vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.Q. DATA INTERNATIONAL, INC.
State: MS

Complaint narrative:
I saw this fraudulent debt on my credit report around XX/XX/19. I contacted XXXX, XXXX and XXXX to inform them that this debt was not mine. I filed a complaint with the FTC after reaching out to the name listed on my credit report. When I reached out to IQ Data International, Inc. They informed me that they do not have to prove the debt is valid. I wrote them the letter supplied by the FTC. I submitted the documents requested by the FTC, Federal Trade Commission, to XXXX, XXXX and XXXX. XXXX is refusing to remove this fraudulent debt. This debt is fraudulent due to identity theft. Ive communicated this to XXXX, XXXX and XXXX. XXXX  is the only credit reporting bureau refusing to remove the debt. Ive spoken with XXXX, XXXX, XXXX, XXXX and several others. All to no avail. Theyve treated me unprofessionally and have continued to compromise my credit score to this fraudulent debt. I believe this is personal. I believe the actions of the staff in The Office of Consumer Affairs, at XXXX are intentional, deliberate and malicious. When I call XXXX, I can not speak with any of the representatives. After confirming my identity, I am immediately transferred to The Office of Consumer Affairs where I am treated horribly. The staff play games with the dispute process, open cases, close cases, again and again. Theyve confirmed receipt of the FTC Complaint for fraud due to identity theft and still refuse to remove the fraudulent collections debt from IQ Data International. Their pattern of behavior is unfair, frustrating and tiresome. This fraudulent debt should never have been allowed on my credit report. XXXX is the only Bureau continuing to allow it to remain. I have attached page 1 of more than 10 pages of lawsuits currently filed against I Q Data International.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was placed for collection on XX/XX/17 by midland funding llc. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was placed for collection on XX/XX/17 by XXXX XXXX XXXX. I've never been in business with this company so therefore I don't owe them anything. this company as reported on my credit that I owe them money which is incorrect and have ask for verification and all they return was a letter stating that the account was verified. sending a letter stating account is verified is not in anyway verifying an account according to the FAIR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: FL

Complaint narrative:
vehicle was repossessed but Westlake Financial Service is still reporting a past due on my credit report which is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
The servicing of my mortgage has been transferred to Fay Servicing, according to the previous servicer, XXXX. Fay Servicing should have sent me a letter to facilitate the transfer. They did not. I attempted several times to register on their website, but the website rejected my information. I attempted to call several times, but without an account number that they recognize, they will not put a human on the phone. If they don't recognize my account number, I have no way to pay my mortgage, which is due on XX/XX/19. I have no one else to call, since I don't even know who owns the mortgage anyway. When the payment becomes late, I will be penalized and my credit will be affected. Can you get them to process all the accounts which they now service, but are not even in their database?. By not doing the job they are presumably being paid for they are in effect defrauding both parties to the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I returned my leased vehicle to the dealership that I bought it from prior to my payment due date. This was because I fell upon financial difficulties. Honda finance told me if I returned the car that they would call it a repossession on my report. Until then I had never missed or been late on a payment and this was my fourth Honda. I disputed the dishonest claim of repossession and nothing has been done about it. This is extremely unfair and I feel that it should be labeled properly because nobody repossessed my vehicle. How can the lie be changed?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently had a credit report that showed I had several student loans that had and t to collections and that I owed child support. None of which is true. I have never had any student loans and have never had to pay any child support. It states that I owe {$6200.00} in Va child support and approximately {$10000.00} in student loans. There is also several medical bills that have been sent to collections that do not belong to me. I have never been to any of the medical facilities listed. On my credit report a XXXX XXXX is listed as one of my names. My name has NEVER been XXXX XXXX nor do I know anyone by that name. I have attached a copy of the false claims on my 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 2019-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
*The original amount in dispute is the amount of {$2200.00} for the escrow account as it relates to XXXX  XXXX. This original amount was identified in the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. 
*On XX/XX/XXXX, Mortgagor also began making the first of 36 scheduled Escrow shortage payments of an additional {$61.00} per month, in addition to the previously scheduled regular monthly mortgage payment, so regular monthly payments were not considered not paid in full and thus held in suspense. 
*On XX/XX/XXXX, Mortgagor filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after numerous failed attempts to obtain factual information to explain the shortage. 
*On XX/XX/XXXX, Ditech answered the CFPB complaint. Mortgagor was unsatisfied with Ditechs answer but failed to reply to CFPB by the deadline. Mortgagor called the legal department at Ditech on XX/XX/XXXX, but was unable to speak to anyone on that day. 
* On XX/XX/XXXX, Ditech sent Mortgagor an Annual Escrow Account Disclosure Statement stating another Escrow Shortage amount of {$1700.00}. Mortgagor is currently in a 36 month payment plan for the original Escrow Shortage amount of {$2200.00}, which Mortgagor still disputes as owing.

