vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Professional Credit Services informed me by letter that they were attempting to collect a debt. This letter was dated XX/XX/XXXX. I replied by Certified Letter with Return Receipt on XX/XX/XXXX requesting information to determine that the debt is valid. The letter was delivered on XX/XX/XXXX and signed for by " XXXX XXXX ''. I have received no response to this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11 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: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, THE THIEF OPENED A FRAUDULENT ACCOUNT AND THEY MAINTAINED THE ACCOUNT WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT AND ARE NOT MINE. I HAVE NO IDEA WHO THE THIEF IS, I UNDERSTAND THAT XXXX  IS A BIG COMPANY BUT ITS NOT FAIR FOR ME TO BE A VICTIM AND HAVE A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS IS DISCRIMINATION AGAINST A VICTIM OF AN IDENTITY THEFT, I AM TRYING TO EXPLAIN TO THE BUREAUS AND TO THE XXXX  CARD THAT SOMEONE STOLE MY INFORMATION AND THEY FRAUDULENTLY OPENED THIS ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
On Tuesday, XX/XX/2020, I received a phone call from XXXX at XXXX. Caller identified herself as being from a Collections Agency and that the call would be recorded. She asked for my husband or myself by name. I stated my name and asked where she was calling from. She said she was calling from IC Systems regarding a debt from XXXX XXXX. She told me that I had a past due balance from a previous address from 4.5 years ago. I was skeptical, as all services were paid and terminated when we moved to our current address. She was willing to send a letter in the mail if I updated my mailing address. I gave her current address and then asked for more detail about the past due bill. She gave me an amount due and an account number to reference. I told her I would need to contact the utility company at a later time. At XXXX on the same day, I called XXXX XXXX to speak with someone about the past due amount. The agent searched for my name, my husband 's name, the previous address, both of our phone numbers, and by Social Security number and was unable to find any amount that was sent to collections. She suggested that the call was a possible scam.

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 2020-03-10 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: LEXISNEXIS
State: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
There is a non-interest bearing principle amount of {$140000.00} on my statement that comes from a loan modification done in XX/XX/XXXX through XXXX XXXX. I have requested a breakdown of that number and how it was calculated on many occasions from XXXX/XXXX. XXXX with no real resolve. As of XX/XX/XXXX, the loan was no longer serviced by XXXX but Shellpoint Mortgage. On XX/XX/XXXX, I sent a request to Shellpoint asking for a breakdown of the non-interest bearing amount that was put on the back of the loan. I was specific in asking what portion were attorney fees and what attorney paid, missed payments, late fees etc ... I did not get a breakdown but they sent me the original modification documentation in which I already had and it does not outline any breakdown of that amount. The request was then forwarded to the Trustee, XXXX XXXX XXXX XXXX , XXXX and they responded on XX/XX/XXXX with sending an amortization schedule reflecting over the life of the loan. 

I'm at a stopping point since I can't seem to get this information in which is a reasonable request and as a consumer that is required to pay this amount, I believe I should know exactly what the amount represents. An additional note is at the time I got behind in my mortgage, the back payments and fees would have been well below {$140000.00}. So I am concerned that perhaps there was an error in calculating the back amount and any type of fees associated with the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
Early last year I got divorced, and results of that occured a large loss of income. We were in the process of building a home, we had already invested quit a bit. A month after the divorce the home was ready, and I moved in. And with in a few months from that and all the the financial things that help make a home run smoothly, was getting less and less. I saw my self really needing help. I called my mortage company CMG Mortgage and was told the only way the could help I had to be 90 days behind. I didnt want to be behind thats why i needed help. Well eventually I did get behind and I started a modification apply, over a few months and submitting all the paperwork they asked for. The house went in active for closure, I was so dissatisfied. From submitting papers, to the Underwriters saying my package was completed on a Friday. To the very next Monday Foreclosure. I did everything I was asked. All paperwork was sent in a urgent timely matter. Presently I'm back with the Underwriters again, but I'm {$20000.00} in debt and very sad, nervous, anxious. Because I dont know which way to go. Ive put in complaints and never heard back from anyone from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have never received any notice from this collection agency. The collection agency is Midland Funding. I want this removed from my all three of the credit report bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: MO

Complaint narrative:
I have filed a dispute with experian multiple times via online and also by mail. I have submitted documentation to verify my identity and to notify them that my identity was once stolen and I have never had any auto loans or leased any vehicles. My identity was stolen In 2013 and XXXX  and XXXX  have removed XXXX consumer auto loan off my credit but experian refused to remove it. I also sent a letter stating that by federal guidelines that i wanted copies of the original documentation that was used to determine the investigation results and experian have failed to provide that.

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 2020-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.

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 2020-03-10 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have filed a dispute with the company and the credit bureaus several times since XX/XX/2017 and the negative report is still showing on my credit report. I have never been late with this card and it still shows 30 days late on all my credit reports.

