vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I am writing to dispute the inaccurate data being reported on my credit report, referencing account number XXXX by XXXX XXXX XXXX 
How it should report / Why it's inaccurate : I am disputing the below collections on my credit report, because I have verified with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX that these bills were never billed to my insurance company, XXXX XXXX XXXX XXXX within the timely filing window. I am not liable for this debt, and these accounts need to be removed from my credit report because they are being falsely and accurately reported as my liabilities to pay. 
$ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Supporting documents have been enclosed, which is a snapshot of my bill from XXXX XXXX XXXX, account # XXXX which show that my {$1700.00}, {$100.00}, {$79.00}, AND {$66.00} charges were not billed to my insurance company. 

Additional info : I called XXXX XXXX XXXX XXXX on XX/XX/18 at XXXX, and verified with representative named XXXX via XXXX that XXXX XXXX XXXX is an in network provider and did not bill XXXX XXXX XXXX XXXX for this claim, until XX/XX/18 which is outside the timely filing window. 
XX/XX/18 : Spoke with XXXX from XXXX XXXX XXXX XXXX, at XXXX XXXX via XXXX and confirmed that they declined the claim since it was filed outside of the timely filing window. Sent me via email my EOB which shows I am not liable for this debt. I also received a copy of the claim that was submitted late by XXXX XXXX XXXX which was denied because they filed my claim outside the timely filing window. 

I attempted to follow up with XXXX XXXX XXXX and was told that despite the above info, in order to remove the debt from collections, I would have to pay the debt, according to XXXX with XXXX XXXX XXXX. See below correspondence : " From : Billing Questions XXXX To : " XXXX '' XXXX Date : XX/XX/2018 XXXX XXXX PST Subject : RE : Request from XXXX Account # XXXX Dear Sir/Maam, Our office has received the attached email concerning your account inquiry. To have the account removed from collections, the charges must be paid first. Please reply to this email or contact our office at XXXX ( XXXX ) XXXX with any further questions or concerns. Thank you for your attention in this matter. 

Sincerely, XXXX XXXX. 
XXXX  XXXX XXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I have a credit score of XXXX..I get XXXX a month XXXX..I work part time ..there I make XXXX after taxes..My wife gets XXXX XXXX..Last count that was about XXXX a month..Quicken and rocket loans refused us..I know it was because of our ages..Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, New York for the retail price of {$20000.00}. Upon the initial purchase, I placed a {$1000.00} deposit and signed a financing agreement for sixty months at the cost of {$310.00} per month to the accumulated amount of {$18000.00}. I preceded to sign-up with Hondas autopay program shortly after receiving the vehicle using my XXXX XXXX savings account and prior to the first pay date. Payments of {$310.00} were made each month, in full, without incident, with the final payment posted on XX/XX/XXXX. 

On XX/XX/XXXX I received a notice in the mail from Honda Financial Services regarding a late payment of {$1000.00}. The notice did not specify the date of the alleged late payment. After contacting Honda Financial Services on XX/XX/XXXX, I was told that my first payment dating back to XXXX of XXXX was not posted until XXXX of XXXX. The representative said that in this five-year time frame I was contacted both by phone and through email about the late payment of {$310.00} from XX/XX/XXXX, which has since compiled interest, bringing the total amount to {$1000.00}. 

After retrieving the last email Honda Financial Services sent to me which was XX/XX/XXXX the contents of the email did not specify a late payment. Since that email, I have received two separate emails from XXXX XXXX one from XX/XX/XXXX and another from XX/XX/XXXX regarding their upgrade program, stating that they examined my account and I was eligible for an upgrade. I also received an upgrade notice, by mail, from XXXX XXXX on XX/XX/XXXX with the notice saying my account status is Paid Off. The phone calls I did receive from Honda Financial Services were generic, automated messages that did not specify a late or overdue payment. To the best of my knowledge I did not receive a phone call from an Agent until XX/XX/XXXX. 

I have since had XXXX  XXXX pull up my savings account statements from XXXX of XXXX through XXXX of XXXX, and after reviewing noticed Honda Financial Services did not start withdrawing payments until XX/XX/XXXX. After reviewing my credit report - through XXXX  The missing payment from XXXX of XXXX was not posted late until XXXX of XXXX, and Honda Financial Services did not report the late claim to XXXX until XX/XX/XXXX. On further review, all automated, monthly payments from Honda Financial Services show C for current until XXXX of XXXX, with XX/XX/XXXX showing NR for not reported, then C for XXXX of XXXX. This is confusing because XXXX XXXX, Honda Financial Services and XXXX show the XX/XX/XXXX amount being posted on time. 

