vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed multiple inaccuracies on my report I would like them to be removed immediately Account XXXX Account XXXX And also multiple payments being reported late which I have never been late on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
I originally received a debt notice a few months ago from diversified consultants regarding a XXXX debt. I then in writing sent them a letter disputing the charge and asked for a detailed breakdown of the XXXX internet charges. 

Then they mailed a letter to my work, which was opened by a mail room employee to see my collections. the letter was put on my desk. Attached to the letter was a copy of the XXXX bill which clearly listed my house address on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
To whom it may concern this complaint is in regards to XXXX XXXX reporting to my credit file for acct # XXXX. I have never received an initial letter allowing me to dispute this account and its inaccuracies pertaining to me supposedly owing this dept. Upon doing further research I discovered that XXXX XXXX is NOT bonded in the State Of California with Californias Secretary of State to attempt to collect debts on behalf of any creditor. It is illegal to do so if you are not bonded in this state. I am requesting that said items be deleted from my XXXX XXXX, and XXXX credit files immediately sice you have no authorization to do bussiness or operate in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I applied to an apartment complex on or about XX/XX/XXXX and this complex utilizes TransUnion rental screening. I was told that I was denied because my score did not meet their requirements. I was told that the score that was being given to them was at least 40 points different from what I received when I pulled my credit report from XXXX XXXX. I was given a number to call so I could be given the next steps to verify the information on file was correct. I was told I needed to put it in writing what I am requesting and also submit a copy of my photo ID. My first initial request was XX/XX/XXXX and since that time I have been given the run around about why I have not received my report. I have been told that they did not receive the letter or the ID to they are working on my request to they have up to 30 days to provide me with what is contained in my report rental or otherwise. I continue to receive letters under the guise it is my consumer report stating that I need to submit a copy of my ID as well as a written statement of what I am requesting. I just want a copy of what was provided to this apartment complex because I know it is erroneous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
In XX/XX/2018 I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection. 
I sent a cease and desist letter XX/XX/2018. 
Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This company Portfolio Recovery Associates alleges I owe {$910.00}. I've asked several times to show me proof that they have my signature on file and can validate this being my debt. All they show me is a statement they have bearing no signature whatsoever and I've been communicating with them for months. Yet again, time after time, they've failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am asking for the description of the procedure used to determine the accuracy and completeness of the information they say is my account. It is not and they fail to provide me with any credible evidence bearing my signature. Additionally, I want the name, address and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Again, I am formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount of {$910.00}. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC
State: AZ

Complaint narrative:
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA

Complaint narrative:
I had a modification with Bayview Loan Servicing, I completed the trial payment period making all payments on time. As I was waiting on them to convert the mortgage to a conventional loan they did a title search were they found a lean for child support. This Lean is not valid and was not found by other title searches done on this property, or other mortgages that I have had. I even have a court order stating that I didn't owe child support, which they said did not prove anything. Bayview also will not return phone calls, or even make contacts with me about my modification. I have also received a letter stating that they are reconsidering my old modification based on the court document, and a decision was to be made by XX/XX/XXXX. As of today XX/XX/2018 there has been no decision. I believe that they are using stall tactics to take my house, and violating the modification law. I have also filed a complaint with XXXX XXXX pertaining to Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
I have on three occasions sent a letter to Rushmore requesting that I should not be paying XXXX instead of the monthly XXXX which I had been paying. They said this is the escrow for my taxes. They claimed that my taxes have gone up. How did my tax go up by XXXX dollars? I also sent a letter to them requesting that I will pay my own taxes but they have not done so and their agents keep harassing me about my payments. Rushmore is a third rate company that is trying to get more money out of me and others. It is enough to look at internet about the comments on them. I never signed any paper with the other company ( XXXX  ) which is now being sued that I agree to a payment of XXXX. Hud representative was also involved in the whole affair.

I demand that they reply to my letter and that I will pay my own taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: Self Lender Inc
State: MS

Complaint narrative:
A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.

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 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I received a Notice and a phone call from the collection agency.

I told the caller to not contact me again, " Cease and Desit '' We are under chapter XXXX protection.

I sent a cease and desist letter XX/XX/XXXX.

Today I received a notice from XXXX XXXX, that they are going to sue me and I will incur costs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
Diversified Consultants This account showed up and I had proved to them I had already paid the account. It is still listed on XXXX as paid in Full, was a Collection. It never was a collection. It has been paid in full.

