vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC.
State: TX

Complaint narrative:
I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX, XXXXThe Office of the Comptroller of the Currency ( OCC ) today announced an enforcement action against JPMorgan Chase Bank, N.A., XXXX, Ohio, JPMorgan Bank and Trust Company, N.A., XXXX XXXX, California, and Chase Bank USA, N.A., XXXX, Delaware ( collectively, the bank ), for unsafe or unsound practices in connection with the bank 's non-home loan debt collection litigation practices and the bank 's non-home loan compliance with the Servicemembers Civil Relief Act ( SCRA ). The enforcement action requires the bank to provide remediation to affected consumers and to correct deficiencies in the bank 's practices and procedures related to the preparation and notarization of affidavits and other sworn documents used in the bank 's debt collection litigation and its SCRA compliance program. The OCC 's action also directs the bank to improve its debt collection litigation policies, procedures and practices to ensure that affidavits and other sworn documents used in connection with non-home loan debt collection litigation are accurate, based on the personal knowledge of the bank employee signing the documents, or other applicable standard, and are notarized in accordance with all applicable legal requirements. The OCC 's action also directs the bank to conduct a review of all non-home lending debt collection litigation at the bank from XXXX XXXX, XXXX until present, and all non-home lending SCRA accounts at the bank from XXXX XXXX until present, to identify consumers eligible for remediation as a result of the deficiencies and unsafe or unsound practices cited by the OCC. Furthermore JPMORGAN and it 's collectors filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents that were prepared without following required procedures, a practice commonly referred to as " robo-signing. '' These practices misled consumers and courts and caused consumers to pay false or incorrect debt and incur legal expenses and court fees to defend against invalid or excessive claims. The agreement also ensures that Chase will fulfill {$50.00} XXXX in consumer restitution through a separate XXXX consent order reached with the Office of the Comptroller of the Currency. I believe I fall under this criteria being my account was absorbed by JPMORGAN from WAMU during XXXX. And the premium I paid for my card at the time, that had a hardship relief clause for an emergency that if you lost your job. Which was not honored, once the account was taken over. Once it was taken over it was put into collections. And my account was sold and handled by at least three different companies. I know the amount I owed to wamu, was far less than that which I paid in court. By about XXXX dollars. Prior to the lost of my job my account was at XXXX and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The Regional Adjustment Bureau, Incorporated
State: TN

Complaint narrative:
Debt was the result of an identity fraud from a bank

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 2016-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There is a XXXX name affiliated with my credit score. How is this possible, and did this person take out any lines of credit in my name?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: First Data Corporation
State: IA

Complaint narrative:
My wife and I have lived at our new home for 3 years this XXXX. It is a new address in a new subdivision. The only people that have lived at this address is my wife and I. We have received credit cards and letters from credit card dispute departments in someone else 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Roomate took personal id information and submitted online application to American Express ( AMEX ) for credit card. Roomate included his name as an associate account holder-but I was the primary account holder. Roomate is young and thought he was helping his cause of improving his credit rating. Roomate accrued {$8000.00} and has made monthly payments on the account. He has placed money in my checking account and submitted payment through my bank checking. I have been in contact with AMEX on numerous occasions and they always assured they would proceed with Fraud Claim upon my decision. I did not sign nor apply for this account. I believe that the issue should be between my roommate and AMEX. Not me. The young man is making the payments and I would like for the account to placed in his name not mine. If this means, AMEX needs to proceed with Fraud -- then it is their decision to proceed with the roommate. AMEX promised upon each conversation they would proceed with Fraud. I would like for AMEX to proceed with this account and the young man and stop harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX 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 2017-02-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In recently checking my personal credit reports with the credit reporting companies, there is Public Record derogatory that I am challenging as inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law. In my case, the action concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction and therefore not fully satisfied. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's objectives and I am requesting that the CFPB advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
I discovered on XX/XX/2016, during a review of my FICO score, I had been placed in collection on XX/XX/2016 for a debt/account I have no knowledge of. Apparently, a debt collector by the name of Midwest Recovery Systems is attempting to collect on a fraudulently obtained payday loan. The loan, in the amount of {$720.00}, must have been obtained from XXXX XXXX XXXX through identity theft. I have never had any dealings with XXXX XXXX XXXX or Midwest Recovery Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a Tax lein from XXXX county register of deeds that does not belong to me it was reporting on XXXX bureaus i called the County Clerk and verified that i do not and have not had a tax lein in my name. I disputed with XXXX bureaus and equifax and experian removed the lein because it was not valid and could not be validated for that reason. Transunion claimed it was verified. I then went back to the XXXX County Clerks Office and they verified again that i do not have a tax lein and have not had a request for verification of a tax lein from the credit bureaus and even further that they do not report to the credit bureaus at all, At that time i requsted method of verification and transunion did not supply only the fact that it is verified by a third party It is not my responsibility to reach out to a third party so i reached out to the XXXX County Register of Deeds that the Bureaus are alleging reported to my file maintained by them an account that doesnt belong to me. The third party is actually fraudulenty reporting in the name of XXXX county Register Of Deeds. Per my report it is alleged that the data furnisher is XXXX County Register of Deeds but they do not report to the credit bureaus they do not have a data furnishing aggrement with the credit bureaus so it is another entity reporting and alleging that they are XXXX County Register of Deeds. I have asked the bureaus to forward the contract or agreement or any proof that they are recieving to validate this file since I have requested it from XXXX County Regster of Deeds and they dont have anything. I have requested that the credit bureaus investigate this tax Lein on 3 occasions to no avail. they have not investigated nor have the forwarded any validation documents.

