vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HOVG, LLC
State: TX

Complaint narrative:
I have received numerous letters and phone calls from Bay Area Credit Service stating that I have a collection that I owe somewhere around {$400.00} ( I am at work right now, do not have the exact amount ). I thought all my collections were taken care of because I had two other collections which I settled but not before I had them report for several years and also sending me many letters and phone calls while Bay Area Credit Service had not done either until the past year. I asked them to tell me the hospital name and phone number, the original source of debt, but they were going around that and I never got a clear answer. I was getting annoyed with their constant barrage of phone calls and called the hospital I went to and they said all I owed was $ XXXX~ and that they had sent that to state collections. I called state collections and they said that they had it sent back to the hospital, which I called them again and they said they found where it was forgiven once it came back. I asked why I never saw this on my credit report for the past 3 years ; they said because they were trying to give me a chance to pay it off before affecting my score. They then continued after that, saying they would report to the credit bureau for my collections and they would stop contacting me because this was my " last chance ''. I have yet to see it on show up on my credit report and even after being threatened that this was my " last chance '' to pay off the collection, I still receive phone calls and letters from them. 

Apologies, this is a wall of text, I am unable to go through it again while at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX I am having issues with inaccurate addresses on my credit file. Under the Fair Report Credit Act, you are required to comply. My Employer is XXXX XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX There are numbers are not mine please delete /remove the following numbers : ( 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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On or about XX/XX/2019 Specialized Loan Servicing modified my mortgage loan. 

While I was doing research I found Monthly Distribution Reports which are provided by XXXX XXXX, the Master Servicer of the trust that my mortgage loan is said to be a part of. These Distribution Reports are reports report on all aspects of these loans so that the IRS and the Trust can see what is going on. 

Surprisingly to me the information I found has a lot of discrepancies. Either XXXX XXXX, XXXX XXXX  XXXX, and Specialized Loan Servicing are defrauding the IRS and the Trust or they are defrauding me. Either way I suspect some fraud on their part like I have always suspected. 

I have attached the Loan Modification Agreement, copies of the pages of the Distribution Report that is pertaining to my mortgage loan ( note that mortgage identifier is my originating mortgage loan number which is XXXX which you can verify on my Note which is also attached here to ). 

You will note that the Principal Balance also called Actual Balance has a discrepancy of {$52000.00} The Balloon Amount listed on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$500000.00}. 

The Deferred amount on the Modification Agreement vs. the amount listed on the Distribution Report has a discrepancy of {$140.00}. 

It is clear that there is some type of fraud that is involved in these documents. My Modification Agreement should be reflecting the amounts that are listed on the Distribution Report which is suppose to be the documentation everything is based from.

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 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting on credit report as charged off a total of 4 accounts .Last payment for all 4 accounts were in 2011 and all accounts were showing negative on my report prior to this date. I have not made arrangements or signed any paperwork with XXXX for said accounts and they exceed the 7 years for a negative items to be reported and have exceeded my statue of limitations for Florida

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 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX XXXX2014 fair collections and out XXXX XXXX @ XXXX XXXX XXXX {$6500.00} I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say if my parents defaulted I would take responsibility for the money they owe. I had no job making it real hard for me to pay the $ XXXX monthly rent. Crooks I never spoke to anyone here at the property that I would gladly pay the rent. This is beyond upsetting I wish I was told the woman who rented the place to my parents never met me bet she has no clue who I am yet Im responsible.

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 2019-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Presser, Felt & Warshaw LLP called me to collect a debt although I do not owe them any money. When I called them and requested that they stop contacting me, XXXX XXXX at extension XXXX, proceeded to ask me questions that I didn't feel comfortable answering and when I refused he said that he would not remove this number because I wouldn't answer his questions. Why should I have to provide information to a debt collector that I don't owe any money to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: OH

Complaint narrative:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX XXXX opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   SD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I have an account with Simmons Bank. I came in to cash a check for a small amount from my father who has the same last name as me. I brought the check along with my driver 's license and Simmons debt card to the bank teller inside the bank.

The teller looked up my account information and spent about 3-4 minutes scroupoulousy looking it over for whatever reason. He finally asked me " whos signature is this because it doesnt match what have on file ''. I replied in litteral disbelief " My dad 's signature ''. He then said to me " no it's not his signature because the signature on this check does not match the signature I have here '' The teller then tried calling my dad and dialed the wrong person.

I then called my dad and told him what was going on. He was not happy about this and told me he would take care of it. He called his hometown branch location and told them what was going on. He called me back to let me know that it had all been taken care of and they should let me cash the check now.