*There is approximately a 40 day period whereby Mortgagor requested that Ditech cancel its escrow for property insurance ( letter dated XXXX ) and Ditech thereby agreed ( letter dated XXXX ) ; Mortgagor then requested escrow for property insurance be started again ( letter dated XXXX ) and Ditech thereby  agreed ( letter dated XXXX ) ; the original issue remains, however, why the original shortage of {$2200.00} is due and owing, an amount that was noted in the XX/XX/XXXX Annual Escrow Account Disclosure Statement, prior to any of the property insurance issues. Ditech claims it was the property insurance escrow issue on XX/XX/XXXX that caused the shortage. This answer is not satisfactory since the chain of events was subsequent to the original shortage notice date and Ditech has yet to explain the discrepancy. 
As a Mortgagor, I have been frustrated with not only the accounting of our Escrow Account but also the communication by Ditech and the inability of Ditech to show us evidence of a legitimate debt due and owing.

Mortgagor is requesting an accounting of this escrow account and an explanation by Ditech of the original escrow shortage amount of {$2200.00} on XX/XX/XXXX. Mortgagor disputes owing this amount until an accounting and an explanation have been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: TX

Complaint narrative:
SHOWING INCORECT INFORMATION BALANCE WITH 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 2019-05-04 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: TX

Complaint narrative:
SHOWING INCORECT INFORMATION BALANCE WITH 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 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Eagle Accounts Group, Inc.
State: NY

Complaint narrative:
I shared my info that im facing hardship plus my income was below 25k for the years of XXXX up to XXXX. I also have been taking care of a sick parent that been in & out of the hospital plus helping financially as much as possible. I shown all my copys w2s proof of payments insurances and support payments daycare payment housing but at this time i need help real assistance because my credit is taken a mayor hit for some time now. As a young adult at the age of XXXX teen im now XXXX of age having a bad credit history has effected me because im unable to get a high paying job plus my license as a XXXX XXXX XXXX or driven license to work in the industry i once did were i was making close to $ 80k a year i really need this company that reporting to be remove. When i shown all my info with my lawyer they were suppose to make changes to my account and never did by there lack of work in adjusting my account properly it has put my life financially in a downward spiral because of a high support amount that doesn't reflect the law nor does it reflect my current wages nor does it reflect my current agreement. Past amount was XXXX  a month now it increase to 800 plus bring me to XXXX which i cant pay and may need to file for bankruptcy.

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 2019-05-04 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: FL

Complaint narrative:
sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 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: FL

Complaint narrative:
sent multiple letters asking for verification of this account and never received any documents which supports this negative reporting on my credit.

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 2019-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I responded to a promotion on the internet and opened a CitiAccelerate Savings account and opened account number XXX I believe on XX/XX/XXXX. I funded the account with 4 transfers of {$25000.00} each and 1 transfer of {$20000.00} all from my XXXX account XXX on XXXX, and XX/XX/XXXX. The balance on my last statement was {$120000.00}. I spent literally hours on the computer trying to establish access to my account without success, even with assistance from their technical people. Apparently this occurred because I also have credit card accounts with Citibank which conflicted with the savings account, and " the two systems don't communicate ''. This culminated in multiple calls to their help line on XX/XX/XXXX and XX/XX/XXXX. The help line was XXXX and I made the calls from my XXXX XXXX. On XX/XX/XXXX I talked to a representative who said Citibank was closing the account and sending me a check and it would arrive in 5 to 7 business days. When I still had not received the check today, XX/XX/XXXX, I called the same help line and talked to someone named XXXX. She told me the funds were not mine, that the funds for the account had come from another depositor and were therefore not mine. She refused to give me any more information about the status of my funds. I have no way of knowing what became of the funds. She gave me another number to call on Monday but I'm afraid at some point the money may become irretrievable. Hard to believe this could happen with a too big to fail bank like Citibank. This is probably an honest mistake, but at this point I have to assume people connected with Citibank have embezzled my money until proven otherwise.

