vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MD

Complaint narrative:
Third Party Medical Collection that's fraudulent account can not verify or validated services and can not. Notified them and they continued to collect. I notified police of fraudulent collection. I have sent company affidavit of fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC
State: TX

Complaint narrative:
AlliedInterstate sent me a letter stating that I owe XXXX XXXX {$160.00}. I moved out of the storage unit and swept it clean on the night XX/XX/19 at approx. XXXX. I do not owe this company any further rent. I have email confirmation that confirms my date of move out. 

AlliedInterstate is attempting to collect on a debt that is invalid.

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 2019-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
It was a classic bad check scam. I received and cashed a bad check from XXXX XXXX in my local Chase bank for {$3800.00} on XXXX XX/XX/2019, and was asked to transfer {$2000.00} of the check to someone else. I made the transfer on XXXX XX/XX/2019 via XXXX. The check bounced, and I lost my {$2000.00}. I filed a police report with the XXXX XXXX Police Department and reported the incident to Chase as well. However, Chase was unable to do anything about the XXXX transaction despite XXXX being a product produced by a consortium of banks, including Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XX/XX/2019 I traded in a vehicle and purchased a new vehicle at XXXX XXXX in XXXX VA. The payoff quote was {$24.00}, XXXX. I called the dealership constantly to see if they had paid the previous loan off and I kept getting the run around. I was told not to make the car payment on my old vehicle because the dealership would payoff the loan. The car payment on the turn in vehicle was XX/XX/XXXX. After numerous calls to XXXX XXXX I was told today XX/XX/XXXX that I owe them an additional {$170.00} for the title. They have not sent a check to the previous finance company for the trade in vehicle and said they can not do so until I pay them {$170.00}. They said that I signed a form saying I would pay the difference which they could not produce. I was told that the reason why it wasn't paid within the 10 days was because they were busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to 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 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a balance on an account that should not be there. This was paid off when they took from my taxes in order to do so. This should not have a balance and should not be reporting a charge off to 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 non-monetary relief
Consumer complaint received 2019-11-26 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: Innovis
State: OH

Complaint narrative:
My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : 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 XXXX, XXXX, NY 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, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I leased a car for 36 months from American Honda Finance in XXXX. 
All of the payments were made on time, and the vehicle was reported in satisfactory condition upon return, with no excess mileage, wear or damage.. 
The vehicle was returned at lease end in XXXX with a zero balance due. 
American Honda Finance later claimed in my credit report that I had an outstanding balance and the account # XXXX had been charged-off in XX/XX/XXXX. 
American Honda Finance again for the second time, claimed a second repetitive charge-off for the same amount on the same account in XXXX of XXXX, even though they previously claimed the account was closed and charged-off in XXXX of XXXX. I believe a new identical charge-off began when a new account was opened with Honda Financial Services in XXXX. 
I believe Honda Financial Services and American Honda Finance has acted maliciously, which has lowered my credit score continuously and repetitively. 
How can a closed account be closed and charged-off twice? A year and a half between charge-offs for the same amount on the same account for the same vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am contacting you in dispute of the below creditor, Debt Originator : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : Midland Credit Management XXXX Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information. 
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons. 
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. 
XXXX XXXX refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 

On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. 
Attached are several labeled documents to support my claims. 

Thank you in advance for your assistance in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
There were 2 calls ... 
Call 1.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with.. 

Call 2.. agent gave personal information such as social security number address and Birthdate without verifying my identity with the person they spoke with..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
Lending tree says that Inhave several accounts in arrears one of which is a student loan. I have never had student loans. My education was paid for at the time Inwent to College and XXXX school XXXX. They show this from 1998 and have stated they verified it. This is impossible. I have asked for proof which they will not give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: MI

Complaint narrative:
I am being charged with a debt that I do not owe. The collector is IQ Data Systems. I've written them several times concerning the inaccuracy of this debt that is reported to the credit bureau 's. I was laid off of my job in XX/XX/ 2013 and subsequently fell behind in my rent and was evicted from my home in XXXX 2013. I had already paid the rent in XXXX & XXXX which was XXXX I was behind fell behind in XXXX and XXXX and was evicted the first of XXXX. I put down a security deposit of XXXX dollars which should have covered my missed rent. This collection company is alleging that I owe over {$6000.00} which is inaccurate and extortion in my opinion. I don't owe anything to the rental company. My security deposit covered my back rent. I improved the home as I lived there including restoring the backyard, landscaping and repaired and stained the large all wood deck in the back of this Large colonial home. This company has manufactured this debt, it is inaccurate and unfair.

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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OK

Complaint narrative:
Phone number XXXX called multiple times and called family because of alleged debt. They were unable to tell me the original debtor, said it was HSBC, but there were many companies under that label. I was told that mail was sent to an address that I haven't lived at since XXXX. I was told that I made payments until XXXX-I most certainly did not. I asked repeatedly for written documentation of the debt and I would be happy to settle the debt. My request was refused. I asked why it has been all these years and it's just now becoming an issue. I was told that it was the collector 's fault and the original creditor decided to pursue the matter, BUT they could not tell me who the original creditor was. I was told it was a Mastercard, I was told it was a Visa, I was told it was opened in XXXX, I was told it was opened prior to XXXX, I was told that it would be submitted to XXXX county, when I asked why it would be submitted to XXXX county, since the address in question was not in XXXX county, I was told it was a mistake, that it would be sent to XXXX county where the account was opened. All I asked for was a written document of the debt and was denied. This was either illegitimate or they were just being difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

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 2019-11-26 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: CORELOGIC INC
State: OH

Complaint narrative:
My name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : 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 XXXX, XXXX, NY 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, OH 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 2019-11-26 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: LEXISNEXIS
State: OH

Complaint narrative:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : 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 XXXX, XXXX, NY 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, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-ACCOUNT- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.

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 2019-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I fell behind on my mortgage after my payment went from {$1000.00} per month to {$3100.00} per month. It was an adjustable loan modification that expired. I hired an attorney to help me submit an application for a loan modification. That application was submitted on XX/XX/2019 at XXXX. On XX/XX/2019 I received a letter stating the application was incomplete and was missing two bank statements showing receipt of rent or two most recent deposited rental checks. This was a lie by PHH. My attorney confirmed two bank statements showing all rents were submitted with the original application on XX/XX/XXXX. My attorney decided to just resend the same bank statements that were included with the original submission again. My attorney states mortgage servicers will purposely say they are missing items because they want to stall and also increase the possibility I will not comply with their request and then they can foreclose on me stating it was my fault. On XX/XX/2019 I received confirmation my application was complete. Per my attorney RESPA Regulation X requires a servicer to respond to a complete application for loss mitigation within 30 days. The 30 days is coming up on XX/XX/2019. I was expecting PHH to comply with RESPA Regulation X and respond by approving or denying me for assistance. Instead, today I received another letter stating my application is now incomplete asking me for the same items that were already submitted on XX/XX/2019. My attorney says PHH is doing this because they are still trying to get me to give up my house, they have not completed their review in the time period required by RESPA Regulation X and this is their way out of complying with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am victim of identity theft as previously stated before

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 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: OH

Complaint narrative:
My name is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, OH XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. MY CURRENT EMPLOYMENT INFORMATION IS : XXXX XXXX  All other addresses are not accurate. I was a victim of fraud and I need my correct information updated. Please REMOVE/DELETE these addresses IMMEDIATELY : 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 XXXX, XXXX, NY 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, OH 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 2019-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: MO

Complaint narrative:
I have written XXXX XXXX, filed complaints with the CFPB and the credit reporting agencies in regards to this fraudulent account. I did not authorize this account nor did I give anyone permission to obtain credit in my name. This bill does not belong to me and I refuse to pay it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Information that doesn't belong to me is reporting on my transunion 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