vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing a Chapter XXXX Bankruptcy with Experian since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Experian and never would. Experian 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XX/XX/XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experian 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

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 2018-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MIDCOUNTRY FINANCIAL CORP
State: WI

Complaint narrative:
XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. 
I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. 
I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.

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 2018-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I cosigned for a vehicle for my roommate. He had a good paying job and I was taking him back and forth to work. He was turning his life around and tried to assist him by helping him build his credit and assisting him in getting a vehicle. He had occasional trouble paying but I would help him when I was alerted of the trouble. 

My roommate moved in with his girlfriend and I thought he was making payments. Then one day I woke up to a call from my former roommate that his car was gone. It had been repossessed. I called XXXX XXXX XXXX in XX/XX/2017 to ask what had happened as I had never been alerted to any late payments or a pending repossession. I let them know that if I had been alerted I would have made the payments. They did not create a plan for me to get the vehicle back, only kept repeating " You should have made the payments. '' I was alerted that I needed to go to a hearing on this matter. It turns out that they could not find my former roommate so they were going to make me responsible for the entire remaining principal debt after resale of the car ( {$14000.00} ), attorney 's fees ( {$750.00} ) plus cost ( {$430.00} ), and pre judgement interest ( {$370.00} ) totaling {$15000.00}. 

I do not feel that I am responsible for this debt as I tried to make arrangements with them to make payments. I also feel that I should have been alerted when the account was in jeopardy. Finally, If anyone is to be responsible for these payments I feel it should be the primary borrower. The only reason the court said I am responsible is because I was a good citizen and showed up. Since they can't find the primary ( even though I told them where he was XXXX they said I am fully responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been disputing a Chapter XXXX Bankruptcy with Equifax since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Equifax and never would. Exquifax 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifax 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I initiated a *Same day* international bank wire. It was not received by my intended recipient. 
Bank of America sent me the message pasted into the next section but they never notified me of any problem. 
I contacted Bank of America via XXXX. They said that they needed more information but wouldn't tell me what. They expect me to contact them by telephone. But I am traveling in a foreign country with a different time zone and no means to place an international call. I have only a local mobile telephone. BofA requires a landline to place an international call.

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 2018-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Message to XXXX involves a mortgage from 5th 3rd, the problem that I'm having is back in XX/XX/XXXX I paid enough down on principle to wear PMI should have fallen off of the mortgage. I kept looking for about 3 or 4 more months the PMI or FHA insurance never came off of the mortgage, so did a little more research and I am told now that I have to write a letter stating the removal of PMI from my mortgage. I wrote the letter in XX/XX/XXXX and still in XX/XX/XXXX PMI FHA insurance is still on my mortgage it has not been needed since I reached the 20 % of loan total value from original fair market purchase price in XX/XX/XXXX. Why am I still paying PMI FHA insurance on something that hasn't been necessary since XX/XX/XXXX I should have been reimbursed or a credit towards principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been trying in every way to make payments that Chase mortgage escalations supervisors requested I make by XX/XX/XXXX. 

I was in Chase mortgage lathrup village bank on XX/XX/XXXX submitting three payments but they refused to take as in complaint # XXXX I was assigned to XXXX XXXX in executive offices. on XXXX. I made three calls to her to no avail. Than called and complained that she was not available and was not returning calls by XXXX : XXXX that day as her voicemail cites her hours ended at XXXX XXXX. which compelled a return call. 
While working with her she made snide and caustic remarks such as, " Im sure YOU don't have the money do you ''. Nonetheless Owner pleaded to get the three payments in by XX/XX/XXXX as instructed by Chase. She declined. And said also, " I'ca n't imagine how much stress this must be for you ''. " But I can't tell you when this will be resolved. '' XXXX XXXX also spent time explaining why she was raising her voice when owner asked her why she was being so combative. 
She promised to call on Friday XX/XX/XXXX and did not. 
Owner felt forced to request new representative for aforementioned reasons. 

However On XX/XX/XXXX.when owner finally spoke to XXXX XXXX at XXXX because Manager XXXX never returned call to date. Owner requested to change representatives without slowing down the priocess. 
On XX/XX/XXXX XXXX XXXX called citing she was new representative and she would be starting fresh and had to pull same call recordings XXXX XXXX cited he would pull on XX/XX/XXXX. But more importantly she had been provided with wrong dates from XXXX XXXX. 
She was given correct dates. 
XXXX . XXXX -XXXX did not deny that XXXX XXXX documented a STOP foreclosure on XX/XX/XXXX as did XXXX XXXX XXXX and XXXX at executive offices confirmed and concurred on XX/XX/XXXX. XXXX XXXX also cited she was aware of consumers complaint & call from XXXX XXXX XXXX office. Further at exactly XXXX. XXXX XXXX stated, " This foreclosure should have never happened ". Owner asked the call to be escalated back to XXXX XXXX XXXX but she is out of office and told no other managers were available after brief holding time. Owner requested to be put in XXXX XXXX voicemail and that transfer disconnect call. 