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 2019-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
I sent a certified letter to Wakefield & assoc. XX/XX/2018 stating I did not owe them anything and requesting proof the debt was mine. They just blew me 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 2019-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
OnXX/XX/2019, a representative called me and told me that I owe them {$1700.00} and I asked them series of questions like what's the debt? can you validate it's me? They said to me, they don't have to answer my questions regarding this debt. if I don't pay they'll sue me and it hit my credit. I never had a {$1700.00} debt with anyone. I'm furious that this is happening!! 
They called again XX/XX/XXXX and I asked the same questions and they hung up in my face. 
I'm not sure what they'll do next. I believe this not to be my debt. If they are claiming to be mine, it's the wrong amount because I have health insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Amex notified me 2 months ago that my account is late with a past due balance. I asked them which transactions made up that past due balance. They said that they could not help me. Being that this is a corporate card, I reached out to my company who after a lot of back and forth via emails was able to identify the transactions. These went back to XXXX and XXXX. I paid Amex for the transactions I could identify. However, I could not recognize some of the other transactions. I called the vendors and asked them for receipts ; however, this being 5 years ago they could not help me either. So, I called Amex several times asking them what my options are, and that I wanted to dispute these charges. Instead of helping me in any way, they also slapped me a delinquency fee of {$15.00}. I have an unblemished credit history always paying my accounts on time. However, they have now tarnished it. The only way to communicate with Amex is by speaking to their outsourced reps residing outside US who have very limited authority and knowledge. They do not have any US based customer care line that I could find. So, I am complaining here. 
If they had brought these late transactions to my account 5 years ago and not now, this would not have even been an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I inadvertently ordered two " samples '' from a pop up ( XXXX XXXX AKA XXXX XXXX ) which apparently automatically registered me for recurring expensive monthly orders. I tried to deal with XXXX XXXX/XXXX but they refused to issue credit for the orders that they sent and I refused. They did agree to stop the recurring deliveries. I called Capital One and the agent I spoke with said he was very aware of this company 's bad practices and when he called them they refused to deal with him. He told me I would have to speak with " Transaction Support Team ''. After speaking with them they must have called AXXXX XXXX because a credit appeared on my statement. But then two days later, XXXX XXXX billed me for even more money. 
I contacted Capital One who kept issuing temporary credits, then debiting them perhaps because the pop up company wouldn't deal with them either or they thought they were duplicates, who knows. Each time I spoke with a Capital One rep they would finally say they understood the issue ( it was complicated because of all the credits and debits, rebills, etc. ) but they would direct me to their " Transaction Support Team '' : who, again, would eventually say they understood the issue but I would have to write a letter. 

The response to each of my letters was a similar form letter saying they had already taken care of it when they had not taken care of anything. I doubt they took the time to even understand the issues since their assumptions about the problem were incorrect. 
The last time I spoke with someone on this " support team '' he assured me that we understood each other ( after over an hour on the phone ) and that all I had to do is write one more letter. He even told me exactly how to phrase my request. I did as he directed and only received a copy of the same form letter in response. I give up trying to work this out with the Capital One " support team ''. I want to cancel the credit card but think it's better that I don't until this is settled and I will not give up until this is resolved properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: H. Kent Hollins, Attorney at Law, P.A
State: KS

Complaint narrative:
Kent hollins law office has threatened via call to try to pursue a debt against me that isnt even in my name. I have informed them many times that that is not my name.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation