vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 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: OH

Complaint narrative:
I request that these accounts formally be substantiated data conferred to the major credit bureaus for me, XXXX XXXX with respect to the unverified accounts mentioned below Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after it was acquired. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak Also I have received a credit report claiming that I owe a debt to these companies yet I never seen a single letter prior to the listing of the negative items.Since this is an error I demand that you send me the following proofs. Since I had some issues of fraud I need everything double check and reinvested As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX   XXXX # XXXX XXXX # XXXX XXXX   XXXX # XXXX XXXX/XXXX XXXX # XXXX Please send notice of a cease and desist to all creditors until documentations are properly provided. 
What would

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 2019-05-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dispute 14 inquires on equifax. Only 2 remove. All should be removed as they are not mines. Tired of the runaround with equifax about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Received first correspondence from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. Letter had 3 different addresses. 
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received. 

Received second correspondence from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019  stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received. 

On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation. 

No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement. 

Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I fell behind on mortgage payments in XX/XX/XXXX. On XX/XX/XXXX I attempted to repay the amount I was behind ( approx. {$2500.00} ). I told the bank ( JPMorgan Chase ) that I would have the payment within a week. My wife contacted the bank a week later to make the payment and was told that the mortgage had been sent to the foreclosure department. Since that time I've applied with Chase for a loan modification and they have denied me because of requirements of the USDA loan. I've additionally sought help from XXXX ( Kentucky XXXX XXXX XXXX ), as they have a program that is supposed to provide assistance to individuals like myself who have been involuntarily unemployed ( I was laid off twice in the past year ). It appears that the Kentucky XXXX  XXXX XXXX is no longer in existence. Chase bank has sent me documents informing me that my options are limited to short-sale and/or deed-in-lieu of foreclosure. I desperately want to keep my home as I have a wife and XXXX kids living there with me and we have nowhere else to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
This is what happened with first company XXXX sold to new company and never received notification via mail they are adding g insult to injury doubling the price again read below also refuse to provide agreement with company : Loan was taken out 3 years ago in a used car for acct number ending in XXXX! At start of loan told it was 7 percent interest rate and have only recently when loan is almost paid off been told that all my extra payment went to interest rate which was not what I agreed to! I have requested over and over and been denied copy of signed Car document showing interest rate or my signature acknowledgment! This means that as I got years thought that this loan was being paid off early due now! They are saying that in three years I have only paid {$2000.00} towards principal robbing me of funds, denying me access to file and now selling my loan to a new company who are charging me more with no proper notification and threats on a loan Im paying on! Im confused as to who truly owns this loan notification is not a message in machine to date no letter has been sent showing me 0! They refuse to show me the agreement of purchase and are now angered that Im asking for this and why my balances are incorrect? Charged me for a XXXX XXXX worthXXXX at time of purchase doubled the price on a used vehicle!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NY

Complaint narrative:
I have been in the NACA program for 2 years. I have jumped through every loop NACA requested me to. I followed NACA 's instructions to become NACA qualified to obtain a mortgage. I was recently qualified on XX/XX/XXXX in which I signed the qualification form and sent back to NACA. I was advised between my counselor and the HAND department to put a contract on my father 's house, which I did. I was also advised to pay for a home inspection, which I did {$400.00}. I was also told since I was rehabbing the home I would need architectural drawings for appraisal purposes, which I retained an architect and paid a deposit of {$750.00}. When my home inspection was complete, I received an email from NACA HAND Dept that they were now requiring a structural engineer and construction manager ( which is adding to the cost of my out of pocket expenses and mortgage amount ). I tried reaching out to NACA as I didn't understand the scope of the letter and why I need an engineer. I called the HAND Dept and requested a call back a week ago. Nobody ever called back and if your phone call is not returned within 24 hours, they state to call again. So I called everyday. I was told by a Rehab Specialist ( email is attached ) she would reach out to me this past Tuesday, she never did. I called again on Wednesday and I advised I wanted a call back yesterday as I have been waiting over a week and someone kept saying I'd get a call back but they were negligent in returning any calls and/or emails. I finally spoke w a XXXX XXXX, National Director of the HAND department on Wednesday XX/XX/XXXX. I questioned why I needed an engineer and construction manager when it was going to cost more. I was trying to explain to XXXX the whole purpose of the program was to make it affordable and they make it unaffordable requesting for more and more money to be spent. XXXX then said she is the National Director who is the only one who can approve my rehab loan and that she was denying my loan for my attitude. I advised I would file a formal complaint with the OIG and terminated the call. The entire NACA dept as well as myself was then emailed by XXXX stating she is terminating my contract and kicking me out of the program. She stated in the email that I was unwilling to cooperate when I never said I wasn't willing to cooperate. I was trying to find out the logistics of why now I have to hire more people after I've already hired who she told me to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services XXXX XXXX XXXX, FL XXXX XXXX ARS Collections Inc reported an unpaid medical cost to XXXX  in the amount of {$1100.00}. This was a portion of a medical cost associated with a VA benefits issue which ultimately the VA would not cover. I was only made aware of this in XX/XX/XXXX by US mail from ARS advising me of it and that unless it was settled it would be eligible for credit reporting. Yet it appears that ARS reported the unpaid medical cost to XXXX  in XXXX before making me aware of the problem according to both my XXXX XXXX credit score account and my XXXX XXXX account. 

