vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In reference to account number # XXXX from 11 XXXX open on XX/XX/18 $XXXX  is the amount that is started that I owe to this company. I have filed a dispute with the credit bureaus. That I did not open this account nor is this my account. It was open fraudulent. And with out my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax continually reports my information regarding XXXX XXXX wrong.  I did a dispute on the balance of my credit card.  They fixed that then completely wiped away all records of me having a car loan with the credit union. They do not report the information correctly on the car loan, they let months go by without updating it, but to completely wipe all records of me having a car loan is unacceptable.  I have had this loan with the CU for one year the XXXX of this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
XX/XX/2014 my debt of over $XXXX for medical expenses was reported on my credit. I am a veteran since XXXX years old and I’ve  never had any medical bills because the VA gets billed, not me. So please help me get this off my credit and make the VA pay as they should. Or I could just wait for another 3 years for it to expire. My history clearly dictates that I’ve never paid for medical my whole adult life and this hospital trip, stay, treatment is no different. This is the second time filing a complaint with Medical Data Systems, originally held by XXXX XXXX XXXX.  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 2019-08-19 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NY

Complaint narrative:
A card was opened in my name in XX/XX/2014 -Discover financial services LLCIt was used regularly.I did not use this card. It was fraudulent.On the date it was opened, I was not in the country -I have provided my the confirmation of my flight leaving the US-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: MN

Complaint narrative:
By XX/XX/XXXX I checked my credit report and I found many mistakes in the account with capital one auto loan, I request to the credit bureau and capital one to take care this, apparently my request is not enough because nothing change except a letter state they are not going to change anything since everything is ACCURATE!!!ATTACH proof of the the inaccuracy DOLA BETWEEN THE 3 BUREAUS SHOW XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX  XXXX show as paid but XXXX an XXXX report derogatory, is insulting to got a letter state  "after conducting a detailed review of your account we confirmed cap is reporting information accurately"

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
RE: Amazon Prime card issued by Chase-# XXXX.My part of contract is to use card. Chase's is to issue points. Amazon shows I have no points. Chase shows I have some, 2 different #s. I show many more available on the Chase site.Calling Chase is an excercise in futility. They are trained to obfuscate, intimidate and do nothing. They work hard to waste my time while continuing to ask inane questions. Bottom line. I need to KNOW what points are available and why I can't use them This is a CHASE problem. Created solely by their incompetency and dysfunction and compounded by their bloviating method of not dealing with THEIR PROBLEM. I am not on the Chase payroll and refuse to be further disrespected. This situation must be corrected by the perpetrator, not the victim. Compensation for the time wasted is requested in addition to the proper points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Beginning in XX/XX/XXXX I noticed AWA Collection Agency listed on my credit reports.  I immediately disputed it and asked for validation of the listed accounts.  Since then, I have attempted to communicate with them on multiple occasions.  To be exact, I mailed letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I never get proof that these debts belong to me.  What I have received on 2 separate occasions have been bills.  But never identifiers that prove that I incurred these debts.  I work for a XXXX XXXX company, am well covered and have no medical debt.Since I am getting nowhere with them I thought I would go the extra mile to get some help in once and for all resolving this situation.I've specifically asked for signed documentation and other supporting documentation which they cannot provide me.  They provide billing statements that do not prove obligation for me to pay them.  These 4 negative reporting accounts have destroyed my credit and halt my ability to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
- I was alerted by XXXX XXXX that a debt collection for $XXXX was added to my credit score. I initially did not recognize this debt, but I contacted the collection agency and paid the full amount. XXXX XXXX XXXX the credit agency provided me with "Proof of Full Payment", confirmed that they have contacted the Credit Reporting Agencies, and sent me an email with a letter confirming full payment. This was on XX/XX/XXXXSince that time, I have spent countless hours on the phone, sending fax information, and entering disputes with Equifax. I have sent Equifax all the necessary documentation, the collection agency has provided Equifax with proof, I have spoken with close to 10 representatives from Equifax at this point, and yet THEY CAN NOT CONFIRM THAT I HAVE PAID. So this is still impacting my credit score. This experience is nothing short of gross negligence and incompetence by Equifax. Equifax is making it close to impossible to confirm that I have paid the $XX/XX/XXXXand this is impacting my credit report, taking up countless hours of my time, and impacting my overall mental health and quality of life at this point. After all my effort I am no closer to having this resolved. If you could intervene to make sure I am not being taken advantage of that would be great. I also want to file a formal complaint or even take legal action against Equifax for this. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MD

