vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold Credence Management by XXXX XXXX XXXX. I also advised them that if XXXX XXXX XXXX have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an account summary ( ATTACHED ). An account summary validates an amount due, but not validate or verify that the debt belongs to the consumer. They sent me an account summary of charges to validate a debt. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 )  to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Credence Management company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Credence Management to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, no jurisdiction and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: CBC Companies, Inc.
State: MN

Complaint narrative:
The following information listed on my Innovis Consumer Report # XXXX is fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX : XXXX and XXXX XXXX XXXX : XXXX. I never had an account with XXXX  or XXXX XXXX XXXX. Both accounts are fraudulent. The Credit Inquiries and Requests Orhers Can See : XXXX XXXX XXXX-CR, XX/XX/2019, is a fraudulent and unauthorized credit inquiry. The Credit Inquiries and Requests Only You Can See : XXXX XXXX XXXX XXXX, XX/XX/2019, XXXX XXXX, XXXX XXXX  XXXX, XX/XX/2019 and XX/XX/2019, are both fraudulent and unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I called the company to make a payment, which included late fees. 
The late fees were not removed and I was billed for the again. {$280.00}. 
I have since made an additional payment for the regular loan payment amount. I am billed again for the late fees which have already been paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX  because I keep receiving collections notices from various different collectors saying I owe XXXX  money. for years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX  from either lying to me or to get them to call the collection agencies who are reporting XXXX  collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2020 I owed {$350000.00} on my mortgage. I paid the loan off during the month of XXXX through my online portal. My interest was XXXX monthly and it took {$370000.00} to pay off the loan. By my calculations I overpaid Bank of America {$18000.00}. I have made 5 phone calls and spent almost 10 hours on the phone trying to resolve this with them and I feel I am getting ignored. Today alone I have been disconnected 3 times and no one would call me back. They sent me the escrow account balance one day with no closing statements of any kind. That was {$6900.00}. I had no prepayment penalties. Any help in making them be more proactive with this situation would be greatly appreciated. How many other people has this happened to that don't know to be proactive?

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 monetary relief
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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:
MY WALLET WAS STOLEN AND MY IDENTITY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 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: SC

Complaint narrative:
MY WALLET WAS STOLEN AND MY IDENTITY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On XX/XX/2020 I called JC penny to pay off the balance of {$71.00}. I notified them I lost my job due to COVID-19 and that I was waiting for my unemployment check to arrive. I told JCpenny the financial hardship and I couldnt afford to keep the account open. 
I recieved a letter from synchrony bank that is somehow affiliated with Jcpennys credit  system stating they just now closed my account as of XXXX XXXX because synchrony bank ran my credit and determined my credit wasnt worthy, had my credit score on the letter. I payed my balance off with jc penny and had no intention to use this card any longer on XX/XX/2020 due to covid. They ran my credit without permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  continues to report on a closed account that has been paid in full.. And is still reporting this account on all 3 credit bureaus as delinquent every month. This account was paid through XXXX XXXX in the amount of {$66.00}. who I contacted and was told that XXXX XXXX needs to stop reporting to the 3 credit bureaus. and update paid in full. I contacted XXXX XXXX and the customer service told me there is nothing she can do, I need to contact XXXX, I feel that I am been lead around in circles..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello, I have a loan with PHH Mortgage that was transferred. I am in Covid-19 forbearance. They are reporting my account as 120+ days late to XXXX  and it's causing my credit score to go down. According to the cares act they shouldn't be doing this. Please help resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from GM Financial. I cant say this more emphatically, I have never had a GM Financial account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have literally only made two charges with my card since my account was opened. I have tried multiple times to get this issue resolved but customer service representatives were no help. Someone was uses my card through my mobile app.I have tried to get my password changed, but no one can understand me. You can absolutely log into the mobile app and view your card. You do not need a ssn or password!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. 
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold to them ( Southwest Credit ). I also advised them that if the original creditor have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an NOTHING. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life.

As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Southwest Credit company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer. 
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Southwest Credit to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, illegal credit reporting, no jurisdiction and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I sent a letter to your company for help dated XX/XX/XXXX, because I applied a Loan Modification Reduction of Principal in XXXX to XXXX XXXX XXXX because the property decline in value and this is our primary residence.The original Principal balance in XXXX when I bought the property was {$600.00}. The Loan was transferred to Carrington Mortgage Servicing and. I initiate applying a Loan Modification Reduction of Principal I received a Monthly Bill Statement and I am making a payment of XXXX for the month of XX/XX/XXXX and for the month of XX/XX/XXXX {$1800.00}. My outstanding balance is {$330000.00} and I made a total payment of {$340000.00} based on the Statement I received from XXXX XXXX XXXX. The Market Value is {$420000.00} and instead of helping me Carrington Mortgage Services denied my application and close my file and put my property in Auction and sold my property back to XXXX XXXX XXXX XXXX XXXXXXXX and make a profit of {$88.00} XXXX and I did not get a single XXXX. 

I am asking your full and kind consideration to help me please in this matter. Please refer to my letter I sent to your company CFPB dated XXXX XXXXThank you. 

Respectfully yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCSPLUS INCORPORATED
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2020-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My husband and I took a payment deferral from our Wells Fargo mortgage for 6 months under the CARES ACT which ended this XXXX and payments to be resumed in XXXX. We applied for a refinance in XXXX with a different company and was told we needed to have the loan modified and be out of forbearance before proceeding. I called to request this from Wells Fargo on XX/XX/2020 but was told we needed to make 3 payments before loan modification could be requested but that we could pay them all 3 in  full and it could be done sooner and she would send papers which we never got. I then decided to call on XX/XX/2020 to speak with a supervisor who told me that we needed to make the 3 payments on time and they can not be all at once and then we can request a loan modification in XXXX. She said these were the VA requirements not theirs. I then called XX/XX/2020 and asked if we could resume payments early, in XXXX to have the 3 months starting earlier as I was now able to resume payments but was told that the payment would go to XXXX. I then filed a case with Executive Offices and requested these VA requirements be written and sent via e-mail as I have been told by someone with great experience with mortgages and with Wells Fargo practices, that these requirements should be given to me in writing and that they believe Wells Fargo is giving me false information. I would like Wells Fargo practices to be investigated in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: NC

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT.

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