vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: GA

Complaint narrative:
I have submitted a police report and FTC Affidavit to TEK COLLECT via Certified Mail # XXXX XXXX XXXX XXXX XXXX. 
I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account IS a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I HAVE NEVER RECEIVED ANY SERVICE FROM XXXX XXXX When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ XXXX XXXX } authorized XXXX XXXX as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ I have no idea who TEK COLLECT is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. TEK COLLECT is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

5. Provide the delegation of authority from the Director of the Office of Management Budget to TEK COLLECT, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: PA

Complaint narrative:
I have never applied for an auto loan with XXXX XXXX, this is a fraudulent account reporting on my credit profile which is violating my rights under Fair Credit Reporting Act 15 U.C Code 1681. This Fraudulent account is hurting my ability to obtain credit because my credit report is not updated accurately. I didn't give Equifax the right to furnish my consumer report to XXXX XXXX. Equifax is a third-party corporation, and I didn't give them permission to use or communicate my information with any third parties under U.S. Code1692c ( a ). I am demanding that XXXX be remove from my credit file immediately. 
I will be seeking statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Bought Washer, dryer and accessories at XXXX XXXX on the weekend of XX/XX/XXXX the order was confirmed XX/XX/XXXX, total {$1800.00}, estimated delivery XX/XX/XXXX. The order confirmation was split into two orders, XXXX for the accessories XXXX ( washer & dryer ) and ( XXXX ( accessories ). I financed the order using Affirm which was offered directly by XXXX XXXX website. I received my confirmation from Affirrm on XX/XX/XXXX and a second email with payment schedule on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX on the XXXX that my order was not available and they would notified my when the items were ready for shipment, on or about XX/XX/XXXX I called XXXX XXXX and they said they would have next update from the plant XX/XX/XXXX but not to worry because I had not been charged for the purchase, they don't charge until the item ships from the factory. However Affirm has me on a monthly payment schedule starting XX/XX/XXXX for {$300.00} per month due over the next 6 months, failure to make payment results in the full amount of interest being charged on the load. I received another email from XXXX XXXX pass on the XX/XX/XXXX stating the washer and dryer won't be ready to ship till XX/XX/XXXX. I called XXXX XXXX XXXX and canceled my order and asked for a refund, they refunded the accessories but not the washer and dryer as they had not charged for them yet. I followed the Affirm instructions for filing for a refund by contacting XXXX XXXX pass XXXX more times, the second time they provided a return receipt for the accessories and a email stating the order had been canceled, they said they could do anything about Affirm as they not charged for the washer and dryer. I obtained Affirms phone number from XXXX and called to resolve the issue, they said they had to wait for XXXX to process the return for the washer and dryer and advised me to continue paying on the loan or I would be charged interest on the full loan. I called XXXX back and they said the would send an email to Affirm letting them know that the order was canceled but that is all they can do. At this point I have purchased a washer and dryer from another company and am out over {$500.00} dollars with another {$1300.00} in payments and can't get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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:
I asked Transunion to verify an account placed on my credit. The company 's name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  amount asking {$140.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C. 1681 604 A It also states a consumer reporting agency can not furnish a 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 2022-07-23 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: DE

Complaint narrative:
I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX TRANSUNION OR XXXX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

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 2022-07-23 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: DE

Complaint narrative:
I WANT THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681B I DID NOT GIVE XXXX XXXX OR EQUIFAX AND WRITTEN CONSENT TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT TO MY RIGHTS AND I AM VIOLATED I AM DEMANDING A DELETIONS OF THESE ACCOUNTS OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
these people know that it was fraud and they continue to harass me. I told them not to send me any literature any mail. They are violating my rights. This is fraud and the bank knew it was fraud and Im talking to the bank regarding this issue. They keep sending me stuff they are violating my rights. When I tell them to stop sending me stuff they should stop automatically. Im seeking legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I contacted Ally bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.

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 2022-07-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX  XXXX 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 connot furnish an account without my written instruction.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried several times over the last XXXX months to obtain my credit report from Equifax on its website. I get the error code " XXXX  '' and told to contact Equifax by phone. I did this immediately. I was told I needed to fax my social security card and driver 's license to XXXX. I did so the same day ( XX/XX/2021 ). A week later I received a postcard in the mail from Equifax stating " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : -You have not applied for credit recently. -You have not actively used credit in the past XXXX years. -You have not lived in the United States or have not been issued a U.S. Social Security Number. '' And they also say to contact XXXX and XXXX. I do not have any issues with XXXX or XXXX. I am able to access and have credit scores with XXXX and XXXX. My two credit card companies tell me they report to all three bureaus. 

I have two credit cards and I'm a US citizen with a SSN. This is preventing me from obtaining a car loan through my credit union because they pull from Equifax only and they receive a fraud alert on their end when they try to pull my report from Equifax. I have called Equifax numerous times since and I am told the same thing EVERY TIME. They tell me they haven't received my documents and to resend them. How has Equifax not received my documents but yet they send me a postcard every time stating they are unable to locate my credit file?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC.
State: AZ

Complaint narrative:
I was scammed and contacted the bank with all info, including reports, account name and details and the bank did nothing to reverse transaction, or press charges to the account holder even though they had all information, police, ftc, fbi, cfpa. Reports. The bank aloud a criminal to steel my money, a wire of $ XXXX to the account of XXXX XXXX. At XXXX XXXX XXXX., They could of returned my money and instead ignored me and criminal activity.. I am a victim and have been discriminated against by the duty of the bank not doing thier job, I will not stop till I get my money back, the banks need to be held accountable for taking no action to reverse my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2002 while checking to confirm my two Citi credit card accounts were linked, their website identified a third card that could be linked. This was a Citi Bank debit card with only the last four numbers shown. I first called the CITI credit card unit, after 20 minutes they informed me they could not find this card nor explain why it shows up on the website. They transferred me to a banking unit. After another 20 minutes the representative told me they could not find any card and gave me the number for their retirement unit. After waiting another ten minutes to actually speak to someone, the representative there informed me they could not help me nor explain why this card is showing up. She then told me that I would have to speak to the Credit card unit. I asked her to connect me to a supervisor, which she agreed to do. After another 20 minutes I was connected to the general line which then disconnected. I then called customer service again and once again was supposed to be connected to a supervisor but was disconnected. I subsequently called again and after a failed attempt to help me connected me back to the CITI retirement unit. I spoke to a supervisor who was able this time to find a closed account, but did not find any debit cards. He was still unable to explain why your website indicated that there was a debit card that could be linked. After spending over one and one half hours on the phone and speaking to eight different people, and being disconnected several times I gave up with no resolution to my problem regarding the Debit Card. I sent my complaint via e mail to the CEO of Citibank but did not get any response. I am writing to you with the hope that you can have the appropriate person contact me by phone or e mail, and explain why your website shows that there is a debit card when none of your service people or supervisors can find one.

After several emails from CITI that only confirmed what I knew from the beginning, that this Debit card was part of a now closed retirement account. Citi still failed to remove the card from their website. When I notified them that the card was still listed they sent me a followup email.

I have recently been emailed with directions to yet again call CITI retirement customer services to get the card removed from their website. This is the same customer service that was unable or unwilling to help me get this debit card removed from their website. I do not want to wast more time on the phone with their customer service having to start my complaint all over again.

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 2022-07-23 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: CA

Complaint narrative:
I contacted XXXX bank to open XXXX savings accounts for my children. They ran a hard inquiry on my credit. I didnt apply for any kind of credit services only to open savings accounts for my children. Ive contacted them multiple times and they say theyre addressing the problem. They have not. On multiple occasions theyve just hung up while I was waiting to speak to a manager. Happened again just now.

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 2022-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I was given an opportunity to pay 1/2 of my fees on my account and the other half would be waived. After completing the requirements of paying the first half, PHH Mortgage waived the 2nd half/balance. The next billing cycle my account has an unknown fee assessment of {$470.00}. No explanation, no letter nothing. It was added to my mortgage payment and due immediately. When I called in to speak with someone XXXX ( the representative ), couldnt tell me what the fee was for. She went on to say the amount wasnt for property inspections because the numbers didnt add up. I then asked for a supervisor. She asked me why did I want one. I said to find out whats going on. She proceeded to lecture me about what paperwork I had signed. I explained that I am supposed to be notified of any fees assessed and why. She continued to attempt to lecture me, never giving me a supervisor, never telling me what fee is for. Its as if they tricked you into paying at least some of your old fees, telling you they waived the rest then used some other clause to add it back or a portion of it back onto your monthly payment. That fee double my mortgage payment for the month which is wrong to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
A {$3500.00} transfer was made from XXXX XXXX  card ending XXXX to Capital One ending XXXX. But instead the transfer was made to Capitol One virtual card ending in XXXX. The transfer was completed on XXXX 's side but Capital One claims the did not receive nor " see '' the transfer. The transaction happened on XX/XX/2022 and still I see the {$3500.00} in my XXXX account and no payoff in my Capital One. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2022-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dept collection agency contacted me requesting to pay them the amount of {$660.00} and threaten me to take legal action with their attorney and that I have to spend more money by hiring an attorney. then told me will damage my credit report if I don't pay them. I requested them to validate that the debt is lawfully mine and its contractual charges. instead ignored my request to validate the debt amount and reported negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXX ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation