vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AIH Receivables Management Inc.
State: MO

Complaint narrative:
See original complaint : AIH Recievables has been calling my father 's office phone, his company phone and his cellphone repeatedly. They are only allowed to call once, and they continue to call several times a week. I don't know if they ever sent a written notice of any debt, because I am not sure what debt this could be in reference to. This is incredibly hard on my father and his company. It is a smaller, start-up type company and they really don't have time to deal with constant, harassing calls. I believe they have violated the FDCPA, due to : the harassing nature of the calls ( over 10 calls made to his office ), the fact that they have repeatedly tried to contact a third party, and because I NEVER provided any number related to my father on my medical accounts. Please let me know how I can move forward in submitting these violations, as this has been very annoying for my father, and myself. 


I originally submitted this complaint and AIH came back saying I was lying despite the fact I have the call logs to prove this. They sent a snarky message back. Here was my response, which I am sure they have ignored : Their claims are wildly inaccurate. They called a place I haven't worked at for SIX years. Again, this is a startup type company that is incredibly reliant on keeping the lines open for actually relevant calls. They called over 10 times and I would gladly pull the receipts on those calls if this complaint can move forward. They clearly called this place multiple times without a response, which is against the law, especially considering NOTHING on my account that was supposedly forwarded to them listed that place of employment or that phone number. They went fishing for a relative, found one, and harassed them. 

AIH is in violation of the FDCPA and they should be reprimanded for doing so. Their harassing way of action and lack of understanding of who they can contact and how many calls they may make is egregious and damaging to my father 's business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: NJ

Complaint narrative:
There are inaccurate debts on my credit report which is hindering my choice of getting housing for my XXXX  and I. I have disputed these inaccuracies for three years, and the credit collections have yet to send me the original contract bearing my signature and what method is being used to verify these false debts. These credit collection companies are not adhering to The Fair Credit Reporting Act. It's been three years that I've been requesting the validity of these debts belonging to me, and they can't verify anything. I DO NOT WISH FOR ANY INFORMATION TO BE VERIFIED VIA E-OSCAR!!! Please speak to real people so that I can get real results!!! These inaccurate reportings are hindering me being a mother and providing housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I pulled my credit report and saw Monterey Financial Services as a collection on my report. I sent them a debt verification letter asking them to provide me with the following proof of debt and that they are allowed to collect : 1. Agreement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he promises to pay the creditor. 3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
On XXXX I received a letter from them that did not include verification of the debt I requested. So I sent a 2nd request to them on XX/XX/XXXX requesting the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
On XX/XX/XXXX their collections representative XXXX XXXX sent me back another letter saying they will cease contact with me and would communicate with my attorney only. I never requested to cease contact, I asked that they provide me proof of debt amount and that they can collect on it which is my right which they refuse to send. 

At this point they are refusing to show proof of who they are and that they can collect. And they are reporting to the credit bureaus that this is a defaulted account which they have not proven the amount on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am XXXX years old and have always paid my bills on time. They never sent me anything about what I owed and this is hurting my credit. 

I have resided at my home for years and have always paid my bills on time. 

Please take this off of my credit. Thank you!

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 2020-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was contacted XXXX XXXX Services and told that I owe {$380.00} for a past balance to CashNetUSA. While I do remember doing business with CashNetUSA at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to XXXX XXXX XXXX and disputing this amount. I am also placing a complaint with the CFPB because I know that CashNetUSA was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SINCE 2019 I HAVE BEEN SENDING PRIVATE NOTICES LETTER TO THE CREDITS AGENCIES, UNFORTUNALLY THEY HAVE NOT ANSWERED WHAT I HAVE REQUIRED FROM THEM AND HAVE CONTINUED COMMITTING FRAUD WITHOUT DEMONSTRATING WHAT IS REQUESTED, NO PROOF OF DEBT, PLEASE SEE ATTACHED LETTERS SEND AND CONFIRM BY GENERAL POST OFFICE BY FORM 3811 FOR THE MOST RECENTLY LETTERS. THIS ERROR MUST BE REMOVED, DELETED FROM CREDIT REPORT IMMEDIATLEY, OR I HAVE TO FILED FOR DAMAGES

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/20 - PAYMENT OF {$7200.00} MAILED UPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 - PAYMENT DEPOSITED - I HAVE A COPY OF THE DEPOSITED CHECK XX/XX/20 - LETTER SENT TO CITI BANK ADVISING MISSING PAYMENT ACCOUNT NUMBER XX/XX/20 XXXX CALLED CITI TO FOLLOW UP ON MISSING PAYMENT XX/XX/20 XXXX CALLED CITI TO FOLLOW UP - WAS ADVISED A PROVISIONAL CREDIT WOULD BE PLACED DURING THE INVESTIGATION HOWEVER NO CREDIT HAS BEEN PLACED AND CITI STILL HAS NEVER CONTACTED ME ABOUT THE DISPUTE. IN THE MEANTIME I HAVE RECEIVED INTEREST CHARGES AND A LATE FEE.

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 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I think there are charges that I have not made on my card because the amount on the card doesn't match the amount of the deposits. I tried checking my online account, but I keep getting an error message and the system will not allow me to change my password. When I enter my username it says my password has expired. When I attempt to change my password, it says " my information doesn't match the demographics ''. I can not get transferred to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
MY HUSBAND AND I MAKE A MORTGAGE IN XXXX WITH XXXX XXXX  THEM XXXX XXXX  SOLD TO XXXX XXXX  AND XXXX XXXX  SOLD TO CHASE. IN XXXX WE PAYOFF THE LOAN WE RECEIVED ALL THE LOAN LEGIT DOCUMENTS WITH THE PROPERTY TITLE LIEN RELEASE AFTER THAT WE DONE WITH LOAN PAYMENTS IN XXXX THIS COMPANY XXXX XXXX CAME TO MY DOOR SAYING THE OWN THE PROPERTY THEY WANT ME TO SING A DEEP AND LIEU BUT I NEVER SING AFTER COUPLE MONTHS BACK AND FORWARD WITH THIS COMPANY THEY SOLD OR TRANSFER THE SUPPOST LOAN TO XXXX XXXX XXXX I WENT TO COURT EXPLAIN AND EXPLAIN AND SHOW ALL MY DOCUMENTS LEGIT AND WE FIND OUT THE THIS LOAN THEY PRESENT IS NOT THE LOAN NUMBER I HAVE AND I PAYOFF SINCE XXXX I BEEN TRYING TO FIGHT THIS SITUATION IN COURT BUT NOBODY BE ABLE TO UNDERSTAND OR HELP ME TO FIND OUT WHAT'S HAPPENED, EVEN THE SIGNATURE ON THIS SUPPOSED LOAN NOT EVEN MATCH THE WAY I BEEN SING AND NOW MY HOUSE IS SET TO BE SALE ON FORECLOSURE ON XX/XX/XXXX AT XXXX PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: AR

Complaint narrative:
I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw child support. I have pulled my credit and I saw child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I settled this account for less than balance due but is considered paid in full. Their policy is to delete from credit report after payment of in full or settled for less than balance, however this account is still on my credit and has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The previous resident must have had a loan with Westlake Financial Services ( I was getting her previous mail ). I guess she has stopped paying her debt to them and I assume they used public records to pull the phone number that is tied to the residence however that number is mine and now I'm getting phone calls for this debt. I have told them numerous times this is the wrong number and they will not stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Today we received a call from a debt collector called IQ Data International. They were calling regarding a supposed debt for an apartment that we rented. The " debt collector '' refused to provide documentation of the debt by mail as requested. They stated that it was already mailed ( never received ) however could not provide a date it was sent on or what the documentation said. When I asked why it could not be sent by mail the person on the phone said " because your the one in collections not me I don't have to do anything that you ask ''. These things to me are unfair and illegal debt collection practices as a company can not refuse to provide documentation regarding a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I have repeatedly sent letters to XXXX, XXXX  and XXXX  regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

AMSHER COLL ( Original Creditor : XXXX XXXX XXXX ) - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I've paid my capital one car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/XXXX I booked a hotel reservation for a hotel called XXXX XXXX in Hawaii for to stay in XXXX, through XXXX, serviced by XXXX. Soon enough, all travels were being cancelled due to response to Covid-19, XXXX shut down it's customer services and had updated their website mentioning all booking may be cancelled. No support services were available ( no phone, email etc ), their website simply had text update to reach out to the hotel directly. Upon confirming with the hotel the reservation was cancelled by the travel vendor. As of XXXX, XXXX XXXX XXXX is no longer functioning. 

I filed a dispute on XX/XX/2020 with Discover Finance a {$910.00} charge by a travel vendor XXXX. The charge was still there, I had no means to directly contact the vendor directly to recover it. Discover Finance at the time was in favor of my dispute. Until my dispute was reversed in favor of the merchant, and the {$910.00} charge was placed back to my account in XXXX. 

The dispute notes from Discover says that the vendor claims I made no attempts to reach out to them to cancel the booking, thus the charge is valid. Discover found this enough to reverse the charge and in my attempt to re-open my dispute they let me know " in order for us to review our options, we will need written documents from the merchant stating that a full refund is due to your credit card ''. I called the support number to attempt to get support on this dispute on XX/XX/XXXX, even though the respondent agreed it should be reversed in my favor, she needed a supervisor to contact me. I was told to wait 48 hours and someone will contact me. I waited two full business days, no one has attempted to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
The EIP Card issued by Money Network Cardholders Services website does not direct me to " How I can transfer money on the card to my credit union? ". 
The cfpb website doesn't have any information through any of its links to the EIP Card. The one source to help me from a cfpb website for transferring money to a personal account leads me to a NOT FOUND page.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
This is related to Complaint XXXX which was closed on XX/XX/2020. 

70 days ago Synchrony Bank acknowledged that a dispute was closed in my favor regarding a fraudulently opened account. I pulled my credit reports today and am still seeing the Synchrony Bank Care Credit account on my reports. This should have been removed. This has now been an issue for 147 days. 

The account continues to show up on my XXXX and XXXX  credit reports as a disputed account. I have had complications applying for a mortgage and a completing a background check for a new job because of this account.

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 2020-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2020-05-27 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: NY

Complaint narrative:
Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back

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 2020-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc.
State: IL

Complaint narrative:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT, I HAVE BEEN STRUGGLING TO HAVE THE BANK OF AMERICA FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT, MY CREDIT PROFILE, THE CHARGES ON THIS ACCOUNT ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO BANK OF AMERICA AND TO XXXX XXXX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I HAVE SENT THEM ALL REQUIRED DOCUMENTS AND PERSONAL STATEMENTS. BUT I FEEL LIKE NO ONE CARES ABOUT THE CONSUMER.

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