Regardless, I owed this amount since the VA would not cover that portion of the medical bill. Upon becoming aware of it through XXXX XXXX on XX/XX/XXXX when my hard earned credit score was dinged by 73 points, I immediately contacted XXXX with ARS Collections and paid the full amount on XX/XX/XXXX. In addition, I was told by XXXX at ARS on XX/XX/XXXX that ARS would report the payment and debt satisfaction to all ( 3 )  major credit reporting agencies within 24-48 hours and that I would receive notification of same from ARS in writing within 7-10 days. Neither of those events has happened which I have confirmed with the 3 major reporting agencies and having spoken a 2nd time on XX/XX/XXXX to XXXX at ARS Collections who confirmed that no letter of satisfaction had been sent and that they only reported debt satisfactions at the end of of each month. 

For over 30 years I was a " cash only ' consumer, no credit cards and I had no debts. I owned my home, my vehicles, have always paid all my service providers on or before their due dates. In late 2017 at the encouragement of a financial advisor, I applied for and received an equity loan against my home to establish a credit score which previously was '0 ' with no negative or positive history XXXX a ghost they told me. Since being given the equity loan and having paid that mortgage prior to each months due date, my credit score had risen to just short of 650. Not great but certainly a start in the right direction and credit card companies were just starting to solicit me with offers of guaranteed lines of credit at various interest rates. 

This is the way it is in America today. Middle class Americans working hard, trying to improve themselves while the financial and credit systems continue to beat them down. As as veteran I have always supported my country and believed it to be # 1 in the world. That opinion is changing as I continue to nurture my wisdom in my later years of life with " wide open eyes '' from many years of life experiences and seeing the changing realities of America today.

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 2019-05-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to Equifax in late XXXX. Over 30 days have passed and I have yet to receive a copy of my completed investigation results in the mail. I even sent a follow-up letter a couple of weeks ago, and that has received no response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Applied Business Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2019, Complainant 's letter stating all further communications regarding the alleged debt were to be in writing only and that telephone calls were inconvenient was received by the collection agency. On XX/XX/2019, at XXXX XXXX EST, Applied Business Solutions, via a female collection agent, contacted the cellular telephone of this Complainant, using telephone number XXXX, stating she was calling from Applied Business Services and that it was on a recorded line. I informed the female collection agent that a letter stating no calls were to be made to my number was received by her office and that I intended to pursue legal action. ( I have conferred with legal counsel regarding this matter but have not retained his services. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX Credence Resource Management , LLC contacted me regarding a debt for XXXX XXXX XXXX XXXX for a balance of {$440.00}. On XX/XX/XXXX I sent a verification of debt letter requesting balance owed, amount of debt when received by collection agency, last billing statement including itemization, notice of last payment to XXXX and when account became delinquent. On XX/XX/XXXX Credence responded confirming verification of debt received. On XX/XX/XXXX I received two bills and no further information. The bill was from XX/XX/2019 and XX/XX/2019 no additional information was sent. This is not adequate verification of a debt because it does not reflect balance owed. I would like to report this collection agency for their inability to supply the requested information and request all calls and letters stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hello On numerous occasions over the years, I have inquired with Ocwen in regards to my P & I Payments being improperly applied to the account. 

