vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant & Weber
State: TX

Complaint narrative:
Grant & Weber inc Keeps trying to collect a debt from XXXX XXXX. I dont have any debt with this facility. Upon trying to reach out I determined the establishment is closed. The third party is attempting to collect a fraudulent debt.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: CA

Complaint narrative:
I had an account with the XXXX XXXX XXXX and have always paid by personal check because I do not want automatic renewal. So they do not have my credit card on purpose. At the end of my last subscription I did not want to renew, so I didnt. They stoped delivering papers at the agreed upon end of the subscription date. I later received a letter from ARM Solutions which is a collection agency saying I owe {$34.00} for a paper I never signed up for and never received. So this collection was not for a product received, it was for a future payment that I never agreed to. We called the XXXX XXXX and confirmed that we never renewed so we didnt owe anything. Our account was apparently closed. But Im still receiving letters from the collection agency asking for the {$34.00}. If any damage has been done to my credit due to unjustified collection attempts, I will sure both the XXXX XXXX  and ARM.

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 2019-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a 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 2019-03-19 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: LEXISNEXIS
State: FL

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage company is Ocwen. I have had an ongoing dispute with them for over a year and since my mortgage amount was being disputed by me they refused to accept my payments unless I agreed Ocwen was correct. I filed a complaint with CFPB and XXXX XXXX 's XXXX. Ocwen finally responded to me, CFPB and the XXXX 's XXXX. Their response has generated a new issue and this is why I'm making a new complaint. 

Ocwen is treating my mortgage as if were a negative amortization loan. My home has never had a neg am loan. Furthermore, their response stated that this loan had an interest only feature. It does not. It is a fully-amortized loan. They are calculating the balance of my loan and my monthly mortgage payment as if it were a neg am. They refuse to admit my mortgage is not a neg am and still refuse to accept my mortgage payments because I will not agree to this. As a result, I'm hiring an attorney to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Credit Corporation
State: IN

Complaint narrative:
I recently contacted avant for a payoff on my account. I was told they would mail one and further I could obtain a 10 days payoff at any time on line. 
I did obtain a payoff on XX/XX/19 good thru XX/XX/19. 
I sent a check overnight to avant and they received it and applied it on XX/XX/19 actually effective dating it back to XX/XX/19. 
This did not payodd my loan. They state and I now see that it is required that I schedule the payoff in order the the 10 day payoff amount to be valid. 
I called and spoke to them and they did indicate that a payoff that is quoted on line is not official unless I actually schedule that payoff via check or debit. 
I asked them how do I get a payoff good for 10 days without scheduling that payoff, they said I cant. The only way for the payoff to be valid is to schedule it because they freeze the interest. I dont understand how they freeze the interest because he said it is interest thru XX/XX/19. 
Is this legal? Can they require a payoff to be scheduled in order for it to be valid? Now, because I didnt schedule the payoff, I owe {$30.00} more. 
And if I dont schedule the {$30.00} before I send it in, I will owe more. 
Again, is this legal? Cant I get a payoff without any strings attached?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
This is a personal credit card debt owed by my late husband in the amount of {$1900.00}. He was an XXXX XXXX XXXX veteran who was solely dependent on his XXXX XXXX. When he died on XXXX, XXXX, his XXXX benefit died with him. As his widow, I informed Suntrust of his death by phone and that my husband has no money to pay for it. I was told that I had to submit a copy of death certificate and have it faxed thru the local Suntrust Bank, which I complied sometime XX/XX/XXXX. Together with the death certificate was a copy of the document signed by the XXXX XXXX XXXX stating that my husband was not receiving any XXXX pension since he is only eligible for the health care program. After that I still received a SunTrust collection letter that I ignored since I was told by the SunTrust lady banker to ignore any more letters to collect since this is a personal debt involving only my husband and  that I already submitted the proper documentations. Then just this afternoon, XX/XX/XXXX, I got a collection letter from XXXX XXXX , XXXX addressed to the Estate of my husband which he does not have. I am very much bothered with this because I myself as his widow am struggling to survive and can barely pay my bills on time. A copy of my response to this collection will be provided to you by postal mail. So I need your physical address, pls.

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 2019-03-19 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: Innovis
State: FL

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: ID Analytics, Inc.
State: FL

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a will be filed soon police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2019-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc.
State: IN

Complaint narrative:
My husband and I moved out of our apartment at the XXXX XXXX XXXX XXXX in XXXX of XXXX. We were eight months into our lease, and we had lived there since XX/XX/XXXX. We paid our rent on time every month, we were perfect tenants. We had to move because my husbands job demanded that we move to XXXX. We paid our last moth rent up until XXXX of XXXX. We were told that we had to pay to break the lease even though we were almost done way more than halfway. XXXX XXXX  XXXX XXXX then sent the amount to break the least to MARS Inc to collect the debt. I have paid off 30 % owed to the XXXX XXXX   XXXX XXXX. XXXX XXXX at MARS Inc had threatened that I would be sued and that my property would be seized if I didn't pay the remaining amount. She then denied this, even though the phone system says the conversation is being recorded. I have reported the threats to the manager at XXXX XXXX XXXX XXXX, and she stated that she has listened to the same reports from different people. I'm asking that the debt be forgiven and taken off our credit reports due to the fact that we were almost done with our lease and we have lived there for nearly three years, paid our rent on time and followed all rules, paid 30 % of breaking the lease, and being harassed and threatened for 1.5 years. I no longer want phone contact with MARS Inc, only mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems that the credit report currently shows an alleged credit inquiry by AMEX that is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding neither them or any other entity have the unrestricted ability to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumer 's credit profile history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-19 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
Dear Sirs, Last year, I planned to take vacation starting from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I decided to purchase online, ahead of time, a multi-city flight ticket ( XXXX XXXX XXXX XXXX XXXX XXXX ), a room at the XXXX XXXX XXXX XXXX and a room at the XXXX XXXX XXXX. The total amount of this online activity should be {$840.00} + % interest. I have already made a payment of {$400.00} so far! 
What happen is the credit card company ( Barclay/ XXXX XXXX card ) just sent a {$960.00} statement balance this month which does not reflects the remaining balance of $ XXXX- $ XXXX= {$440.00} that I was expecting! After scrutinizing carefully their bill, I found out that, they added up an imaginary purchase of {$720.00} on XX/XX/XXXX! In addition to this, ( Barclay/XXXX XXXX card ) deliberately did not mail me this statement balance on XXXX and XX/XX/XXXX in order to cumulate their late fees to my bill. All in All, This is pure GREED! I really need your arbitration to solve this issue. 

Extra Information I did the same purchase online, on XX/XX/XXXX, with a different credit card ( XXXX  XXXX ) ; I purchased another multi-city flight ticket ( XXXX- XXXX-XXXX XXXX ) a room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card 's statement balance is accurate! It reflects what I spent from XX/XX/XXXX to XX/XX/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 2019-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Hi, I initially reported all of the fraud on my TransUnion credit report on identitytheft.gov, and according to the FTC 's instructions I sent TransUnion a letter indicating which debts were not mine, and that I was a victim of identity theft. I received a letter from TransUnion indicating that they will not investigate the identity theft and fix my credit report. I spoke to someone from the FTC and they said that under FCRA ( a ) " Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. " I literally fulfilled all of the 1-4, and even provided the FTC identity theft report. According to them in FCRA B, they rescinded to block the fraudulent information. Honestly, I don't know why they did this, and I didn't benefit from this fraudulent activity. My credit is ruined, and my home buying process is delayed due to this experience, and my credit cards have been affected by reducing my credit line. All of this experience has been horrible. Today I called TransUnion customer service due get clarification to this letter, and the agent advised me to get letters from each creditor, and send it to TransUnion. As of date, I have not received any letters from any of the creditors to fix my credit report, and as a private company all TransUnion does not follow FTC rules. Also, under FCRA 605 C, " ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. '' Seriously, how could an identity theft victim receive any benefits? My credit report is wrecked, and TransUnion refuses to follow the law to recuperate 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 2019-03-19 00:00:00
Product: Debt collection — Credit card debt
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: DISCOVER BANK
State: MA

Complaint narrative:
I loss my job XX/XX/XXXX I contacted Discover card saying I am not working and can not keep my payments and being harrass every day with calls and letters and emails.I am. being sued to go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/2019 Via LexisNexis portal site : https : XXXX I requested that LexisNexis Please forward an updated copy of my report to XXXX screening reports within 48 hours. After updated report has been forwarded, please place a freeze on my account, as well as an information suppression. 

Please send a copy of the updated report you sent to XXXX to me as well at the address above 2 days later i still have not heard a response

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Called company to have removed from report/ XX/XX/2017, XX/XX/2017 XX/XX/2017, XX/XX/2017. 
Also have two or three addresses on my report that I never lived at as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
My husband and I bought a used SUV in XXXX of XXXX. I never had any problems paying the loan until I lost my job and moved in the spring of XXXX. I worked with Ally Bank to keep the vehicle. I was told that I had to send a certified check in the mail, and when I did it was sent back. Every time I tried to make a payment with ally they would deny the payment or send it back after I was told to send it. They would have me pay through XXXX XXXX, threaten for the vehicle to be taken, long before I was 60 days past due, I was always in contact with ally bank trying to make arrangements to keep the SUV. The car was repo 'd in XXXX of XXXX. I tried to voluntary repossess the car, but it wasn't picked up for over a month while I kept calling Ally. They would never answer my question as to why it wasn't being picked up. When it was picked up it was XXXX and they knocked on every apartment door because I didn't answer right away because I was sleeping.

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 2019-03-19 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: PA

Complaint narrative:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to Transunion and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for transunion and individual for XXXX. transunion is reporting a monthly payment of {$260.00} and XXXX  is reporting {$0.00}. Transunion is reporting the date opened as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. Transunion is reporting the last reported date as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. transunion is reporting date last active as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. As you can see

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 2019-03-19 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: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX  and individual for XXXX. XXXX is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. As you can see

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 2019-03-19 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: PA

Complaint narrative:
XXXX XXXX is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and Experian but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX and individual for experian. XXXX  is reporting a monthly payment of {$260.00} and experian is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX  is reporting the last reported date as XX/XX/XXXX and experian is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and experian is reporting XX/XX/XXXX. As you can see

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