vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: VA

Complaint narrative:
Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with Defenders/ ADT XXXX It was already established with Defenders and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with Defenders that shows a very clear {$0.00} BALANCE. 

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a Navy Federal rewards card from NFCU back in 2021 I was using the card while I was staying at the XXXX XXXX XXXX by XXXX I received unauthorized charges on my credit card from the XXXX XXXX after I told them not to charge my credit card so I called my NFCU about the situation and has I was talking to customer service on the phone the hotel charged to again so the customer service representative was looking at my account and told me they was attempting to charge it again I said to her stop can you stop them she said no I said why not she said we can't stop authorization a said what do you mean she began to explain that they have a contract with the credit card processing companies such as XXXX  where as any authorized charges have to be paid no matter what and the merchant as up to 6 months to settle I said to her that's not right because the merchant can keep charging your credit card for what ever amount that will authorize on top of the if the merchant don't collect the funds right away then after 5 days the funds go right back on the credit card as available credit then the merchant can authorize it again and again after every 5 days then she yeah unfortunately we can do anything about it the only thing we can do is shut down that credit card and send you out another one then I said what about those charges she will you would have to pay them they Then I told her that wasn't right because your bank is in valuation of the truth in lending law 's because what you just told me is not anywhere on the contract I signed when I received the credit card she said no it is not that information is not provided no where on the contract then I said so how can you charge someone for these charges she said nothing. I think it's unfair and predator for this bank or any bank to do these types of practices and I don't think I should be liable for these charges. The card balance was {$5000.00} and I was charged over {$7000.00} in unauthorized charges due to this banking problem that violates the truth in-lending law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: AL

Complaint narrative:
I asked for a validation of debit and was sent a full medical bill which is a violation of Hippa! It had exact procedures when I know about the Hippa law and I know I didnt go to the hospital nor sign a Hippa release form giving permission to let a debit collector get my medical records!! I am behold disappointed and plan on hiring a legal team for my pain and suffering!! This is the only negative item I have on my credit! Im very upset and have been battling this for over a year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened up a Citibank Checking Account through their website to take advantage of an offer they were having where if I deposited {$15000.00} they would give me {$400.00}. 

Currently, that offer is the same right now on their website, deposit {$15000.00} but this time, it's only a {$300.00} bonus. Either way, the fine print is the same. 

So after a few months of not getting the bonus, I reached out to them to see what was going on. They responded with the attached document that I saved. The customer service representative after looking over my account verified that I would receive the bonus on XX/XX/XXXX. 

" XXXX : as i see you have funded the account on XX/XX/XXXX so you will receive the bonus on XXXX XXXX, XXXX '' XX/XX/XXXX came and went and so I messaged them again and they said that they are denying my bonus. 

My husband did this exact promotion at the exact same time as me. He got the bonus. I didn't. I don't know why they're refusing to pay me the bonus that was per their terms and conditions. 

I was going to attach their reply to me but for some reason they deleted it on my 'secure messages '. Not sure why. It was case # 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 2022-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Unauthorized charges showed up on my bank account. The first one for XXXX then XXXX then XXXX. So I closed the card and disputed the charges. I got an email saying no error no funds would be given back in 1 day. No investigation. You can clearly see they were testing it by doing low amount then going larger. They just let someone steal my money with minimally investigation. I have XXXX kids to feed with that money. Banks are insured to protect the clients but they just let someone steal my money. I told them I am appealing and filed a complaint with XXXX I am livid. I no longer feel safe with this bank after this I will no longer use them. I am contacting the news. XXXX warning everyone that this bank let people steal your money and does nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX  Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXX XXXX  shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX  XXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-27 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
My account was on automated pay. My banking account was deemed closed by their systems but was not the case. I wasn't notified that my account was pasted due. A late payment was placed on my credit report due to their mistake. I spoke with countless account managers at least six times over the last month. First contact was made on XX/XX/2022 and no action has been made. I still have a negative item on my credit report and I need it removed due the company 's negligence and it is deemed illegal to report late payments one 's credit report, stated from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: VA

Complaint narrative:
Please reference previous complaint ID XXXX against XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX continues to engage in deceptive business practices, as they have apparently sold our " debt '' to another agency, Tate & Kirlin Associates , Inc. Tate & Kirlin Associates , Inc. is the subject of this new complaint, as they are now engaging in harassing techniques to collect a " debt '' we DO NOT OWE. A letter was sent to the home of my parents on XX/XX/XXXX stating that we owe {$1300.00} for an account with XXXX XXXX XXXX It was already established with XXXX and XXXX XXXX XXXX, XXXX. that there is no debt and we do not owe anything to anyone. 

Today ( XX/XX/XXXX ) I called Tate & Kirlin Associates , Inc. to let them know, and they easily located the account and verified my full name. They then refused to help me unless I provided my date of birth and new mailing address. I am obviously not going to give this information to anyone I don't know over the phone who is engaging in false debt collection practices against me. The man I was speaking to stated if I was not willing to give this info, he would not help me and hung up. I'm certain they will continue to harass my extended family for debt we do not owe. I can only assume this is just the beginning of a harassment journey with Tate & Kirlin and I am not going to put up with this again. 

At what point will this false debt stop following us?! Is it illegal for XXXX XXXX XXXX to pass " debt '' on to Tate & Kirlin knowing the case was closed and we don't owe anything? Is it illegal for Tate & Kirlin to attempt to collect on a debt they know we don't owe? I'm assuming they are in possession of our contract with XXXX  that shows a very clear {$0.00} BALANCE.

Letter from Tate & Kirlin is attached. I don't know who I spoke to there today, but it was a man at XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

They also have neglected to list the creditors on my XXXX report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

They also have neglected to list the creditors on my Equifax report for XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX, DEPT OF ED/XXXX  Account # XXXX, XXXX  Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.

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