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 2020-03-10 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: Innovis
State: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one  of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX  XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: Movement Mortgage LLC
State: NC

Complaint narrative:
XXXX / Movement mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / Movement mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX  account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax  confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX / XXXX mortgage account on my credit report is still showing open with a balance. account was closed and transferred to another lender which is XXXX. XXXX account is reporting as correct and accurate. The XXXX / XXXX mortgage account is negatively affecting my debt to income ratio since account is still showing as open. Please update as closed or remove from my credit report. Account was disputed online with equifax confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NJ

Complaint narrative:
XXXX. XX/XX/XXXX, sold 2 lots of items on XXXX to the same user. First transaction was for {$100.00} and second was for {$560.00}. The buyer made a payment through XXXX with credit card. 

XXXX. XX/XX/XXXX, buyer files 2 case against me through XXXX for problems with merchandise. First case {$100.00}, second case {$560.00} XXXX {$660.00} total ). 

XXXX. XX/XX/XXXX, I dispute the claim. XXXX rules in favor of buyer, no further action is required from the buyer, they keep the items I sold them, and the money was returned to their CC account. 

XXXX. XX/XX/XXXX, XXXX requests I repay the negative balance of {$680.00} ( {$660.00} + fees ). The  same day I reply to XXXX requesting help as I believe I have been a victim of credit card fraud known as " friendly fraud ''. I don't get any reply from XXXX. 

XXXX. XX/XX/XXXX, XXXX forwarded my negative balance to debt collector ; SIMM Associates. 

XXXX. XX/XX/XXXX, I send a dispute letter to the debt collector and submit a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
TOYOTA MTR No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2020 I sent {$250.00} to XXXX XXXX via Western Union for products that were being advertise via XXXX. After 30 days of communication with the suppose company I never receive the items. Contacted Western Union to find out to get refunded back my money since there service was being use in a crime. Making them an accessory to wired fraud. This is another example of how scammers are still using Western Union to scam people thus making Western Union gulity of aiding and abetting wire fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FMA Alliance, Ltd.
State: CO

Complaint narrative:
They called me at my work and openly discussed my debt and case. A direct violation of the FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : ALLY FINCL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX No late remarks but the status is charged off. 
XXXX XXXX No late remarks but the statuses are Late 30 Days Late 60 Days Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXX XXXX  XX/XX/XXXX Capital One sent email stating my vehicle has been assigned for repossession. For the past year have been requesting debt validation in writing. SEC information report to have balance reflect. In XXXX the vehicle was {$13000.00} and today {$9800.00} which I have no clear indication on HOW finance charges are calculated daily. To no avail. I submitted an accept for value offer which they did NOT return. There is no lawful money HJR 192 GAAP and UCC 3-603. Asked for statement of account according to UCC 9-210. I NEVER saw Capital One or ANY of its associated representatives pass ANY money. My contract says XXXX XXXX. The only transaction I saw was my vehicle ( security interest ) and my check ( security interest ) and my signature ( security interest ). As a consumer I am more than justified in demanding proof of claim. I receive daily calls and threats from rude beligerent people and they hang up when I mentioned that it is against the law to threaten me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been unable to log into my Equifax account since XX/XX/XXXX. I have had fourteen phone conversations with their staff, sent two on-line complaints, and mailed two hard copy letters with a four-page description of my attempts to resolve the problem. No matter how many times I change my password, I am locked out. They have been unable to connect me with a tech support person. Now, I am unable to reach them by phone although I pass all their information " tests. '' Their XX/XX/XXXX response ( which they sent to an old address ) to my XX/XX/XXXX complaint letter claimed they could not find a credit file for me ( although I bought a house in XXXX that required their providing my credit report AND I have copies of their credit reports on me ). I have received no response to my XX/XX/XXXX letter. 

This is slowing down my refinancing my mortgage, as I have had to send them a letter via USPS requesting that my credit report be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have had a 15-year mortgage with Wells Fargo for nearly 6 years. I have been making bi-weekly payments towards my mortgage and extra towards the principal for most of the lifetime of the loan. I today learned that Wells Fargo has not been applying any of this extra money I have been paying towards my mortgage, but has instead been holding the partial bi-weekly payments and extra payments in an " Unapplied Funds '' bucket, which they withdraw from monthly in the amount of 1 full payment. The end result is that rather than paying my principal down more quickly, Wells Fargo has been using these " Unapplied Funds '', for free, with no benefit to me, and I will need to pay my mortgage off for longer than I thought.

In the attached mortgage statement, you can see where the payment is going to " Unapplied Funds '' rather than towards the actual mortgage.

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 2020-03-10 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: HI

Complaint narrative:
Call Transunion XXXX XX/XX/2020 call to dispute and call USBK court Nevada.

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