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 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
My name My name is XXXX XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with XXXX in my name. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that Midland Funding LLC ( who say the own the account ) provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA 623 ( b ) ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am SO grateful and thankful to the CFPB for your investigation of Ocwen. I have submitted a FOIA request asking for verification of Ocwen 's fulfillment of the XXXX payment requirements of the US District Court consent judgement. 
My complaint ; what about the additional Ocwen victims not covered in the US District Court Consent Judgement who were forced into unnecessary forced bankruptcies to avoid unsubstantiated foreclosure by Ocwen. Forced to spend money on attorney and bankruptcy fees, unsubstantiated costs while in bankruptcy and the consequences of a bankruptcy on one 's record. These victims have not been abetted. 
I think that if I started a blog requesting victims respond I am of the opinion numerous victims would respond. 
When forced to file my unnecessary bankruptcy the bankruptcy judge asked me " why are you filing bankruptcy with only 1 creditor ( Ocwen ) and all this money in the bank. '' I told her Ocwen refused to communicate with me even though I tried calling, emailing, mailing to no avail and that it was a culmination of a 20-year battle with Ocwen trying to steal my home. 
I can tell you if it was not for the CFPB and the Texas Attorney General 's office soliciting a response to my complaint about Ocwen while in bankruptcy, Ocwen would not have followed the provisions of my bankruptcy. They had already operated in the bankruptcy contrary to Consent Judgement Settlement Term Sheet, Paragraph 1 Foreclosure and Bankruptcy Information and Documentation and sent me numerous letters referencing actions and making demands that were contrary to the requirements of the bankruptcy. My complaint, once again what about the victims forced into unnecessary bankruptcies?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NH

Complaint narrative:
After my federal school loans went into default, I was sold by a collection company on a " rehab '' program that would remove defaults and negative information. I was mislead severely, as GSMR had me in several " groups '' with multiple loans, and in one of those groups was a private loan. I had no idea this loan was n't included in my rehab and of course no one mentioned anything. Well 15 months later my private loan was charged off and I only found out because I was denied a mortgage. So I called gsmr and they are n't even reporting the positive payments to XXXX, they have so many redundancies in my credit reporting that it is sickening. They are destroying my life. I have disputed every account over the past 9 months and they fail to update the info and the CB 's do nothing. They wo n't even let me into a payment plan on the charged off loan, they said I ca n't consolidate my REHABED loans because one is subsidized and the other is n't. This is causing my installment balance to be twice the loan amount because of forbearance!!! I am pretty sure they are re-aging my debt as well on the private loan. They ca n't show me the payment that was last made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Yesterday I received notice from my bank about an overdraft. I have been XXXX since XXXX and I have to be sure each month to budget my spending. As far as I was aware my mortgage is {$720.00}, but I have been paying an extra {$20.00} a month because my home insurance went up last year around {$200.00}. My account was drafted {$760.00}. I did not receive an XXXX bill or a letter about my mortgage payment increasing ; therefore, my bank account did not cover my increase payment of the extra {$20.00}. I was charged an overdraft fee of {$38.00}. Today I called my mortgage company, OCWEN to enquire about the new mortgage amount. The OCWEN representative stated it was due to my escrow shortage. I could not believe what he was telling me. On XXXX XXXX, XXXX I received a refund check from OCWEN. I called OCWEN before I cashed the check in order to know the reason I was receiving the {$430.00} check. I was told that they had to send me a refund for the overage in my escrow account. I told them that I wanted to be sure due to the ordeal I went through with in XXXX XXXX. They had claimed my payment was late and sent me threatening letters about foreclosure procedures. I had never missed a payment, or been late on my mortgage. I complain through CFPB [ # XXXX ] & OCWEN took the late fees off & did not report a miss payment to the credit bureaus. 
The representative told me TODAY that I should have not cashed that check and I should send it back. They are trying to ruing my credit. I applied for a HARP loan through OCWEN and was denied because the said my nontaxable income was more than enough to pay my bills. They claimed by law they had to add 25 % to my income for qualification purposes. I do not understand how I could have a {$430.00} overage in my escrow on XXXX XXXX, XXXX and evidently XXXX weeks later, I have a {$250.00} escrow shortage. OCWEN did not send me an XXXX XXXX payment statement or a letter stating an escrow shortage..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I called Experian to remove different address that were listed in my name that are incorrect. They gave me the run around asking me have I used a credit repair company and telling me I need to send in my info to verify that I 'm who I say I am. I verified all the information they needed but since I did n't have report number they could n't remove the addresses for me. This is very hard on me and my family. Identify theft has been happening to me for a very long time. I 'm taking action to sue them in court. They never take a disputed seriously, they will say they verified information but the creditors do n't even have the info so how could Experian have it. Nothing this bureau does makes sense. Please have them remove any negative info off my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I have a US Bank secured credit card with a {$1000.00} credit limit. That is the amount of the deposit I made with US Bank to get the card. While I have had credit issues in the past because of the economic collapse I have recovered from those issues. I have not had a delinquent payment for over 5 years now. All the issues on my credit report are old. 
When I took out the secured card I understood that I could add money to my account at anytime thereby increasing my credit limit. 
Recently I decided to add funds to that account, I contacted US Bank and was told that I could not add funds to that account to increase the credit limit until the account had been open for 6 months. That in order to make that deposit I would have to send a cashiers check, along with information regarding my annual salary and my request would be subject to a them pulling a credit report ( causing an inquiry and affecting my credit score ). I was not informed that I could not increase the credit limit by making a deposit to my account for 6 months or that a deposit to my secured account causing an increase in my credit limit was subject to approval of my credit report and income. 
This is a secured account, there is no risk to US Bank, if I do n't pay the card they have the account to collect from. My increasing the deposit to the account does not increase their risk in any way. 
Makes no sense why I would need to wait 6 months or why I would need a new credit and income check

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation