vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC
State: FL

Complaint narrative:
Bay Area Credit Service is trying to collect a debt that was paid off almost 3 years ago in XX/XX/2018. My Insurance paid off part of the amount and I paid off the remaining balance to Bay Area Credit. 

They are still trying to collect on a full amount as if my health insurance did not pay anything. I have the receipt from back in XX/XX/2018 when I paid what I owed. As per the EOB ( attached ) the total I was responsible for was the Total ( {$530.00} ) - Provider Discount ( {$190.00} ) = {$340.00} The receipt from them, Bay Area Credit, clearly states I paid it. Yet they have still not taken it off my XXXX  credit report and are also trying to collect the full amount of {$530.00} and not the correct amount after my insurance provider had already paid {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
My automatic payment submitted by a check from the bank was damaged at the mortage company and they say could not be read. They sent it back to me about a month later, informing me that I had incurred late charges due to my non payment. 

I made repeated calls to them and they agreed to reverse the late charge, yet they did not and further more dinged my credit report by XXXX points. My XXXX score is now XXXX. I have made repeated calls to them and they all say they will reverse the issue, but they don't. 

I have attached a copy of the original check that was returned, along with the letter XXXX XXXX, 2021 almost three weeks after the check was received.

Please help me.

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 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
Lewis McDonnell & Associates XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX / Lewis McDonnell & Associates are Reporting Inaccurate and Fraudulent Debt Amount on my Credit Report. I reported this to the CRA 's and directly to the company. I requested a Complete Account History of Account Opened, Purchases, and Payment History, necessary to verify legal accurate information. The Account History was not provided and inaccurate information is being reported by company and CRA 's. 

I authorized XXXX XXXX to take monthly payments from my bank account. XXXX XXXX took multiple unauthorized payments out of my bank account several times a month causing additional overdraft fees. I had to close my bank account. I called into to pay off remaining balance of {$200.00}. XXXX XXXX refused my payment and demanded my bank account information. I tried several times to pay off the {$200.00}. and my payment was refused. XXXX XXXX / Lewis McDonnell & Associates are reporting to CRA 's that I owe {$1600.00}. and refuse to provide account history. They are committing acts of fraud and inaccurate reporting they are not being held responsible by CRA 's. 
A complete Account History must be provided for burden of proof in establishing the Validity of Legal Reporting Accuracy. 

Submitted Under Oath & Integrity XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
My father, XXXX XXXX, passed away in XX/XX/XXXX and had/has accounts with Chase Bank. Prior to passing he added myself and my brother as beneficiaries to his account to make things easier for us as he was battling XXXX and knew he did not have much time left. Chase is now refusing to release his funds due to a mistake they made when adding my brother as one of the beneficiaries. They released half the money to me on XX/XX/XXXX since I was apparently added correctly. They refuse to release the other half to me or my brother so that we can close these accounts out. Most recently my brother went into a local branch on XX/XX/XXXX to try to resolve the issue after not hearing back from the branch manager for 2 weeks - the response was " you should have received a call '' which seems very unprofessional - but they were unwilling to resolve the issue. We can not get a straight answer on how to resolve the issue so apparently they plan to keep the money. Obviously with my father being deceased he can not go into a branch to fix this issue. This is extremely frustrating and all we want to do is to close out the accounts - we provided the death certificate which clearly lists my brother as his son, so it makes zero sense why he is not able to withdraw the remainder of the funds. This is obviously a painful time in our lives and Chase is just compounding this by refusing to help in any way or provide a path toward resolution. Each person we speak to provides a different answer and keeps referring to their Legal department but the " answers '' keep changing and have provided zero resolution. All we want to do is to withdrawal the money and close the account so that we can move forward but Chase is keeping that money - the actions of Chase Bank are very dishonest and seem to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: NV

Complaint narrative:
Unfortunately I've been trying to dispute false information with my credit reporting company Transunion but have been given nothing but the runaround. I've sent in all the information needed on XX/XX/XXXX ; Drivers license, social security, marriage licenses, divorce documents, seperation documents, birth certificate, and typed letter with further information as to what is mine and what isn't. Even resent to the email today XX/XX/XXXX given by Transunion more then once. I pay for services online with Credit Bureau but, can not use their online dispute center because they have combined my info with another girl who lives in California. I am not the only person suffering here, she is as well. I have gone through this battle before with XXXX back in XX/XX/XXXX. The Consumer Financial Protection Bureau helped me get XXXX to perform their job properly. I hope that will be the case with Transunion. The credit bureau has all the information needed to make adjustments. I shouldn't have to call numerous times ; which I have. To fix a problem that they created because they failed to verify information and do their job properly. If it was just me I could deal with the long drawn out process. But this error on their part is effecting my family. No loan provider will touch my credit because of what they let happen. No loan, no house. I will not stand by while my family suffers because of them. Please help me Consumer Financial Protection Bureau ; 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 non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: CA

Complaint narrative:
Checked is reporting in correct criminal judgements on me. None of them them were true to fact. I wasn't convicted of driving under the influence. I never plead guilty I never had a paraphenlaia charge. SOMEONE used my driver 's license to register their car and I kept getting arrested for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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:
XXXX XXXX, XXXX, XXXX  XXXX Inquiry from XX/XX/2021 This inquiry does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: IL

Complaint narrative:
XXXX  AND EQUIFAX ARE REPORTING A HARD INQUIRY FROM XXXX  XXXX ON XX/XX/2021 after XXXX  XXXX sent letters out to these companies for the inquiry to be removed. Attached is a letter from XXXX  XXXX telling XXXX  and EQUIFAX to remove this inquiry. Also attached is proof these companies are still reporting this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: CA

Complaint narrative:
I have recently discovered that Equifax ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX XXXX ( auto finance ) on XX/XX/21, another inquiry from XXXX/XXXX XXXX ( Miscellaneous ) on XX/XX/21. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
I have made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Global Lending Services LLC
State: VA

Complaint narrative:
I paid off my vehicle on XXXX 2021. I paid {$5600.00}. I was told that I would receive my title in the mail within 45-60 days. It is now XXXX. I have called global lending services several times and have been given the run around as to why the title has not been sent to me. They are now saying that I need to do a lien release and go to dmv. Thats not the proper procedure. If I paid my money, then they are supposed to release the vehicle title because I am the sole owner of the vehicle now that it is paid off. This behavior is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I requested documentation, showing providing proof of this claim over several months ago and received not response, also this was removed from my credit and recently place back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
I submitted a PSLF form in XX/XX/XXXX I called XX/XX/XXXX Fedloan said they were still processing and were waiting from Federal Student Aid for Employment certification. I contacted the Federal Student Aid and was told that was not true in fact Fedloan handles all ends of the certifications. 

This created distress and further anxiety as I never know what form will work for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This was fraudulent accounts open in my name i contacted the original creditors and i was told they did not report this to Equifax on XX/XX/XXXX XXXX i wrote to equifax to have these fraudulent accounts removed on my credit. they wrote me back saying these accounts came back verify as mine? 

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX  XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$61.00} Amount {$61.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX  PA Date Assigned XX/XX/XXXX Original Amount Owed {$54.00} Amount {$54.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX  XXXX TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FLORIDA HOME TRUST MORTGAGE

Complaint narrative:
The bank Facebank, since XX/XX/XXXX, has decided to freeze my funds ( {$2700.00} ) without notifying me of the product of this action, internally they do not handle the same information for my case, both the Call Center staff and the Account executive do not know be accountable for what happens. 
I have endured all my movements and operations and to this day I have no information or solution to the case, I don't even know what is the cause of the withholding of my funds. 

It is very striking that the funds according to the bank are frozen and on the bank 's website they appear as available and incidentally it was possible to carry out an exchange rate operation with a commercial ally of the bank ( XXXX  ) and then they made the decision to reverse the operation already released generating chaos in the payment platforms and reputational and monetary damages with those involved in the operation, that is, there is a significant security gap and coherence of the information in this type of reconciliation or direct debit transactions. It is important to note that the exchange operations between Facebank and XXXX largely come from previous operations of the cryptoactive type. 

The worrying thing about this case is that the bank has not ruled with any type of information about this case, leaving the account holder clearly affected with all his commitments. Another worrying and misinformation element is that the terms and conditions that were once accepted by the bank 's holders are no longer available on the bank 's website and are not known to the call center employees either. This clearly makes it difficult to follow up on the current situation and I believe that legally this information should be at the hand of the bank 's owners. 

the bank 's website is : https : //facebank.pr/ and today XX/XX/XXXX it can be seen that the bank 's terms and conditions are not available for its holders or account holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Mitigation Services, Inc
State: VA

Complaint narrative:
This complaint is against XXXX XXXX who works for Professional XXXX XXXX XXXX in XXXX Florida. Mr. XXXX became involved XX/XX/XXXX to help resolve a dispute we had with XXXX XXXX. XXXX XXXX put a new roof and siding on our home in XXXX after a hail storm. They did not complete the job as promised with many punchlist items left ( debris etc ), put the wrong color roof on and performed shoddy work on the siding ( siding started falling off within a year ) as well as wrong size downspouts etc. For this reason, we did not pay the remaining {$19000.00} of a {$55000.00} job. They contacted Mr. XXXX who negotiated a settlement in XX/XX/XXXX between us and XXXX. We agreed to pay almost all of what was owed and we set out a payment schedule. There was nothing signed other than an email from us agreeing in the email to pay the monies and to make every attempt to pay within the time period we set out. We made the 1st several payments in a timely manner but had trouble paying the remaining {$2400.00}. We emailed Mr. XXXX that we would pay {$1200.00} asap and the remaining {$1200.00} within 2 weeks. That is when Mr. XXXX emails became threatening. He threatened legal action on us if we did not submit payment in full within 24 hours. I reminded him that this was a payment schedule that we came up with and we never signed anything stating that we had to pay in full by that date. His emails became more XXXX and when I suggested that I may file a complaint against him, he became very angry and said that we were in breach of contract and that he was going to file an immediate lawsuit. My husband and I both then took time off work to scramble and come up with the full payment ( which negatively affected other financial obligations ), which we then sent that day to Mr. XXXX after which we never heard from him again. In addition, Mr. XXXX repeatedly called me on the phone between XXXX and XXXX even though I specifically asked him to email so as to keep a record of the conversations. In his phone calls he threatened legal action ( even though we made it clear from the beginning that we had every intention of paying but felt the amount we owed was too high based on all the shoddy work ). I will attempt to attach the email chain between myself and Mr. XXXX. Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC
State: UT

Complaint narrative:
My name was forged when they tried to serve me. I tried to contact it was a XXXX XXXX Clerk, who knew nothing of this. The serving person Committe fraud I told them, they could care less. They just move forward tying to intimidate me. They took my taxes for XXXX and break the law at every chance to get money. I tried to settle after this and would not move forward. Im having all my rights trampled on by this debt collection law firm Machol & Johannes XXXX CO. There abusing all my rights and are committing criminal acts with no care in the world.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Apparently someone used my SSN and name to gain a loan. This loan was provided without my authorization as I required whenever my credit credit is checked. A collection agency XXXX is trying to collect payment on this debt that is not mine. I contacted them and the company who provided the loan and also provided a police report to the collection agency. I received a second letter saying the debt is valid and and verification of the debt with a copy of an agreement. The names on that XXXX LA agreement are not mine. Agreement is attached. XXXX Louisiana is associated with Citizens Bank for the loan. I again called XXXX who seem to think this is still my debt. I called Citizens One and spoke to a supervisor who said she was sending it to the highest level for them to contact me. They have not done so. My concern is that this will affect my credit score. Furthermore I am taken aback by the fact that my name and SSN is enough for this lender to decide to provide a loan without my required authorization and then attempt to hold me accountable. The bank should be held accountable for my inconveniences caused by their poor loan practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am a victim of identity theft. The account was opened by someone in XXXX XXXX Texas which is around XXXX miles from my house which we have owned since XXXX. The account was opened around XXXX. The original account was from XXXX wireless and later transferred to Jefferson capital systems. The amount owed is XXXX. I contacted XXXX as soon as I saw it and tried to get it removed. I have tried to work with Jefferson capital and they have made me reduced debt offers but are still over a XXXX dollars.

Company response to consumer: Closed with explanation