vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: GA

Complaint narrative:
This company has been calling me everyday, twice daily for about 6 months. I have told them to stop calling and have downloaded apps on my phone to block them but they continue to try. They call me once in the morning and once in the evening. The last attempt was around XXXX XXXX. on XX/XX/XXXX. They've called me XX/XX/XXXX, XXXX, XXXX, etc. They call me everyday and have been for 6 months. No voicemail and I have no idea why they are calling. I pay my bills and I don't have anything in collections.

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 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XX/XX/2021 chase bank denied me credit which is not possible being that Im the original creditor stated under 15 usc 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: SC

Complaint narrative:
I reached out to Equifax in XX/XX/2021 about have inquires on my this is was not resolved and I filed a complaint and nothing was still not taking seriously and still reported on XXXX the XXXX I contacted them again at this point sending a police report along with my Identification and was told on XX/XX/2021 they had gotten A cover letter ID and SS but not police report I am reaching out to you letting you know that they still have not taken care of this issue yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC
State: WV

Complaint narrative:
I've repeatedly received calls and Voicemails about " debt. '' It's a constant voicemail and I'm continuously receiving these calls despite having been registered on the " do-not-call list '' since XX/XX/XXXX. I'm begging for action to be taken to stop the harassment by way of repeated phone calls. 

The number calling is listed on my phone as XXXX ; but of course I have no idea if this is the actual number calling. Phone calls still on my call history clearly show I'm on a robo-calling list that routinely calls weekly despite my registration on the 'do not call list, ' and include a call history of : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX The list continues on after this, too, these are only THE LAST 8 CALLS. I'm begging for action and recourse if possible. If there's any evidence necessary to prosecute, I'm happy to provide it - this is a weekly situation that continues as recently as this morning and I sincerely would appreciate any legal action that can be afforded to this company as they have CLEARLY violated the do not call registry requirements. Clearly the penalties are not a deterrent to these companies and it's frustrating, since I have never heard of this company, never used the phone Number attached to them, or reached out to them to solicit any correspondence of any kind. 

I've documented the incessant calls and have a longer call history that goes WELL beyond the above referenced incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid of my loan in full on XX/XX/2021 to Wells Fargo, they are still holding on to my escrow and overpayment of XXXX dollars. The automated system said the payment was sent on the XX/XX/2021, the bank said I should have it no later than XX/XX/2021. Its now the XX/XX/2021, they now are talking about business days, this is not the 20th century. No such thing as business days, mail moves 24/7. They are holding my money to squeeze interest out of it!! This needs to be stop, Wells Fargo does this all the time. Thats why I dont wish to do business with them ever again!! But they will not let me or my money go!!!!

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 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Dynamic Recovery Solutions, LLC
State: TX

Complaint narrative:
I have repeatedly asked this company to stop contacting me. They are seeking to collect debt for someone named " XXXX ''. XXXX has never used my phone number. I have maintained ownership of the # for years now. 

After requesting Do Not Call they have continued to call me in violation of the National Telemarketing Rules.

I am seeking punitive damages and legal remedies against this organization for violating federal laws on DNC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 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: Porania, LLC
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
XX/XX/2021 amount {$170.00}. I contacted the company with a invoice for the violations an cease an desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft CAP ONE AUTO Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
A collection for {$70.00} to XXXX XXXX XXXX hit my XXXX account XX/XX/21. Franklin Collections initiated the collection. I emailed them a verification directly from XXXX XXXX XXXX showing the charge -- exactly {$70.00} -- was paid fully and on time.. 

This has been emailed and ignored by Franklin multiple times since then.. On XX/XX/21, I received a letter from them dated XXXX that they were continuing with their collections effort. 

Based on the almost 200 negative complaints on the XXXX  website, this is a common practice at Franklin Collections. They make a false claim and try to bulldoze it through smaill claims court as a bad debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Freedom Mortgage Company
State: MI

Complaint narrative:
My mortgage is through Freedom Mortgage and in XXXX  we ran into some trouble because we switched our bank accounts and had set up automatic withdraws unfortunately there was an error and we were never notified of the first 30 day which then developed into several because we had to pay catch up once we found out what was happening and as you can see we never ran into problems with our mortgage payment before and this also happened on an auto with the same bank and same set up. We have since been on time with our mortgage payments for the last year and I would like the lates removed from our credit because it is bringing our scores down. The dates are XXXX. The report should only show the last 12 months. Please help.

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 2021-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have reported the fact that Equifax is not reporting my mortgage loan payments correctly in 2018. After Equifax did nothing, I filed a complaint ( XXXX ) with the CFPB. Equifax said they would fix it. That is yet to happen. The poof that I sent in the last complaint has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an unauthorized and fraudulent inquiry on my TRANSUNION credit report.I called to let them know my rights to have any inaccurate information taken off immediately. They told me to call the actual company that the inquiry is from. So I called them and they put a report in and told me they were going to request to transunion to delete it. I gave it some time and I called transunion to see if it was off ( the inquiry ) .They told me they never received it and still werent complying.I feel like someone is not doing their job right because as I recall, any inaccurate information has to come off, but hasnt come off yet and I dont know what else to do so here I am

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 2021-09-16 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2021-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners
State: OH

Complaint narrative:
XX/XX/2019. Amount {$430.00}. Contacted the company with violations an invoice and cease an desist letter 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: LA

Complaint narrative:
I was told that this information was no longer on Equifax but it still is reporting. I have sent in documentation for identity theft paperwork also paperwork from other reporting agency 's stating it's not reporting. it's also reporting on XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I get multiple calls a week, and I have requested information on why they keep calling. They have hung up on me and will not stop calling after multiple request to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
my husband and I was visiting in XXXX in XXXX, we where stopped by some sales people about taking a free helicopter ride and a free steak dinner if we attend a seminar, we did upon this meeting they asked for our ID '' s and some other information. We did. and after the seminar we go to a back room with all these salesmen again to get you to apply for a vacation package.for XXXX I told my husband no and we left .the next thing I found out money was coming out my account in XXXX. I tried and tried to reach out to them and nothing/at first they couldn't even find me.i finally after 2 month 's have got a phone number to call them about a credit card they say i purchase for a XXXX and never received are used.they are still taking money out my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Turning Point Solutions LLC
State: CO

Complaint narrative:
The email and Letter attached on the email don't include the the Colorado Fair Debt Collection Practices Act disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PMT Solutions, LLC.
State: OH

Complaint narrative:
Amount {$660.00} date not known. I contacted the company and told them to cease and desist also invoiced them for the violations 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: OH

Complaint narrative:
I was divorced in XXXX and as part of the divorce our house XXXX XXXX XXXX XXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was divorced in XXXX and as part of the divorce our house XXXXXXXX XXXX XXXX XXXXXXXX Ohio was awarded to my ex-wife. In XXXX she filed for bankruptcy and including her condo fees and house mortgage in it. This was used to refinance the house and my name was taken off the loan per the court documents. The credit brearuou claims my name is still on the load and has refused to take it off. Court documents indicates otherwise. 
I want my name to be taken off the loan from XXXX and the credit brearou or credit reporting. 
The credit reporting company has refused to take my name off the loan despite serveral calls to them with documentation proff. The credit reporting company say it has to come from XXXX XXXX  and they are not doing it.

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 2021-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I financed a car through Chrysler capitol A few years back. Well they got a class action lawsuit against them and lost. They were putting people in high risk high default loans. I got a letter and a check for over XXXX dollars. Well the letter said we get loan forgiveness. They took it off XXXX and XXXX but not XXXX. Please help me get this off my credit report please. I don't want to have to hire a lawyer but i will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I kept receiving threatening calls that they were going to garnish my accounts. I asked for more information, but they wanted my social security number and I told them I wouldn't provide personal information over the phone. 
I never received anything in writing till I was served a summons. Now they are reporting derogatory account to my credit every 7 days.

Company response to consumer: Closed with non-monetary relief