vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have been receiving threatening phone calls about a debt ( that I don't believe I owe ), since XX/XX/XXXX fromXX/XX/XXXX. Several different people from there have called, when asked they say they are representing XXXX XXXX XXXX and that I'm going to be sued for not paying a GE Capital -XXXX   card. They ask about an address that I'm no longer at but never have asked for a new address to send all the legal docs but keep threatening that they are coming in the mail if I don't pay. XXXX XXXX even started calling my family members asking for my personal info telling them that I'm being sued, even going as far as threatening them. They never have said that they were attempting to collect a debt. They seem to be more concerned about getting personal info. and have always been very rude. Prior to these phone calls I have NOT received anything in the mail about owing this debt. I have several of the voicemails saved as does my family members that have been receiving the phone calls.

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 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Voss & Klein, LLC
State: CA

Complaint narrative:
On or about XX/XX/2019 a collection company Voss and Klein went on my credit report regarding an Ad with XXXX. And charged me approximately {$4300.00} plus a {$1000.00} collection fee. I want this to be removed from my credit immediately. I have attached a letter and documentation supporting my request. Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CFAM Financial Services, LLC
State: CA

Complaint narrative:
They company approach to me at XXXX and took my belong nings after that i request to take out my stuff of the car and they are trying to charge me a XXXX dlls fee, after that they contact me charging me a ver of XXXX dlls

Company response to consumer: Untimely response
Consumer complaint received 2019-10-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For the past 45+ days Experian.com site is not allowing my to access my own credit report .... I keep getting error message that I need to call them to dispute info, and when I do I'm on hold for 45 + minutes until someone answers the phone makes me answer all the questions and then tells me to go on line to file any disputes after I got finished telling them that Experian site is not responding ... .rep tells me they can't file any disputes for me and I have to do it in writing. When I write I get a mail post card telling me to go on line to file dispute on line but the site it NONE responsive see attached.. 
This is a never ending loop consumer is being put in, and Experian is ignorant non responsive and isn't this a violation of f.c.r.a.? I should have free access to my own report, instead of forcing clients to call in and pushing us to purchase monitoring .... 
this is forced selling and their message about " dark web '' is scare tactic sales and is totally unethical there should be order there should be open access for consumers to their own information

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 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.

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 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
Duplicate mortgage payments in the amount of {$1500.00} each were sent for the XXXX and XXXX payments, XXXX. This was due to the fact that my mortgage has been sold three times, XXXX to XXXX to Freedom Mortgage and the autopay for my XXXX XXXX  account was not cancelled for LoanCare so that Freedom got two payments for XXXX and two payments for XXXX ( attached ). I called Freedom Mort at least a dozen times explaining the situation and that the duplicate payments were in error and not to be applied to principal of the loan. I received a message that I would get a refund upon supplying my routing and account number which I did on XX/XX/XXXX ( attached ). I called again on XX/XX/XXXX and was told that I would get the refund on the following Tuesday, XXXX. I have not received it. 
I am on a fixed income and can not afford to not receive my refund. It is the height of hypocrisy that I have to make my payments on time, with no mercy for being late, but they can take their time on my refund and not comply with their promise. 
I appreciate whatever you can do to get me my refund that is due to 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 2019-10-08 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: FL

Complaint narrative:
Information was breached and inquires along two accounts were open. I have attached the FTC report that was submitted. 

Also account : XXXX XXXX XXXX should have been removed ( XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). 

After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor.

Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

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 2019-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In the past, the account Im disputing went from one debt collector to the next which led me to believe they were just selling my information between colleagues or something or the sort. XXXX XXXX credit was paid in full many many many years ago and the account was closed. I never touched it again. I was about XXXX and since then havent touched a credit card since. Im a XXXX and primary rely on just cash. Pay my rent in cash/ money order and have a prepaid debit card to pump gas and other little things or my mother usually books more important stuff like flights and hotel rooms on her own credit card. This item thats being reported on all 3 bureaus is incorrect and am tired of it just sitting there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
Received report about a 'hard inquiry ' from a company that " I can not identify as listed, namely 'XXXX/XXXX '. I have not applied for any loans, credit cards, or any other lending instruments within the last year or so. This may be an identity theft possibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
To whom it may concern, I just moved to the XXXX in XXXX this year and very happy that I did. Since I never lived here in the past I have no credit history so I wanted to get started with a small CreditCard to build histroy. I got a recommendation of a friend for an online card from XXXX which I applied for and got denied. 
I then proceeded to talk to XXXX XXXX back home in XXXX which I am in great standing with ( I have the XXXX XXXX Card ) and they sent a letter stating that I never had any issues or late payments, then I attached that letter and applied for an XXXX XXXX card but also got denied because I dont have any credit history. 
Then, I talked to some people and the recommened I should go to bank of america and get a fully secured card since that wont require good credithistory. I did so and got also the secured card denied because apparenty since I applied for 2 other cards in the past and got denied it dropped my credit too low for even a secured. 

I am quite frustrated because I really want to build credit history but it seems that nobody is giving me the chance to start and I cant do so without a credit card. So I thought I might reach out to you guys and see if you can help me. 

All the best

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
A trade line on my report is showing an inaccurate date thereby re-aging the line to extend the amount of time it stays on my report. Recently this company, Target, has been " flagging '' my report regularly which is negatively impacting my score even further. I have received multiple alerts from CRA monitoring services of this action made by Target, which is a clear effort to further damage my credit rating since every time they flag my account my score drops lower. In doing so, this has created negative financial consequences for me. 

The date of first delinquency was 7 years ago. I have already requested that this be investigated by all three CRA 's. Target has " confirmed '' the information is correct and refuses to remove the inaccurate information from my report. I have original statements from Target showing the Date of First Delinquency. If I have these statements, so should they. Which should clearly show that they did not investigate the account and are taking these actions deliberately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian and XXXX  are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Technologies, Inc.
State: MD

Complaint narrative:
Credit Tech ran my credit for a refinance for mortgage on XX/XX/XXXX that I authorized. I did not authorize Credit Tech to run my credit on XX/XX/XXXX because I decided not to go through with the refinance. I am not sure why they ran my credit without approval. This needs to be removed from my inquiries list asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly medical collections/charge-offs. Please see attached spreadsheet with account numbers and balance due. I have also attached a copy of my credit report for reference. These account balances need to report a {$0.00} balance and {$0.00} past due. I have insurance with XXXX. I have attached a copy of my insurance card as well. The insurance company did not file the claims even though they are contractually obligated to do so. Their lack of due diligence has consequently caused the accounts to go delinquent and report late with a balance due. This negative reporting is seriously harming my credit score and these accounts need to be reported accurately. I have contacted the ( 2 ) bureaus to remove these items however, I have not been successful.

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 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 ( XXXX  and XXXX  ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Michael Harrison, Attorney at Law
State: NJ

Complaint narrative:
Attorney XXXX XXXX at XXXX XXXX, XXXX, NJ XXXX keeps sending me letters on a medical debt that is not owed by me. The debt is owed by XXXX XXXX XXXX whom lives in XXXX XXXX. 

I have repeatedly called them and sent in an initial complaint to stop sending me letters in the mail. My girlfriend is getting angry at me which is causing our relationship distress. I am having emotional and psychological distress as well because of these letters. 

Michael Harrison 's Law firm has repeatedly violated the FDCPA ( 15 U.S. Code 1692k ). 

Damages for Physical Distress Damages for Emotional Distress If I receive one more letter in the mail I will be forced to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Roycroft Management
State: NM

Complaint narrative:
XXXX XXXX XXXX  have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-08 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: AZ

Complaint narrative:
Received notice of 'hard inquiry ' which was not made by me. Have not applied for any loan product or credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Asset Recovery Solutions, LLC
State: NC

Complaint narrative:
I TOLD THIS COMPANY IN WRITING AND OTHER 3RD PARTY COMPANY REGARDING THIS MATTER, NOT TO CONTACT ME DIRECTLY VIA PERSONAL PHONE NOR WORK PHONE AND THAT ALL CORRESPONDENCE SHOULD BE VIA US MAIL. 

However, this company continues to call me daily at different times repeatedly on my cell during working hours. 

For example, XX/XX/19 @ XXXX XXXX  XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I currently have two credit cards with capital one, I'm monitoring my credit reports and noticed that capital one is failing to report one of my credit cards to XXXX. Capital one is reporting both cards to XXXX and XXXX, but my XXXX  report is suffering due to the lack of credit history associated with that other credit card. I tried resolving this with them directly to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
I initiated a transfer of money from my XXXX XXXX XXXX account for {$9000.00} to Coinbase on XX/XX/XXXX. They initiated a second unauthorized amount for {$9000.00} and overdrew my bank account. They are now saying I owe them this money because my bank account rejected their offer and are going to take my money that is currently in their account. I am owed the {$9000.00} plus any fees my bank charges me for them overdrafting my account but currently I can't access my account until I pay them the money that I " owe '' them.

Company response to consumer: Closed with explanation