Complaint narrative:
11 taxpayers paid their tax returns preparation fee through CashApp for a total of $XXXX that I never received. When I noticed I make inquiries through App and received a message that my account was closed for violating the terms. The specific violation was not given to me. Never the less, I followed the instructions to cash my stored balance and it never worked by using a bank account I did not use before; but the message was that the new account was unable to be linked.I sent a letter to the company below in XXXX and I have not received any answer Cash AppXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: MO

Complaint narrative:
Freedom Debt Relief and XXXX XXXX XXXX took $XXXX of my money after they said they settled a debt. I had several credit cards to have settled, they did settle two of them as promised, but then it went south I had saved up $XXXX in my account, they could have taken care of half of my accounts with this but they went after the largest account so they could take my money and get paid instead of paying off my debts. They negotiated $XXXX month payments for like 5 years. Then they emptied out my account for their commission so when the payment was due on the settlement they negotiated. I had a XXXX balance and the creditor withdrew from the agreement.I called several representatives in the company to find out why my account was XXXX yet not one of my existing debts had been paid nobody could answer me. It took me several days and phone calls to have someone finally explain what they did. This was deceptive business practice on their part,they only went after this account as soon as I reached their commission amount in savings andleft nothing in the account to pay the debt. They won’t give me a refund and the lady I spoke to that finally answersWhere my money went admitted they could have handled it better but I still wasn’t getting a refund so I closed my account.After I closed my account I was harassedFor 3 more months asking me where my payment was and that I needed to submit it.My account was closed they still wanted me to send them money. They blamed the fact that I deferred a few monthly payments and that nullified my contract and ability to get a refund. When I signed up I was verbally told by XXXX XXXX that they would work with me, the money in the account was mine and I could use it if needed and I could also defer payment if I had a hardship without penalty but none of that was true.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WATERMARK CAPITAL, INC.
State: GA

Complaint narrative:
Contacted Watermark Home Loans ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX ; XXXX ) in XX/XX/2018 for information on a new 30-year, fixed rate conventional mortgage on a home I was building in XXXX XXXX. XXXX XXXX was assigned as my mortgage broker contact ( XXXX ). On XX/XX/2018 we agreed to a loan for an approximate {$440000.00} total home value with 5-10 % down and a loan amount of {$400000.00}, and I formally submitted a loan application. The total value consisted of a primary home contract with a builder for {$390000.00} and a pool additional with a pool construction company for {$40000.00}. On XX/XX/XXXX after preliminary approval, I locked my rate and agreed to pay a {$500.00} appraisal fee up front. Appraisal was ordered and on XX/XX/2018, Watermark called me and stated that they were retracting their agreement and would not be able to include the pool in the loan, although the appraisal did cover that in the appraised value. They were now offering only to include the {$390000.00} home contract in the loan amounts, meaning I had to now pay the additional {$40000.00} out of pocket if I wanted a loan - and this was two weeks prior to the targeted closing date at that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
In XX/XX/XXXX I filed chapter XXXX bankruptcy. My accounts filed were mainly medical bills, my XXXX XXXX XXXX and some other miscellaneous debts. As I was going through the bankruptcy process, I was awaiting my XXXX to be surrendered as I searched for a new vehicle. Before my bankruptcy was discharged I was able to purchase a new vehicle. XXXX XXXX XXXX. I have been paying a car note of $XXXX since then (XX/XX/XXXX) to current. While trying to do a trade XX/XX/XXXX at XXXX XXXX I was told that my XXXX XXXX XXXX was filed in bankruptcy. I then denied that information and the sales person stated that none of my payments were reported to the XXXX XXXX XXXX. I then contacted the bankruptcy office XX/XX/XXXX and that information of my current vehicle was not found. I then contacted Consumer Portfolio  Services On XX/XX/XXXX and they denied not reporting my payments but they are not listed on my credit report. I can provide visuals of my credit report stating this account being in a chapter XXXX bankruptcy that was screenshot from my cell however, I can also provide eligible documents at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I called this collection agency after haven received a mailed document that I owed money to a previous apartment complex. The amount was erroneous. I wrote them in the allotted time; provided the copy of the lease that showed I had XXXX in deposits that was not being deducted from the balance. In a phone conversation they agreed and advised that they would be sending it back to the apartment complex for review and adjustment. Two weeks later they called my cell again requesting the wrong amount. I advised XXXX if she could read the notes and advise me what happened to the investigation. She could not. Instead she advised me that I didn't need to be so hostile. I was not. She advised me that since I was refusing to pay....I advised her per my letter to IQ at no time was I refusing to pay my bill, I am refusing to pay the amount because it is not accurate. I asked to speak to a manager. XXXX came on the line pretending to be a manager. XXXX advised me there was no investigation going on it wasn't ever returned to the apartment complex for an adjustment and I would pay the XXXX if that's what I wanted but the account wouldn't be considered paid off. He then said let me get you to a manager because I don't like the way this call is going. And put me on hold. In comes XXXX XXXX. XXXX regurgitated the same things her coworkers said. At this point in frustration I yelled out as she kept talking over me!! These employees and this company are disgraceful!!! I have never experienced such rudeness and disrespect or lack of assistance in getting this matter handled. If I don't owe the amount, all they have to do is bring it back to the apartment complex for an adjustment and I would pay the final bill, which I still intent to do on the XX/XX/XXXX. I can't believe that IQ Data is allowed to do business like this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On or about XX/XX/XXXX  i was approve for a loan with wells fargo that suppocely be a total of $ XXXX  and or about XX/XX/XXXX I notice the loan term change from XXXX to XXXX and a new apr change added to the loan and I was Discriminating against because of my nationality -XXXX and race -XXXX by the responder for changing the loan agreement and for charging me more then higher than XXXX with similar loan qualifications

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 2019-08-19 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: TX

Complaint narrative:
Hello,I have reached out to Equifax several times regarding these inquiries by mail and phone. I have also contacted the creditors like I was advised to, and there telling me to contact Equifax, so I don’t know what else to do, here Is a list of the inquiries:Equifax or WHICHEVER CREDIT BUREAUS holding the inquiries XXXX XXXX XXXX XXXX, GA XXXXI am writing to dispute the following information in my file. I recently received a copy of my XXXX credit report. The credit report showed MULTIPLE credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please provide the method by which you verified that I applied directly for credit or gave permission to the following companies to access my credit by way of a signed authorization bearing my signature. If unable to do so, please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit.The FCRA states that the only permissible purpose for pulling someone’s credit is for:A. Firm Offer of CreditB. InsuranceC. EmploymentD. Court OrderThe following credit inquiries are not related to none of the aforementioned permissible• XXXX XXXX XXXX- (XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-XX/XX/XXXX•  XXXX- XX/XX/XXXX, XX/XX/XXXX• XXXX XXXX XXXX (XX/XX/XXXX)•  XXXX/XXXX (XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX)• XXXX XXXX-(XX/XX/XXXX)Please remove these inquiries from my credit report immediately. I have enclosed a copy of my identification card as proof of my identity.Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: PA

Complaint narrative:
two years ago, I went to XXXX XXXX XXXX for a XXXX XXXX. Someone at the hospital put in incorrect billing information at the time. I had insurance that was taken and covered the hospital visit, but the insurance information was never applied to the physician's visit (insurance covered the hospital bill but not the specific physician bill). I had been on contact with hospital billing for a few months after the visit to attempt to get them to apply my insurance information correctly when it resulted in a $XXXX bill I should not have had to pay, but every few months the bill would come back as the hospital never fixed the error. They sol the debt to a collections agency, and every few months since the incident I get a bill from them and have had to try to get insurance or the hospital to step in. My appeal to my insurance was denied due to the time passed, and collections are still continuing to try to collect on a debt that should have been covered by the insurance I pay for. I am now at a loss for what to do- it is negatively impacting my credit score, insurance will no longer pay it, it is out of the hospitals hands and collection agencies don't care that this was due to a billing error I had no control over. I would like to find out what my options are to resolve this. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I leased a XXXX XXXX XXXX and returned the lease on XX/XX/2019 which is 4 days prior to the lease end date. Toyota Financial claims I kept the car two months past the lease end date without paying for the vehicle although I have proof from the dealer which received the car back in XXXX. I never received any invoices for this supposed late return. As a result of their mistake they have ruined my credit and my credit score has dropped by 72 points. I have been trying for the last month to resolve this issue with Toyota Financial and the three main credit Bureaus. Toyota is now admitting they made a mistake but have yet to inform the credit Bureaus. Every time I call Toyota I spend 15-25 minutes on hold and once connected I get a representative that can barely speak english and keeps reading a script. I am no longer willing to tolerate this, my credit score went from 805 to 733 for a mistake Toyota has made and keeps promising to resolve for the past month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Capital Markets Cooporative, LLC
State: CA

Complaint narrative:
My property tax was lowered by XXXX County due to the camp fire.  I have an escrow account with my mortgage company which I did not pick, my loan was sold.  I have been contacting CMC Funding since XX/XX/2019.  Today is XX/XX/19 and they still can not change or fix my escrow account. XXXX County has sent me XXXX check because the mortgage company continues to over pay and will not change my monthly payment amount.  In total frustration on XX/XX/19 I asked them to stop paying my property tax all together.  As of XX/XX/19 they still can not do that and every time I ask for a supervisor I am put on hold and then hung up on. I believe that what they are doing is not only bad customer service, but illegal.

Company response to consumer: Closed with explanation