vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from Midland Credit Management. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX  EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to XXXX XXXX and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: FL

Complaint narrative:
I Have been a Victim of Identity Theft I did not Authorize any of these Accounts

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 2019-09-05 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:
I Have been a Victim of Identity Theft I did not Authorize any of these Accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
When we bought our home we were under the impressions that we had a fixed rate mortgage. As we have noticed we are constantly getting an increase in our mortgage payments. We have tried to speak to Nationstar Mortgage numerous times but with no one can explain the constant changes in our mortgage payments. 
Our annual interest rate is 7.9017 per cent. We have requested that I interest rate is lowered but so far nothing has been done. 
We had a second mortgage that was given to us at the time we purchased the home and the interest rate was 10.8378 % on an amount of {$57000.00} that we had no idea that was being done until we went to the closing table and no one explained it to us. 
We purchase our own homeowners insurance, we grieved our taxes and we are constantly getting higher payments every few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Yesterday I received a call on my work phone from a private number at XXXX XXXX. I had another call at XXXX XXXX  ( again restricted ), XXXX XXXX, and XXXX XXXX from XXXX XXXX XXXX. They violated the Fair Credit Collection rules and are now harassing me at my place of work. I am making a formal complaint regarding their actions. They can not, according to the Fair Debt Collection Practices Act : a ) call me at work ; b ) threat or harass me ; c ) falsely claim legal action can be taken again me ; d ) contact me anonymously ; or e ) contact me after I specifically direct you not to. 

The person who contact me anonymously on XX/XX/2019 at XXXX XXXX EST was unprofessional, rude, harassing, threatening, commented negatively on my character, and provided legal information that was inaccurate in an attempt to scare me into paying a debt that I have already paid. She indicated that this call was recorded but did not provide me with her full name, ID number, or contact information. If I were you folks, I would pull up the recording and listen to it she was seriously over the line, unprofessional, inappropriate, harassing, and quite frankly, rude and wrong. I have paid the debt to Capital One and informed her of such but she was really, really obnoxious. I finally told her to have a nice day and hung up but they are still calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I called credit management on XX/XX/XXXX almost XXXX XXXX and spoke to a lady. I did not get her name. This was in regards to XXXX ( formerly XXXX XXXX XXXX ) in the amount of {$120.00}. But I told her that I would be will to pay it if they be will to take off my credit and send me a letter about it. I repeat this a few time and she told me they could. She told me I could not get a letter right away that I have to get off the website a day later. I told ok. I paid the full amount with my credit card and asked about get the letter. She told me the website. Then next day XX/XX/19 about 10 I had to call them back because I was unable to get online with my name and last for. I need some number. I cant remember the gender of this one but told them I wish they would give to me the first time because I should have had to call back.. They name a comment that it was only 3 number different from my confirmation number when I paid. I ignored it and got what I need. After review the letter with a place that help me fix my credit it was noted that it said nothing about take off my credit so I had to call back. I called again later that same day XX/XX/19 about XXXX XXXX. I talk to two females. They both have very difficult name. The last one was a supervisor who told me that they did not agree and there nothing in the notes about it. I try to talk to her and she would not listen and kept say that not something that they would agree to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 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: NV

Complaint narrative:
I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX , XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX , XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX {$59.00} XXXX XXXX  XX/XX/2019 {$15.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: AL