After I got off the phone with my father the teller manager came over and asked what was going on. The normal teller I had been dealing with showed the signatures to her and all she sassily said was " Oh yeah those aren't even close! '' And walked off without even speaking to me. Nobody asked how important the check was or discussed it with me. Nobody cared! I was panicking because my rent was due at the end of the day. I literally left the bank crying because of the way I was treated. The Simmons teller for whatever reason wrote my simmons account number on the check before I left. 

Thankfully my XXXX XXXX was able to take the 2-day hold off of the check after I talked them about why my Simmons account number was written on the check and my awful experience at Simmons.

I feel as though the simmons teller saw that I had {$3.00} in this rarely used account and assumed my business was fraudulent. If I kept a higher balance he would not have cared. 


As of XXXX/XXXXXXXX19 I tried emailing Simmons customer service and never received a reply about my problem. I work during their normal business hours. Simmons actually took away my ability to withdraw money from the atm with my debt card. I was able to get ahold card holder customer service and the lady had me confirm my identity. After explaining my situation to her she tells me that their fraud department had set my atm limit to {$0.00}. She wouldn't tell me why. I finally got her to turn the limit up temporarily so I could most of my cash out of my account ( {$380.00} ). 

As of XX/XX/19 I tried using my Simmons debt card to try and use up the remaining {$16.00} in the account. My debt card will not work anywhere. They had my card completely shut off.

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 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have disputed the dates they claim the account were opened that are on my credit file and have submitted proof from there own website that shows the correct open dates and I just need them to correct the information on my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Ever since Friday l have been trying to tell Honda financial  to please allow me to pay the past due balance in order to have my vehicle back and continue with payments but the refuse to make any kind of deal with me l spoke with the only representative name lore and she hung up the phone 3 times at me all they want me to do is to pay off the full amount remaining in my account but they wont explain me why do l have to pay all that amount if my interest rate is for 0.90 percent annually for that amount off XXXX what it means that the correct amount is XXXX annually of interest rates my car was reposed because l miss two payments l was trying to explain why l missed those payments but they dont want to help me and l was trying to tell them that according to the contract l have the right to pay the past due balance and the fees and get my car back but they refuse to do that l also spoke with the supervisor name XXXX and he also was very ruled and he refused to help me at any way possible this is my second car with XXXX and l never had any problems before until right now with this Honda financials and is not right that l have to lost my car just because they dont want to do what they have to do and that is to allow me to make the payment off past due balance and get back on payments is been so many days and is going to be very Spence to get my car out from repo place all because they refuse to fallow the contract and keep my rights l really hope that l finally get some help true this complaint because l really need to get some one to hear me at ones

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS REPORTING ON MY FILE. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION ; THEY HAVE CAUSED SUCH A GREAT HARM TO MY CREDIT, AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THESE NEGATIVE ACCOUNTS OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 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:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX  Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX  SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2019-11-27 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: OH

Complaint narrative:
the below address and accounts do not belong to me, please remove from my credit report it is effecting me negatively The Below address do not belong to me and never have, I live at XXXX XXXX XXXX XXXX OH XXXX for over 10 years so please delete these address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX ARS Opened XX/XX/XXXX balance {$970.00} account # XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX XXXX  XXXX  opened XX/XX/XXXX Credit Limit {$300.00} balence {$430.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$97.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO 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 2019-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
I verified my information with them last week ( Thursday XX/XX/XXXX ) and told them that the account would be paid this week. They acknowledged all of this. They then called a relative to try to find me even though they already knew my information and I had verified it with them. Since they already had this information, verified by me, they had no right to do this, and I consider it harassment, and it is specifically in violation of the Fair Credit Reporting Act to contact a relative for any reason other than the already confirmed information. 

On top of that, and the main reason I am filing this as a complaint, is that the calls came today ( Wednesday XX/XX/XXXX ), after I used their online portal to schedule an online payment for Friday XX/XX/XXXX for the full amount of the debt yesterday ( XX/XX/XXXX ) as agreed upon with them previously, so they are harassing me for a debt that has already been settled, again, in violation of the fair credit reporting act. 

Attached is the email confirmation of the payment, along with the call logs from my relative 's phone dated after the scheduled payment acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services
State: GA

Complaint narrative:
Springwater Financial is not trying to work the problem out. I've paid {$590.00} on a {$350.00} loan and want an additional {$790.00} .Spring Water Financial continue charging 700 % interest and up on a {$350.00} loan is illegal in Ga. I have to keep renewing in order to keep payments current.They harass job and this unfair business practices in USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have disputed the dates they claim the account were opened that are on my credit file and have submitted proof from there own website that shows the correct open dates and I just need them to correct the information on my credit bureaus.

Company response to consumer: Closed with explanation