vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
A new collections account was placed on my credit this month by I.C. System, INC., which I had no knowledge of this account. The original collections agency account had a comment on my credit report saying it was from XXXX XXXX XXXX XXXX and a comment stating that was apart of a natural disaster. I have never been effected by or apart of a natural disaster. I have attempted to dispute this dispute this twice. It remains updated as correct. I contacted the collection account and requested proof of this debt. They say this was a medical bill in my daughters name from 2017. I explained that my daughter had 2 different insurance companies that wouldve taken care of any remaining medical bills. They send me on a goose chase to try to contact the original creditors or the insurance companies. Im attaching photos to show she had a secondary insurance of XXXX that wouldve taken the remainder or any medical bill. XXXX should not be coming to me after 4 years. Ive never received a single bill from them nor any statement for anything. This is fraudulent. I will also show the pictures of them claiming this was something with a natural disaster which is also a fraudulent claim.

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 2021-06-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
About 18 months ago I had a freeze placed on my credit reports. For the past several months I have tried to have the freeze removed but to no avail. I do not have the pin numbers for the freeze and the credit bureaus will not accept my answers to security questions even though the answers are common knowledge to me. I have done everything that has been asked of me but the freeze can not be removed according to the 3 credit bureaus. I have not been able to get an application processed for an automobile loan or a housing loan or to be approved to rent housing.

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 2021-06-23 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: DISCOVER BANK
State: NJ

Complaint narrative:
I have this account that does not belong to me and i want it t obe remove from my credit report asap. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation
State: CO

Complaint narrative:
During XXXX, I was granted a forbearance plan by my mortgage lender, Fairway Mortgage Corporation. This was in response to my inability to maintain my flex modification granted by the company in late XXXX. I had previously lost my job and faced a few large expenses. Fairway  allowed a six month forbearance that expired in XX/XX/XXXX. At this time, I was told that I was unable to make any partial payments to reduce my overdue balance, and that I could apply for a new modification, which I did. 

In XX/XX/XXXX, my relationship manager, XXXX XXXX, began requesting various documents from me to understand my hardship, as well as a formal application for the modification, which I submitted. Over the next seven months, through today, XX/XX/XXXX, XXXX occasionally asked me for documents such as paystubs, bank statements, bills from large expenses, and a separation letter from the employer where I lost my job. XXXX was sometimes very delinquent in responding to my emails, while I was prompt in giving her the requested information. At one point in XX/XX/XXXX, she asked me to reapply for the same modification, giving no reason for it, and basically making the previous months ' worth of documentation irrelevant. On XX/XX/XXXX, XXXX emailed me saying that Fairway can approve me for a new flex modification, I accepted, and she said they would get started working on it. On XX/XX/XXXX, I received an email from XXXX saying this was not the case, and that she actually intended to say it was still under review, and that as of XX/XX/XXXX it was denied. The denial reason given was because my original flex modification payments from XXXX had fallen behind by more than 60 days, and that my only options were making a one time payment of the balance, nearly {$20000.00}, or liquidation. 

During this seven months, Fairway did not allow me to make any partial payments, and instead forced me to wait for a decision, one that took seven months. My overdue balance went from around {$11000.00} in XX/XX/XXXX to nearly {$20000.00} in XX/XX/XXXX, making this an impossible option. Again, during that time, Fairway would not allow me to partially reduce the balance. Also during this time, I could not reach the loss mitigation department over the phone, only being promised callbacks within 5-7 business days, which usually never came. There was never a supervisor available either. The only representatives available said they could not handle my loan, and were often just in the collections department. 

I am now left with two unacceptable options, and this is because of the lack of accountability for my relationship manager, XXXX XXXX and Fairway 's policies overall.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from Chase asking me to settle a charged-off and time barred credit card debt by making a payment of less than the original balance. The letter stated that once I made the requested payment they " will reduce the remaining unpaid balance to XXXX  and notify the credit reporting agencies that the account has been paid for less than the full balance ''. I contacted them by phone and they confirmed multiple times that paying the amount requested in the settlement would reduce the outstanding balance on the account to XXXX. I also specifically asked if they would provide me with a XXXX  balance letter and they said they would. After I made the payment and received confirmation from Chase that they considered the account settled I discovered that they had reported the settlement to the credit bureaus as a payment and fraudulently reaged the original balance ( minus the amount paid ). I also contacted Chase to request a XXXX  balance letter and, after multiple transfers and extended holds, was told there was still a balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
As you can see in attached documents mailed to me by Oxygen Recovery they are trying to collect the debt that not only past the statue of limitation but also does not belong to me. 
As per attached lease I was allegedly living at the apartment from XXXX XXXX to XX/XX/2009. 
As per billing schedule all charges and bounced checks were10 years later and after XXXX XXXX of the alleged property. 
Not to mention that Oxygen recovery failed to establish their ownership of the alleged debt .Copy of alleged billing statements and copy of public accessible record ( that by the way I was not able to find in XXXX NY system ) is not substantiate the ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was never late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: OH