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX USAA SAVINGS XXXX XXXX Are Closed / Charged off reporting in active balance. submitted numerous of disputes and contacted the credit bureaus to remove inaccurate account or change balance to {$0.00}. But do not investigate or change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: NJ

Complaint narrative:
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX @ XXXX XXXX  missed call from American Express. 
XX/XX/XXXX @ XXXX XXXX  call from American Express asking for XXXX XXXX and trying collect a debt. I inform the caller I am not XXXX XXXX, this is my work cell phone, which I possessed this number for 15 months. ( Not sure if I am spelling XXXX correctly ). The caller appears to be disturbed that I am not XXXX. I repeatedly informed the caller that I am not XXXX XXXX. Also, there is no in this company with that name, which I informed the caller and I do not know this person. Again, the caller was not happy with my response, so I stated that I would report any further calls to this number. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX, I did not answer this call. 
XX/XX/XXXX @ XXXX XXXX ( XXXX XXXX ), I did not answer this call. 
***I never had an American Express card. 
These calls have taken place for the past 2-3 weeks. It appears American Express, which they say they are calling to call a debt, does not have correct information and not they are disturbance and nuisance to my work cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/XXXX check my credit report and Equifax had delete my credit report and insert old accounts. Called them and they told me to call the company for my credit card and loans. Did that around XX/XX/XXXX everything was place back. XX/XX/XXXX all my accounts was there and Now XX/XX/XXXX everything is gone again now. I have called and spoke with manager supervisor and they cant tell me what happen to my credit file and stated I have to call the company. Which I don't think is right because I have call the company last month when this happen and they stayed they have report to them. I'm middle of buying a house and now I don't have no credit file for Equifax now

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: OH

Complaint narrative:
XXXX XXXX Amount account number XXXX {$610.00} XXXX XXXX XXXX account number # XXXX amount {$260.00} XXXX XXXX XXXX account number # XXXX amount {$0.00} XXXX XXXX ACCOUNT NUMBER # XXXX amount {$0.00} XXXX XXXX XXXX # XXXX AMOUNT {$0.00}

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 2018-05-29 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: NJ

Complaint narrative:
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 explanation
Consumer complaint received 2018-05-29 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: NJ

Complaint narrative:
I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
My wife opened a Citi credit card in my name, without my knowledge, over 13 years ago - on XX/XX/XXXX - and I just found out about it 3 months ago. Since XX/XX/XXXX, I've been desperately trying to pay off the final amount I saw on XXXX XXXX  so that I can repair the damage my soon to be ex wife has done to my financial health. Citi has made it extremely hard for me to close the fraudulent account, and to even pay it off. My divorce lawyer instructed me to pay the minimum monthly amount on the Citi credit card ; fortunately, only a balance of {$370.00} was due when I discovered the card - so I thought it would be really simple to end this ridiculous situation and just pay Citi. Citi has made it almost impossible for me to close the account and finally pay off the card. I've contacted multiple offices at Citi ; I've sent multiple letters and so many phone calls I lost count. I reached the most recent individual, and he said just send them a check if they won't send you a formal statement and acknowledge that it's you and that you are trying to pay this off. So I sent a check - for {$5.00} that they charged me in addition to the {$370.00} - I just wanted it over with. Well today - XX/XX/XXXX, three months after I first contacted Citi and tried to resolve this - my check and letter has been returned to me. I am sick to death of Citi continuing to victimize me. They allowed my wife to open the card fraudulently in my name way back in XX/XX/XXXX, without my knowledge, and have let it stay open, and let her continue to charge on it for over 13 years! I've explained the situation to them multiple times - they keep asking me to verify security questions to make sure it's me, and I keep telling them I never opened the card so I don't know the questions she made up! And around and around it goes. They said they'd send me a letter with a confirmation code I could call them to verify it was me, and then pay the card off and close the account. The letter never came.

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 2018-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
6 years ago unfortunately went to bankruptcy chapter XXXX i did include my property on this process we came to an agreement to the loan company and court house at that time was XXXX XXXX XXXX that my property secure value was XXXX and it was the amount bank requires in order to void the lien of my property this amount was requested by the court house and executed by XXXX XXXX XXXX appraisal, i spend since XX/XX/XXXX making payment to satisfied the requested amount, my chapter XXXX bankrupt was successfully completed XX/XX/XXXX it was fully administered by my trustee and the case was close successfully i did call the bank in order to ask for my release of mortgage letter but was impossible to receive an answer after many calls and a lot of waiting time the the only answer was getting is " we will research '' after few months with no communication with the bank i was surprise that the loan company transfers all rights to specialized loan servicing llc another different company, i did call this new company to request my release of mortgage letter, but still give me the same answer, threatening me to send my house to foreclosure i did forward my court documents but seems no effect of them

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