX/XX/XXXX when i enrolled. They turn over to collections which hit my credit report XX/XX/XXXX. No notification, warning. Received call from collection threatening if I dont pay they would report to credit bureaus. This call took Place XX/XX/XXXX. Thus 3 months after it had been placed. Want this removed from my perfect credit report at all XXXX bureaus. Receivables Performance management is Collection Co out of WA state. Thank you for the time

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 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Streamline Recovery Inc
State: VA

Complaint narrative:
XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Clay Chapman Iwamura Pulice & Nervell
State: HI

Complaint narrative:
Someone by the name of XXXX, XXXX # XXXX of XXXX, XXXX is making some outrageously erroneous statement ( s ) on XX/XX/XXXX that XXXX, Incorporated has a contractual relationship with XXXX, XXXX and XXXX, XXXX acts as XXXX, Incorporated 's servicer as provided by the terms of the Mortgage. 
Go to first Attachment, highlighted on page 4 of 8, and also go to second Attachment.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
Received medical treatment at XXXX XXXX Medical Center in XXXX, Idaho. Used a Veterans Administration Patient Card. Assumed VA paid the bill. Now getting served with papers from Medical Recovery Services with 20 days to respond. Papers are dated XXXX. XXXX, 2016 brought to my door on XXXX XXXX, 2016 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business debit cards were stolen from my mail box, my bank had sent my debit cards with ( factory pins ) to my business address, I had no knowledge of this until the day the transactions happened. ( I had no knowledge of this because i still did n't have access to my mailbox, i was waiting for the landlord to give me the key for the mailbox ). I contacted my bank as soon as possible and reported the incident but i was asked to wait until the transactions posted. I had also requested that all the cards linked to my account to be cancelled immediately but the representative failed to do one of them so more transaction posted the next day.

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 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am a Co signer on my daughters loan from Navient. My daughter became XXXX shortly after graduating and I made interest only payments for a few years. I recently retired and the loan amount was raised to {$260.00} a month. Many calls to navient by both my daughter and me with all our financial and each time was given some hope of lowering the payments to make them manageable. Each time they took {$50.00} to put us in forbearable and then let us know they could n't help. So instead I will struggle and at some point not be able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
When XXXX switched over to Navient as my student loan provider, I was given no choice to do otherwise. I am currently a stay at home mother with XXXX children. My husband and I have been through a number of financial difficulties ( including my husband losing his job at one point ) and Navient never offered alternative repayment options or any options that would give us a measure of relief. We have a cosigner on the account but she is in as hard a time as we are. The problem is that when I called Navient to see what options might be available, they said they would have to speak with my cosigner. When they did, they determined that she makes enough to cover our payments when she actually does not. So, I 'm being told that there are no options ( there never have been through Navient ) and that my cosigner can pay ( which she ca n't ). The financial strain has been causing me a tremendous amount of XXXX, especially because once I use up all of the forbearance, I 'm going to have to choose between feeding my family or paying Navient 's steep payments. That 's not a decision someone should have to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Law Offices of Goldsmith & Hull A.P.C.
State: TX

Complaint narrative:
I reached out to Goldsmith Law Office. I talked to XXXX. She states would send out in writing in detail by U.S. mail, the Student loan debt I owe, that was on Friday XX/XX/2017 between XXXX and XXXX CST. She said that she would send documentation and I told her once I receive this I will make arrangements to set up a payment plan. I called back Monday XX/XX/2017 at XXXX XXXX CST, to see if documentation of my loan and amount that I owe can be sent to me in writing and she was acting like I never spoke with her. So I am taking this measure to get paperwork in writing sent to me. Last XXXX numbers of my case is XXXX. 

The Establishment name and address is Goldsmith & Hull Law Office- Attention XXXX XXXX, CA XXXX Office # ( XXXX ) XXXX XXXX Direct Line ( XXXX ) XXXX

Company response to consumer: Closed with explanation