vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between ENHANCED RECOVERY COMPANY and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX XXXX XXXX, are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General. 2. File a complaint with the FTC, 3. File a lawsuit against you in U.S. Courts for Harassment, fraud and invasion of privacy and attempt extortion. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection effects and immediately remove my account from your office database. In the event you transfer this account to an attorney without providing proof of contract, he will be immediately reported the STATE BAR ASSOCIATION and the PROFESSIONAL LIABILITY FUND for code of ethics violations. Please check the age date on this account. Look up DOLA ( Date of last activity ) and see the Statue of Limitations by Law makes this account unable to be collected. Please Cease and Desist all collection efforts and communications. You may inform me that this account has been removed from your office files and records as requested within the 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: A & O Recovery Solutions, LLC
State: AL

Complaint narrative:
I had cell phone service with XXXX XXXX  for about 10 years. They kept going up on the rates for a unlimited family plan of 3 lines. After my 2 year contract period was up I decided not to renew it. Well in 2011 XXXX XXXX  stopped offering contracts, your bills were month to month unless you bought a new device from them. I contact XXXX XXXX  and explained to them that I no longer wanted phone service with them and after I pay my current bill they can discontinue my services.The CSR said it was fine and that's because they no longer do contacts. Well about 2 years later I check my credit report and I see XXXX XXXX in the collections part for {$1400.00} and I had just opened up a account with them. I contacted XXXX XXXX, the CSR states that I was charged a line cancellation fee for 3 lines. I stated that was impossible because my contract was up, I didn't purchase any new devices and I had phone service with them for about 10 years. I also stated XXXX XXXX  no longer do contracts anyway they do month to month unless you purchase a device. The CSR then stated well you're charged for it and you need to pay it. I then disputed it on my credit reports. It was removed. They keep selling it and replacing it on my credit like I just opened up a phone acct making a negative collection and lowering my score. This has been right at 7 years ago if not more.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-26 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, should be remove from all reporting agencies, it hasn't been remove from experian

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 2018-04-26 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:
On XX/XX/XXXX Equifax responded to my CFPB complaint stating that XXXX # XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX have all been verified.

Ive informed Equifax numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Equifax.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Equifax copies of the application, agreements with my signature. I respectfully request that Equifax open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, XXXX XXXX XXXX # XXXX, was also included in my previous disputes, but as noted in Equifaxs response to my CFPB complaint, it was removed because they were unable to verify the account, and they were unable to provide me with the proof that I requested.

OnXX/XX/XXXX I purchased a copy of my Equifax report and discovered that the previously deleted account ( XXXX XXXX XXXX  # XXXX ) was reinserted into my credit report.

As outlined in the FCRA, Equifax is required to notify me within five ( 5 ) days of reinserting a previously deleted item. At no time did I receive said notification.

This is a violation of FCRA 611.

Please delete the above-mentioned account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
My mortgage was sold from XXXX to Mr. Cooper XX/XX/2017 I have since received several notification mail requesting proof of Hazard insurance. 

I have provided insurance proof and a representative from Mr. Cooper 's Insurance dept. has confirm receipt over the phone. But they are now requesting proof of insurance that covers the inside of my house and if I do not provide proof they are going to buy it for me and add it to my mortgage payment. 

Not exactly sure of what type of insurance Mr. Cooper was referring to I requested they call my insurance agent. I spoke with my insurance agent shortly afterwards.. he said they are requiring insurance for my personal property..he asked why do they care if i carry personal property insurance and what does it have to do with the mortgage..at which time he says Mr. Cooper hung up. I have nothing of my personal property worth insuring and have never before had to provide this info to a mortgage company. Is this legal? I have until XX/XX/XXXX. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/18, I received a letter saying Capital One had already closed my account due to inactivity. I phoned customer service and asked if there was any way I could make a charge to my account and keep it open, and the customer service representative told me he was unable to reopen my account but that I was welcome to re-apply. As a XXXX XXXX with limited income, I knew my odds for acceptance would not be good. Sure enough, the online system denied my application. I wrote a letter asking Capital One to reinstate my account and on XX/XX/18 received a letter saying it would not reinstate my account but that I was welcome to re-apply. Sure enough, I received a letter in XX/XX/XXXX saying I was not approved for a Capital One credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I WAS GOING THRU MY INFORMATION FOR TAXES AND SAW A CHARGE FOR {$4000.00} ON MY CREDIT CARD # XXXX XXXX XXXX XXXX  ON XX/XX/16  CHARGED BY XXXX XXXX. I CALLED CHASE AS SOON AS I FOUND THIS CHARGE I SPOKE WITH THE FRAUD DEPARTMENT HER NAME WAS XXXX  THEY SAID THEY WERE CREDITING MY ACCOUNT AND OVERNIGHTING A NEW CARD. ONCE I GOT THE CARD THE CREDIT WAS THERE, BUT AFTER ABOUT A WEEK I GOT A CALL FROM AN INVESTIGATOR NAMED XXXX AT PHONE NUMBER XXXX   EXTXXXX SAYING THAT THEY WERE REVERSING THE CREDIT BECAUSE THEY HAD MY SIGNATURE ON THE PURCHASE I EXPLAINED THAT IT WASNT MY SIGNATURE, AND THAT I DIDNT DO BUISNESS WITH THIS COMPANY! I GOT OF THE PHONE AND CALLED MY NIECE WHO HELPS ME WITH THINGS LIKE THIS AND WE CALLED THE WOMAN BACK AND NO ONE HAS HELPED ME! I AM RECOVERING FROM XXXX XXXX XXXX XXXX AND CAN NOT HANDLE THIS STRESS! NOT TO MENTION I AM ON XXXX FOR THE LAST 6 YEARS! I AM UNABLE TO WORK AND AM ON A FIXED INCOME WHAT THEY HAVE DONE TO ME IS NOT OK! I DID NOT SIGN ANYTHING AND NEVER GAVE ANYONE PERMISSION TO USE MY CARD! HOW COULD THEY TREAT A SENOIR CITIZEN IN THIS WAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: NY

Complaint narrative:
On XX/XX/2018, Transunion sent me an updated copy of my credit report. After reviewing the report, I discovered that 2 out of the 5 previously disputed, unverified item were still on my credit report. ( XXXX # XXXX XXXX XXXX # XXXX  ).

Ive informed Transunion numerous times that I do not know these accounts, and requested that they send me the applications and agreements with me signature, for when these accounts were opened. Ive received nothing from Transunion.

If the above-mentioned accounts were verified as outlined in the FCRA, then the original creditor must have sent Transunion copies of the application, agreements with my signature. I respectfully request that Transunion open my file, and send me copies of the applications, agreements with my signature, as proof and verification. If they can not provide me with the proof that I need, then the accounts must be promptly deleted.

In addition, Transunion has reinserted two collections accounts that were investigated and deleted from my report dated XX/XX/2018 ( XXXX XXXX XXXX XXXX XXXX XXXX ). I did not receive a five ( 5 ) day re-insertion letter as outlined in the FCRA 611. Please delete said 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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: IN

Complaint narrative:
Cavalry Portfolio Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
The entity claims I owe them money for a debt I do not owe and had never paid on but on my credit report they have been throughout the course of ten years making it appear to where I started and setup a payment with them and have been making payments to them which I have not ever once. I have not even contacted them throughout the span of ten years. Everyday I get harassed by phone calls all from different yet local numbers ( too many to count ) to disguise the true nature of who was really calling my house. They will get on the phone trying to bait me by impersonating someone other than a debt collector. They sent a fear factor letter in the mail threatening to take funds out of my check. Since I have known them to be irrelevant I have to step up and now and take action towards them and ask for proof of any transactions they claim I have made to them so they can be made fools of I can be left alone. I have stressed and endured harassment long enough over 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 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: IN

Complaint narrative:
Pinnacle Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TX

Complaint narrative:
cra violation inaccurate information sent to ftc equifax breach po report sent to all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Transworld Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I purchased a full year digital subscription to XXXX  for the sum of {$360.00}. While I only used it for a few days, I did not dispute my purchase, which was made freely and with full knowledge of the no refund policy. 

In XX/XX/XXXX I attempted to cancel the subscription to ensure I was not charged for a second year. However, I was unable to log into my account while trying to navigate their web page for details, and was unable to contact anyone in customer support via phone, as they do not provide a customer support number or easy way to cancel online. 

This came across as both deceptive and deliberative on the part of the merchant. Being confident in American Express, the credit card I used to charge the purchase, I did not worry too much about getting another charge that wasnt easily contestable. 

In XX/XX/XXXX, I was in fact charged a {$360.00} renewal fee. Upon noticing it on my card a few days later, I disputed the charge with the credit card company. I explained the above info to the customer service agent and submitted the claim, which was denied. I disputed the denial and have been asked, again, to provide documentation of my dispute. I sent the note below, which read in part ... 

" ... It is difficult and deliberately burdensome to contact a representative from merchant to cancel a renewal subscription which I feel is designed to trap you into an unwanted and unused future purchase. I was never notified of a pending renewal by merchant for a large upcoming transaction of {$360.00}, even though they had all of my contact information email and phone number, which I feel was a deliberate attempt to be deceptive and engage in gotcha tactics. It has been nearly a year since I used them in any capacity and certainly not at all since they renewed my subscription in what they deceptively describe as my convenience. A brief internet search demonstrates that this is a major concern for customers of this merchant and others feel equally deceived. 
In light of these four facts, it is my belief that while their actions may not have been illegal, they were certainly deceptive and unethical. Those two reasons should prompt American Express to side with the consumer instead of the merchant, and honor a refund of my unsolicited purchase. 

American Express originally refunded my charge based on my note, but later reversed the decision, again, in favor of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TX

Complaint narrative:
cra violation inaccurate information sent to ftc XXXX breach po report sent to all 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 2018-04-26 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: TX

Complaint narrative:
cra violation inaccurate information sent to ftc XXXX  breach po report sent to all 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 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX  Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX  knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.

XXXX XXXX XXXX   provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.

As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.

When I went on XX/XX/XXXX to the XXXX XXXX XXXX  Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.

Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.

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 2018-04-26 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I called Wells Fargo concerning an inquiry made last XX/XX/2017 which shows up on my recent credit report with XXXX  as WF CRD SVC. I can not recall any activity around that time period that would account for this inquiry. I have no accounts with Wells Fargo and have not been shopping for a mortgage. I asked them to remove the inquiry which the representative attempted to see if that was possible and was told that Wells Fargo doesn't just remove inquiries because someone asked them to. I believe the inquiry is not by 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