My credit score has been dipping since XXXX of XXXX and I am at risk of repossession of my vehicle. I wanted to know what I should do to fight this late claim since Honda Financial Services did not adequately inform me about the missing payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 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: WI

Complaint narrative:
I, XXXX ( XXXX ) XXXX, and my family ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) are victims of identity theft/fraud and other crimes that have been reported to the Federal Trade Commission as well as the FBI and Department of Justice. These crimes are pertaining to my brother, XXXX XXXX XXXX XXXX, who is a retired XXXX XXXX with the XXXX XXXX  Department, and our father, XXXX XXXX XXXX XXXX, who is missing and has been missing for over a year along with life insurance policies and other monies stolen. These criminals have also stolen the identities of our deceased mother, XXXX XXXX XXXX, and other family members ( deceased ) with the last names of XXXX and XXXX. These criminals have also committed bank fraud/theft, mail fraud, insurance fraud, property fraud, IRS fraud, cyber crimes and stalking, stalking and harassing, obstruction of justice, witness intimidation and threats, being held against our will, and other crimes. THEY HAVE ALSO IMPERSONATED XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, police officers, FBI AGENTS, journalists and all in order to have access/obtain classified information and impede investigations of these crimes! THEY HAVE ALSO STOLEN MY BROTHER 'S XXXX NUMBER AND IDENTITY TO COMMIT THESE CRIMES! I HAVE SUBMITTED THIS INFORMATION TO THE WISCONSIN FBI AND DOJ AS WELL AS LOCAL POLICE AND THE FEDERAL FBI AND DOJ FOR INVESTIGATION BUT HAVE NOT RECEIVED WORD! I HAVE ALSO SUBMITTED THE NAMES OF THE CRIMINALS INVOLVED TO THESE AGENCIES ( PLEASE CONTACT! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CFM Group LLC
State: CA

Complaint narrative:
XXXX XXXX, with CFM Group, contacted our company via email attempting to collect for open invoices.

We requested signed Proof of Deliveries ( P.O.D. ) for the invoices before the invoices would be paid immediately and to contact the vendor 's district manager in regards to this matter. 

Ms. XXXX stated that invoices do not need a signed delivery verification. I stated that we have a written contract with the vendor requiring signed P.O.D. 's before invoices would be paid. 

Ms. XXXX stated that she had a copy of the contract and that it states no such requirement. I asked for a copy of the contract to be emailed to me. 

Her email response : " I will just allow this debt to remain her in collections and on your credit as negative mark. Will not go back and forth with you in regards to your credit/debt. '' In conclusion, Ms. XXXX used lying tactics in order to collect this debt. 

If copies of the email correspondence are needed, please do not hesitate to request the correspondence from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have two hard inquiries on my credit report that I did not apply for any type of loan this is a mixed file of some sort please remove 1. XXXX XXXX XXXX from XX/XX/2017 2. XXXX XXXX Inquiry fromXX/XX/2017

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Valley FKA Valley National Bank has changed the terms of the promotion retroactively after the fact instead of paying the advertised account opening promotional offer of {$200.00} and further delays payments to those customers affected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased a car on or about XX/XX/2017. Credit was pulled by several companies, including - XXXX   XXXX, XXXX and XXXX XXXX XXXX XXXX. 
The companies above pulled credit 3,2 & 2 x respectively for a single transaction. ( See XXXX 2 Attachment ) .These pulls are each being recorded as a hard inquiry and have affected my rating on Transunion . ( See Attachment ). Hard Inquiries are 12 instead of 8. 

I have contacted Transunion and they said only the creditors can fix it. I have contacted the creditors and they have no process to remove the extra inquiries, and I should file a dispute with Transunion. I file a dispute with Transunion and they state the creditor had the authority to pull my credit. 

Yes they had approval to pull my credit once, not 2 or 3 times. Please assist me in helping get these items removed.

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 2018-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
I moved out of my apartment in XXXX, and paid the remaining balance due immediately on receiving the invoice on XX/XX/2018. I received a notice dated XX/XX/2018 from IQ Data inc that they were attempting to collect on this debt.

IQ Data is attempting to collect a debt that I have already paid, and was never past due. I have provided documentation of this to them. 

Their agents have provided different answers about whether they own the debt or represent the original owner. 

The agents have given me different email addresses to provide the documentation to, and refuse to confirm receipt. 

They are aware that the debt has been paid, and continue in their efforts to collect. 

XXXX XXXX, a call center agent for IQ data, in particular is belligerent/threatening, and has provided contradictory statements : - That IQ data owned the debt.

- That IQ data didn't own the debt and only represented the landlord.

- That they would send my bill to collections even though it has been paid to the landlord.

- That IQ data had no responsibility or ability to verify the debt since 'He would be making phone calls all day ' if he had to check and see if everyone who had already paid their bills. 
- That IQ data has no way of confirming that they received proof that the bill was paid.

I believe this is a bad faith, intentional attempt to collect on a move-out bill that was already paid, and that IQ data is purposely being difficult and misrepresenting the facts.

Company information : IQ Data XXXX. XXXX XXXX XXXX, WA XXXX Orignial Landlord : XXXX XXXX XXXX XXXX XXXX, XXXX, wa XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-19 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have 2 issues with Citibank. 
# 1 ). XXXX card which I originally requested information from in XX/XX/XXXX. Citibank never provided the requested info and did not close account as I requested. I called and requested info again in XX/XX/XXXX. They never sent requested info and did not close account as I had requested. I sent certified letters to them on XX/XX/XXXX, and in XX/XX/XXXX. To-date, they have not provided me with explanation of duplicate deductions from my checking account, nor have they provided me with a complete history of my payments and charges from inception to closing of this account. The only statements Citibank has sent me are those that have fees and late charges that were posted after XX/XX/XXXX, 4 months after I had requested that they close the account. This account was opened on or about XX/XX/XXXX. Therefore, I would need for them to send me valid/accurate statements from XX/XX/XXXX thru XX/XX/XXXX, as the last time I used this card associated with this account was in XX/XX/XXXX. They did not close account when I asked them to in XX/XX/XXXX, and send a final bill as requested. 