This is outrageous Chase has had since XX/XX/XXXX to pull recording and further more it doesn't matter as Owner tried to submit more than the one payment initially requested by XX/XX/XXXX and make the maximum amount required by Chase on XX/XX/XXXX for four hours in their XXXX XXXX Mi office to no avail. 
This executive office has made no advance and is still passing on erroneous information not returning calls or has made no LEGITIMATE attempt to resolve this critical issue. This all appears a protracted way to obviously foreclose and or charge owner additional money to make it unacheivable. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
I have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Two calls per day during work hours. Phone number used is XXXX. I have no account with this company so this is unsolicited communications. Any debt is invalid and any negative reports on my credit should be removed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been charged insufficient funds and overdraft fees several times over the past few years by Capital One. The reoccurring issue is that some charges will be rejected, and I will be charged a {$35.00} fee, while other charges will be paid, and I will still be charged a {$35.00} fee, which sometimes exceeds the amount of the charge which was rejected. 

I have been told by customer service to deposit more funds as a solution. I have been told that an algorithm decides which charges to cover and which to reject. 

The total amount of NSF fees paid each year amounts to more then what a payday loan might charge ... 

I hold two capital one credit cards which are not taken into consideration or able to be linked to the account to cover said charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Rocky Mountain Capital Management
State: TX

Complaint narrative:
ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me.

I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices Howard Lee Schiff, P.C.
State: CT

Complaint narrative:
I went to XXXX XXXX  located at XXXX XXXX XXXX XXXX XXXX  CT on XX/XX/2016 to have a XXXX fixed were the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this is shown in second picture of the documents I have uploaded regarding this complaint. The XXXX  had XXXX XXXX XXXX XXXX as you can see the dark XXXX mark in the XXXX  with the XXXX XXXX XXXX XXXX at the bottom shows he XXXX XXXX XXXX XXXX When I went to the XXXX he said he could place the XXXX back on the XXXX. I suffered allot of horror in this XXXX   office. The XXXX XXXX XXXX XXXX XXXX that was working at XXXX XXXX   at the time seems to no longer work at this location at all. He seemed to have moved I believe to XXXX XXXX XXXX XXXX XXXX  CT. Tel # 2XXXX. This doctor stated he could fix my XXXX when attempting his practice with on me I found many strange un sanitary acts used upon my XXXX. I suffered great pains in this XXXX presents. My credit card company had taken payment away from him and failed to allow him to be paid I won the dispute against this doctor. Although I have won the dispute I managed to hire on a no fee unless I win with attorney XXXX XXXX XXXX in XXXX XXXX  CT. This attorney seemed to XXXX XXXX  from a XXXX XXXX and my case was transferred to this Attorney XXXX XXXX in XXXX CT where you can see he gave me a letter of protection and then said later he could not obtain an expert witness to testify in court, so I could not bring a case against this XXXX XXXX XXXX at all. This was not making any sense to me at all. I was then given the opportunity to try to get my funds paid through the XXXX XXXX XXXX. When I went to them for help I found that all these XXXX are sticking together, and I do not stand a chance at all on this damage caused to my XXXX from this XXXX resulting in over {$25000.00} in damages to my XXXX from him. You can see in the first XXXX picture that I enclosed that I had to pay to have the XXXX XXXX XXXX XXXX the same day that he tried to place his XXXX XXXX XXXX XXXX into my XXXX XXXX XXXX that was XXXX XXXX. As soon as the XXXX  wore off the XXXX   was hurting, and it was XXXX. I used XXXX XXXX to fix the XXXX  and I was given a letter of protection thinking I am getting this money back from the representing attorney XXXX XXXX from XXXX CT Tel # XXXX. This is really misrepresentation and I will most likely be filing a grievance against this attorney for what he did. If you can please keep this collection away from me with XXXX XXXX that has been turned over to This Attorney Howard Lee Schiff P.C that is asking me for {$7500.00} to be paid to his office. There is letter of protection the attorney never did any proper job at all for me that was representing me. If you have any further questions please contact me at XXXX.

Sincerely Yours XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting a Rental Debt and it claims that I resided in the unit at the XXXX XXXX. However, despite my letter requesting Validation of the Debt, it will not send over a copy of the Rental Agreement bearing my original signature and/or any relevant document proving that I resided at the XXXX XXXX. Although the representatives are aware that no landlord-tenant existed, they refuse to remove the debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05 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: GA

Complaint narrative:
I had a mortgage loan with XXXX ( Account number XXXX ) The first delinquency on this loan was in XX/XX/XXXX. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/XXXX. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file inXX/XX/XXXXdue to federal obsolescence guidelines. I disputed it and it remained.

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