The reason I have been told by the servicer that I have an adjustable rate mortgage so they can not send me an amortization schedule. 

The interest rate is incrementally being raised ( 4 ) times in which it is quite simple to send along the amortization schedule. In XXXX the rate was 3 %, then in XXXX it went to 2 %, then in XXXX it went to 3 %, and XXXX it is at 4 %, with the final rate change in XX/XX/XXXX to 4.375 %. I have had the P & I interest applied most recently on XX/XX/XXXX {$460.00} ( principal ) & {$790.00} ( at 3 % interest ), on XX/XX/XXXX the Principal payment was {$490.00} and interest was {$580.00} at ( 2 %. rate ) I have all the documents showing that the p & i rates have been all over the place. 

The only actions that were taken by you or the company, are a letter saying they can not provide me an amortization schedule?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/2016 I called Target Red card accounting per their XXXX number provided and asked for the credit card accounts supervisor, I told her VERY SPECIFICALLY 3X that I would be leaving for XXXX on approx. XX/XX/2016 and I needed an EXACT ACCOUNTING of my Target card so I could pay the entire amount off as I would be gone 2 years without any way of receiving or paying any billis that would arrive after my departure. 
I was given a TOTAL ACCOUNTING of $ XXXXusd and paid that amount, in full, on XX/XX/2016. 
2 months later I received notification from my XXXX credit score that my perfect credit score was now XXXX. 
After many calls and absolutely NO help from Target, I found out that my account had been billed for purchases in XX/XX/2016 that should've been known to Target 's accounting and billing department. 
Because of their ineptitude and failure to report an accurate accounting of my account, my credit score was damaged irreparably and created financial hardships for me and a tremendous amount of business problems.

I had to wait 2.5 years to dispute my credit reports and send Target my complaint- which they summarily denied any responsibility. 
Target has since emailed me to say they had mailed a response to my demand for compensation but that was almost 2 months ago and no mail or email correspondence has been received. 
Target is responsible for destroying my 45 year perfect credit for a {$19.00} charge they should have accounted for- causing me financial hardship and business problems not to mention 3 years of terrible credit and the horrendous stress it has caused me trying to rehabilitate my credit and my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
Recently as I viewed my personal file through monitoring system I noticed fruadulant account being reported in the amount of {$2100.00} from CLARK COUNTY COLLECTIONS that does not belong to me I don't have any association with this account. This account is as a result of identity theft as it has been reported to the Federal Trade commission as identity theft. please remove this from my file and all associated accounts through all three reporting companies XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: FL

Complaint narrative:
Attached are documents from XXXX XXXX from a previous complaint. They have agreed to delete all inquiries and negative items on my credit report. Transuion has not followed their orders and is continuing to keep these negative inquiries and reports related to XXXX XXXX on my credit report. I was a victim of fraud and have proved my identity was compromised. With proof of my email, address, you home number and letter stating that. If this matter is not deleted or resolve with Transuion I will take higher matters.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
Good Afternoon, I need help! I'm not sure who else to talk to about this. I was just looking at my Credit Report today I noticed a collection account from a company named Credit Management LP for {$320.00} on behalf XXXX. I called Credit Management LP XXXX and spoke with a nice lady XXXX Employee ID XXXX and when she took down my personal information she said that the alleged debt doesn't belong to me. She said that with the SSN i gave her it belongs to someone by the name of XXXX XXXX XXXX that lives in XXXX XXXX XXXX MA XXXX. Never lived or know that person! She said that she will file a fraud dispute and get this removed out of my credit. I just want to make sure that this fraud account is removed from my file because it's hindering my chance of getting approved. It dropped my score over 50 points.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This Debt collection agency is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful. 
This company is now also calling and harassing my wife, without having any valid information.

Company response to consumer: Closed with explanation