# 2 ). BestBuy card. I purchased a XXXX XXXX phone thru my contract with XXXX. After 3 attempts of using the XXXX phone, ( they seemed to have problems with dropping calls and not sending text messages ), I decided to go back to XXXX XXXX. I returned all accessories for the XXXX and requested a refund. I have the receipts that show that I was supposed to be issued refund, but when I got statement in XX/XX/XXXX, the {$390.00}, was still showing as owed. I called several times, visited the store in XX/XX/XXXX, and the Manager named XXXX refunded {$96.00}, and said that it was a mistake and that was all that she could refund. She could not explain to me why she couldn't refund the remaining {$300.00}. I sent certified letters, and all I got was passed on to other people, departments and pretty much ignored. 
Both of these items are showing on my credit report as delinquent, in spite of my repeated requests to have them cleared on the basis that they are not legitimate debts and Citibank is not entitled to any payments from my end of these situations. I sent letters to Citibank and spoke with their representatives on numerous occasions, but so far, all they've done is ignored me. At this point these issues have cost me one refinance and 2 closed credit card accounts. Please note : I attach correspondence for both of the issues with this complaint.

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 2018-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Once again Ocwen is claiming ownership to the property address XXXX XXXX XXXX. 
I tried for a modification with Ocwen from XXXX. 
I stopped when I found out the loan was a fraud Ocwen has attached the loan to a backdated old debt which is time barr to collect and file a law suit Ocwen put a modification on the home in XXXX and never sent me the papers to sign. I only found out when looking at the statement they sent. I requested the modification papers with signature they could only provide a blank signed paged. 
Ocwen added another modification to the home in XXXX XXXX after telling me I did not meet the dead line of 37 days per their attorney Ocwen approved a modification without my signature again in XXXX. I contacted Ocwen and asked how did they approve a modification without my signature. They apologized and stated it was a good faith modification to help the consumers out. I demanded they remove the modification as their attorney had already admitted in a letter they were not in the origination of the loan. 
Ocwen now has the home for foreclosure and I have not been notified nor did Ocwen. Ocwen is pass the status of limitation to foreclose on the home. I have not sent any payment to Ocwen since XXXX when they stop taking payment as they claim to have obtained the loan via transfer of assignment Ocwen has not been able to prove the transfer chain from the origination of the loan. They are just going to take the home and not follow the laws

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC
State: NY

Complaint narrative:
On XXXX XXXX 2018 I received a phone call from an Employee at Payomatic threatening me with my life and making all sorts of anti-Semitic comments. All phone calls and all threats were recorded. I also have threatening texts from the same employee. I contact Pay-O-Matics department of Human Resources. I spoke to a XXXX and left a voicemail for a Mrs. XXXX. I also call to speak to XXXX and XXXX and could get no response and or action. I am asking for an email address where I could send all recordings and I would like this matter dealt with immediately. I would hate to include CFPB in a lawsuit as well for protecting Pay-O-Matic in an anti-semitic attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CO

Complaint narrative:
XXXX XXXX XXXX, attorney for the law firm Weltman , Weinberg & Reis Co., L.P.A.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: CO

Complaint narrative:
XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was involved in a car accident on XXXX. My car was a total loss. I contacted Capital One Auto right away. The balance remaining at date of loss was {$16000.00}. The Insurance Company sent a payment of {$11000.00} on XXXX, the value of the vehicle .Capital One held the payment until XXXX. I called everyday, and was told there was no payment. The Gap Insurance sent a payment of {$4300.00} on XXXX. Capital One did not process that payment until XXXX. Now, I am told I have a balance. I do not wish to pay the balance. Capital One, held the payments to charge me additional interest and fees .. Capital One states balance of {$260.00}. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: TX

Complaint narrative:
Company reported a debt I do not owe to the Credit Reporting Agency. I contacted them and notified this was not my debt. They notified me that ABR Recovery " verified '' the debt. I notified them that it was a fraudulent account because I don't owe this yet it has effected my credit score. I  received a letter from them today for the first time they have ever contacted me. Not mine. The letter seemed to be copied on an old fax type machine, the envelope was scotch tape sealed ... very suspicious. I checked them on line and found that they have had complaints before. The letter was threatening and accusatory and made legal threats they can not engage in in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 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: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
On my XXXX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was going to fall behind, I call the company to start a payment program, they told me my payment had already been made, I knew it hadn't. I attempted to make a payment, they refused my payment, and then they began overcharging my account. I called in to speak with management and started to explain the situation and then she hung up on me. I have documentation of dates times and names.

Company response to consumer: Closed with monetary relief