Complaint narrative:
HI ERC & XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$9200.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2012 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities 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
Consumer complaint received 2021-06-23 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: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I was scammed by an XXXX company for a website with the total amount of {$920.00}, after a couple of months waiting for my website I never received what my signed contract said. 

Because of that, I started a chargeback with my credit card company Apple Card - Goldman Sachs, and after submitting all my documents with fully evidence of the scam, they decided not to adjust the payment because they just investigated the merchant payment portal that is XXXX and not the merchant behind the transaction ( the XXXX company ). 

This is absurd, and its fully of excuses, this was not a proper investigation and I demand this bank to be held accountable for not properly investigate and always be in favor of merchants even if it was a scam. 

I will be including some emails from the XXXX company blackmailing me for the refund of this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23 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: IL

Complaint narrative:
Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXXXXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX 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 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCB Credit Serivces, Inc
State: GA

Complaint narrative:
Upon checking my credit I noticed an account that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
The property manager XXXX XXXX has tried to collect on debt not owed. After being granted ONLY possession of the apartment she manufactured damages and court cost. I was represented by counsel and the court ordered possession ONLY. It was after my attorney request my security deposit ( {$1200.00} ) and an additional over payment ( {$200.00} ) the falsified damages and court fees. Their clients XXXX XXXX XXXX  was unsuccessful in court and was NOT awarded monies in the judgment ONLY possession of the apartment was granted 30 days after the ruling was give. I was out of the apartment during the court proceedings and have video of the undamaged apartment empty. This is a clear attempt to commit fraud by XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged damages and rent after I was no longer living in the property and there is NO COURT ORDER awarding 1. Attorneys fee, 2. Damages of anything related to the property 3. I was charged rent in XX/XX/2021 and XX/XX/2021 when I have a lease showing I was moved completely out by XX/XX/XXXX which was before we went before the judge in XXXX XXXX landlord tenant court. The court DID NOT order damages or any rent. The property hired a contractor to completely gut and updated ALL FIXED on the property and repair the brokers heat that was the reason I moved. The are trying to make me pay for 5 years worth of basic wear and tear on an apartment. When I moved in 5 years prior my apartment has old carpet and was vacant for over 6 months it was never painted or even had replaced carpet the entire 5 years I lived there and I paid rent 5 years straight never late. If they claimed I owe for anything we need to have a judge order that by fraudulently creating damages and charging rent and his is clearly fraud. We will be forwarding this to the court. And we request proof from the court where these alleged damages were proven and a judgment was granted in their favor.

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 2021-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX + Fair Credit Reporting Act requires by law that all information be reported accurately and fairly. My confidentiality and privacy is being invaded and not respected by any of these companies or bureaus. I never gave written instruction to reflect a hard inquiry. 

15 USC 1681b ( 2 ) - permissible purposes of consumer report.

15 USC 1681a - accuracy and fairness of credit reporting.

15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681b Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

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 2021-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/2021, Midland Credit Management contacted via mail to collect an alleged debt that I now know, according to 15 US 1692, that I do not owe. 

This company violated the FCRA and the FDCPA and the documentation attached will show proof of this. 

I have included as well an Affidavit of Truth ( original signed and notarized ), Debt Validation letter ( original signed ), as well as an invoice so that the company can repay for the debt collected on their behalf that was not permitted being that I, the consumer, am the Original Creditor per 15 USC 1602j ( 2 ).

Also, the information ( address, phone number, account info, alleged debt amount ) obtained from Midland Credit Management for the collection of this alleged debt was never consented by me, the consumer. Violation of 15 USC 1692c ( b ).

The amount total already collected from me that I wish to be repaid is in the amount of {$710.00}, as well as the total for the remaining alleged debt amount due {$400.00}. 

The date the letters and exhibits were sent was XXXX and according to the XXXX tracking receipt, everything was received on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I requested on XX/XX/2021 for an investigation on accounts that are on my credit report. After over 30 days their still has not been any written statement showing and proving the accounts on my credit report are accurate.

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