Complaint narrative:
ON XXXX I RECIEVED A PHONE CALL FROM MY DAUGHTER INFORMING ME THAT DIVERSIFIED CONSULTANT INC WAS CALLING HER PHONE TRYING TO GET IN TOUCH WITH ME. SHE STATED THAT THEY CALLED HER 3 TIMES IN A SPAN OF 10 MINUTES AFTER SHE TOLD THEM I WAS HER FATHER AND THAT SHE WAS NOT GOING TO GIVE THEM MY NUMBER. SHE TOLD THEM SHE WOULD ASK ME TO CALL THEM. I CALLED THEM AND SPOKE TO XXXX. SHE STATED THAT I OWED A XXXX BILL. I TOLD HER THAT WAS NOT TRUE AND THAT SHE IS NOT TO CALL ME ANY MORE. THAT WAS AT XXXX CST. LATER IN THE DAY AT XXXX THEY CALL ME AGAIN. I ASKED THE PERSON IF IT WAS DOCUMENTED IN THE SYSTEM NOT TO CONTACT ME AND THIS PERSON SAID YES. I THEN ASKED WHY ARE YOU CALLING ME? SHE COULD NOT ANSWER MY QUESTION. I ESCALATED THIS TO THE COMPLIANCE OFFICER AND SHE WAS NOT MUCH HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Citi ThankYou Preferred Card, and I had not been using the card for a very long time. There was an unauthorized charge posted on my account on XX/XX/XXXX for {$14.00}. Since I was out of country at that time, I didn't receive the bill and was not aware of the charge at all ( since I did not use that card for years ). So after three  months and two unpaid bills ( the {$14.00} was the only charge on these bills besides interests and fees ), the bank closed my credit card account. At the same time they closed my ThankYou reward account associated with the credit card and forfeited over 120,000 reward points accumulated during the last ten years. After I come back home in XX/XX/XXXX, I noticed this issue and immediately contacted Citibank and the ThankYou reward program. I told them that the charge was made in error, I should not have any bill and my credit card should not be closed. I was told that the reward points would be recovered once my credit card was reactivated, and the credit card could be reactivated if the bill was paid. So I paid the bill in full immediately, filed the dispute with unauthorized charge, and ask for reactivating my credit card. The dispute was resolved in my favor on XX/XX/XXXX, however, my credit card has not been reactivated till now. I contacted Citibank several times and each time they simply asked me to submit an application for reactivation, and then declined my application because there was an unpaid bill. It is very ridiculous because the only unpaid bill was the {$14.00} charge, which has already been disputed. Now I my over {$120000.00} reward points are still taken away. I have been a Citibank credit card customer for more than 10 years and never had any problem before. I just dont understand why I was punished for something which is not my fault. I felt that I was treated unfairly probably because I am not a XXXX XXXX and I could not speak XXXX fluently? I just want to get my reward points back. Please help me with that. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I received a credit card statement with two fraudulent transactions made on XX/XX/2019 for a total of {$270.00} by " XXXX XXXX XXXX GA '' and " XXXX XXXX OH '' and I haven't used my card since XX/XX/2019. 
I called customer service XXXX on XX/XX/2019 to report it and they gave me a Reference # XXXX where they told me that I will receive an answer on 7-10 days and that they can't cancel the account until the case is solved but I didn't receive any answer. 
I called back today XX/XX/2019 for an update on the fraud committed and the customer service at the fraud department told me that this fraud was sent to be " disputed '' not to be treated as a fraud. Now, this fraud is starting to be investigated and I ask to cancel this account because I do not want to be impacted by any other fraud-related transaction. 
This is the second fraud situation that I am facing in the last 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.

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 2019-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp
State: TX

Complaint narrative:
Lending club sold their ( personal ) loan to me at 6 % interest rate, upon collecting my information and all the necessary documents I end up with 13.49 %, {$280.00} monthly installments for 36 months. 

After many unattended complains and service dissatisfaction, I called to terminate my business with them on XX/XX/2018. Lending club rep by the name XXXX from payment solutions department quoted a payoff amount of {$5000.00}, upon explaining my reasons and dissatisfaction with their service he finally agreed on a settlement of {$4800.00} with the following conditions : A certified funds in the settlement amount of {$4800.00} no later than 30 days must be in their office, and upon receipt, the account will be deleted from my credit report with all negative remarks. I demanded a written letter stating the above conditions, which he refused and he vehemently promised that lending club is a reputable company and would not put any thing in writing, rather after payment my report will be updated to reflect his promise to me. 

Unfortunately Lending club took advantage of me upon collecting the agreed payment of {$4800.00} ( cashier 's check ), they went back on their word harassing me every day at working with unending phone calls demanding a balance of {$260.00} contrary to the agreement they reached with me before making the final to close out the account and delete it from my report. 

Their derogatory information has denied me of my right to use my credit to apply for home loan mortgage, and many more setbacks due to their adverse remarks on my credit report. 

Because I was in doubt of XXXX 's promises, then I wrote a letter stating our agreement as the only condition for accepting and negotiating my cashier 's check payment.and make a copy of the letter enclosed with the payment to Lending club, and they cashed the payment and failed to fulfill their conditions.See the attached copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS TAKEN PLACE. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX MD

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$55.00} CAPIO PARTNERS LLC - Open Date XX/XX/XXXX Balance Amount {$250.00} I called this agency and asked them what the debt was for, They advised me it was for a XXXX XXXX XXXX XXXX and this was a debt that was apparently from XXXX. I advised them that I do not owe any money to this agency and have never utilized their services. they are falsely listing this as a newly defaulted account on my credit as well as will not help in removing this information from my credit report and simply want payment. I have never received a notice from this company prior to this debt being placed on my credit and I am currently in the process of purchasing a home. this falsely reported debt may potentially cost me the purchase of said home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Agreed to a settlement that was applied to Capital One Bank USA account XXXX in XX/XX/2017. I was told that account would be reflect paid in full and within 30 days it would be deleted from my credit reports. I have contacted company several times and no one will assist. I am told that no record exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I live in a townhouse and my XXXX has XXXX XXXX and also XXXX XXXX. 
I have been calling my Mortgage Provider Fay Servicing, based to XXXX, to cancel both insurances over the course of a year. 
I have sent them proof of printed faxes I have sent to them. I have recently found out that they paid out on XXXX XXXX XXXX on my property in 2018. 
Everything time they complain they tell me to send a letter to them. I can not speak to anyone in their insurance department direct. 
When I received one response they mention that they credited me {$14.00} on a Lender place Insurance ( as I had another insurance ) and ignoring the fact that I do not need House insurance. 
Who can I get to get these guys to listen to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation