vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This company is trying to collect {$180.00} from me for a debt they claim I owe. I have written them several letters since  XXXX    XXXX   demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by (  1  ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have  ( or ever had )  some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 monetary relief
Consumer complaint received 2017-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX   XXXX  had an account open and over {$15000.00} was taken from a linked account and we have not been refunded the money after there was an enforcement to them by the CFPB.

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 2017-06-19 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: KY

Complaint narrative:
In  XXXX  of   XXXX   i had contacted equifax about inquiries that was on my credit report. I do not have any knowledge of these inquiries. Equifax told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On  XX/XX/17    I contact ed Kohl 's Collection    department about an account opened in my name, in collections, that I had not authorized in the amount of {$750.00}. Most of this was late fees. It was discovered while I was in the process of trying to qualify for a mortgage. I was told I could not dispute this account & that they would leave it in my credit reports, damaging my chance of getting a mortgage unless I paid part of it. They also refused to adjust the fees & alow me to pay the balance to re-open the account. I made a settlement arranegment for the amount of {$280.00} & gave their rep my checking account number to withdraw the settlement amount, via Check by Phone scheduled for that date.This was due to the facr they claimed they could not use a debit card for this transaction. They gave me a confirmation number of  XXXX . The money was in my account & I watched & waited for it to clear.     When it did not, I called their collections department again on  XX/XX/17   . They said the payment did not go through. I checked with my bank & they say the Check by Phone was never requested. This rep said they could take a debit card, so I gave him the number for the one associated with the same checking account I provided previously. I was given a new confirmation number,  XXXX .     This time the money was withdrawn from my account, {$280.00} on  XX/XX/17   . Why they waited two days I do not know since it was sitting there the entire time.     I 've received  3  different letters fr om Kohls regarding this transaction, all coming about a week after the d ates posted on them. The first, dated  XX/XX/17    informs me  the  XXXX 17 tr ansaction did not go through. I got that in the mail on  XX/XX/17   . The next dated  XX/XX/17    states that my current balance is {$750.00} & my scheduled payment for  XX/XX/17    is {$280.00}. I got this  one  on  XX/XX/17   . The third is dated  XX/XX/17    & states my current balance is {$470.00} & my scheduled payment is {$280.00} due on  XX/XX/17   . I have as of today not recieved a  XXXX  balance letter stating this is settled.     I have call ed Kohls also  on  XX/XX/17    & asked about the    XXXX     balance letter & they keep telling me it 's on it 's way. They have refused to issue it digitally & continue to report this account as in collections. It has indeed damaged my ability to get approved for a mortgage, and I am quite unhappy with this since it was an account that was fraudulently started my my ex.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I was billed for two medical bills and I had insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX.  XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account 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 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BTH Management
State: AL

Complaint narrative:
ON XXXX XXXX, 2017 A FEMALE CALLED XXXX AND ASK FOR XXXX XXXX WHO IS MY SPOUSE. I ADVISED HER HE WASNT IN. AND I CAN ASSIST HER. SHE THEN WENT ON TO TELL ME HE OWE A DEBT AND THE AMOUNT WAS XXXX. I ADVISED THE COLLECTOR THAT THE AMOUNT WAS INCORRECT. SHE BEGAN TO GET LOUD AND CURSED ME AND SAID XXXX PAY YOUR BILL. SHE DID IDENTIFY HERSELF AS " XXXX ". THE NUMBER CAME UP AS A XXXX XXXX NUMBER WHICH WAS XXXX. I ADVISED HER NOT TO CALL MY PHONE BACK AND I CALLED HER A NAME. SHE THEN CALLED ME BACK AND SAID YOU ARE A XXXX AS WELL. I CALLED THE COMPANY XXXX XXXX IN XXXX AL. AND THEY GAVE ME THE NAME OF THE COMPANY WHO HAS THE ACCOUNT. PLAZA SERVICES XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX. GOT A GUY ON THE PHONE AFTER WAITING 25 MIN TO SPEAK WITH A SUPERVISOR. THIS WAS A VIOLATION OF FDCPA PRACTICES.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In  XXXX  of   XXXX   i had contacted   XXXX   about inquiries that was on my credit report. I do not have any knowledge of these inquiries.  XXXX  told me that there was nothing they could do and these inquiries will be taken off in 2 years. I have been trying to get these inquiries resolved with them and the company 's with no luck. These inquiries are not authorized by me and should not be there. This is damaging my credit. Please help to resolve and delete all non-account holding inquiries. 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 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
On  XXXX   XXXX .   XXXX   Transunion received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )  On  XXXX   XXXX ,   XXXX   Transunion received my  2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my Transunion credit report.     They have removed public records, but, the state tax lien was not removed.

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 2017-06-19 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Companies "  XXXX  '' and " AMERICREDIT '' have pulled a report on my credit without my authorization on  XXXX   XXXX ,   XXXX   from   XXXX   XXXX   to   XXXX   XXXX  , Corporation "   XXXX   ''  may  have authorized this credit report without my authorization on the website "  XXXX   XXXX  '', was swindled into entering car I was looking for and providing contact information, no where on the page did it specify credit reporting. "   XXXX   '' was contacted and claimed to have no information on my credit report inquire. Conversation recorded, pictures of website with no specifications of credit reporting filing present.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
A few weeks ago I noticed a very unusual charge on by BarclayCard US Master Card ... interest ... .which I have rarely had in 30 years of using cards. I assumed they made a mistake and omitted the tiny amount from my payment, figuring they 'd figure it out. There was more interest charged the following bill, so I phoned them. We figured out that I had confused a XXXX for a XXXX on the first bill, resulting in a {$20.00} deficit, and thus the interest charge. Not only did BarclayCard US Master Card refuse to waive the interest given that I have been a very good customer paying hundreds of dollars per month to them on behalf of vendors we do business with, they informed me that if I cancelled the card upon full payment, I 'd lose all my earned mileage ( approx. 70000 ). And since their annual membership fee is due in a few weeks, I 'm stuck doing business with such people for another whole year in order to use the well-earned mileage from them. Beware of BarclayCard US Master Card, the ( not ) ethical company.

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 2017-06-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RE : Confirmation #  XXXX  I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On  XXXX   XXXX ,  2017 , I sent them my dispute letter requesting that they verify all data for the disputed account and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the account, the Fair Credit Reporting A ct Section 611 ( 5 )  ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the account I wrote to them to investigate and verify since  XXXX   XXXX ,  2017 .     I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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: TN

Complaint narrative:
I obtained and reviewed a copy of my Equifax credit report. There was a Hard Inquiry on  XXXX   XXXX ,   XXXX   made by  XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , DE  XXXX . I have not applied for credit from  XXXX  and I am unaware of any accounts with them. I sent them a letter on  XXXX   XXXX ,   XXXX   to the above referenced address requesting they provide me with documentation showing they had a right to make the  Hard Inquiry.  The letter was returned as undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
XXXX  sold my mortgage to  Nationstar  in  XXXX   XXXX . All terms remained the same and I was paying {$1500.00} a month  (  {$320.00} escrow included  ). A ll taxes paid by  XXXX  before sale for the year  XXXX . In  XXXX   XXXX   Nationstar  paid my county-town tax for {$1200.00}. My school tax is not due till  XXXX   XXXX  for {$3900.00}. MY CLAIM IS  Nationstar  says I have. {$2900.00} escrow shortage. By the time  XXXX  comes I would have accumulated {$3200.00} and only be {$700.00} short. They immediately spread payments over 12 months and my new payment since  XXXX  is now {$1700.00}. This is a {$230.00} increase that is creating a burden for me, I am a  XXXX    XXXX   living off of  XXXX  compensation and the additional {$230.00} a month is a lot for me to sacrifice. I have made numerous calls faxes emails but not one can give me a straight answer, and they sent escrows analysis and the numbers are not consistent. I just want my payment to go back to normal ... .please help me. Thank You  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I 've been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
Dear Sir or Madam of the Consumer Finance Protection Bureau, It has come to my attention, on XX/XX/XXXX, Contract Callers Inc. dba CCI, reported an unsubstantiated debt that is the result of identity theft and has previously been resolved with the original creditor of XXXX XXXX XXXX ( XXXX ) and removed from my credit reports during the 4th cyclical period of XX/XX/XXXX. It is further noted, CCI is in direct violation of the FCRA and is therefore liable to me in the amount of {$1000.00} for each occurrence. It is within my federally protected rights to pursue this matter through litigation. To avoid such procedure, I request the CFPB investigate Contract Callers Inc. Dba CCI for their illegal and unethical collection practices. On XX/XX/XXXX an FTC Identify Theft Complaint and Affidavit filed ( XXXX ) On XX/XX/XXXX XXXX, XXXX XXXX and XXXX were notified of the fraud XXXX County Sheriff Police Identity Theft Report Number XXXX On XX/XX/XXXX XXXX account was deleted from my credit report at the direction of XXXX due to fraud in my name. XX/XX/XXXX, Contract Callers Inc, with full account knowledge and full history of the reported fraudulent account reported an active collection account with XXXX. This fraudulent account has already been discussed, investigated, and noted to be fraudulent. At this time, CCI is attempting to circumvent the legal protections of me as a consumer by attempting to collect and report an unvalidated, illegal, proven fraudulent account. At this time, CCI has made no attempt to rectify nor remove its reporting as required by section 605B of the Fair Credit Reporting Act, which states CCI is required to block the fraudulent information on my credit report which is the result of identity theft within four business days.
CCI has, among other charges, : -reported debt which it knew was fraudulent ( CCI failed to review full account detail to reveal the status of the debt as fraudulent ) - Has not validated nor provided the consumer with written notice prior to furnishing information to credit reporting agencies - failed to investigate - willful negligence

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 2017-06-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On  XXXX   XXXX .   XXXX    XXXX  received and signed for, my  1st  letter disputing inaccurate reporting of a state tax lien on my credit report. They sent me a letter saying my request was ineligible ( stall tactic  )   On   XXXX   XXXX ,   XXXX     XXXX   received m y 2nd  letter, again disputing innaccurate reporting of said tax lien. I have received no response in regard to the tax lien. As of this typing,  XXXX , the tax lien is still appearing on my  XXXX  credit report.     They have removed public records, but, the state tax lien was not removed.

Company response to consumer: Closed with explanation