vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
The CBE group continues to call my business on a daily basis, XXXX to XXXX times per day. When I have contacted them to remove my phone number from their call list they continually tell me that they have. We do not have any outstanding debt that they are servicing and there is no reason for their daily phone calls. I can not resolve this situation through the CBE group and am requesting that I can block their number XXXX from calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... 
This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

THEY NEVER RESPONDED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
I'm aware that these transactions is fraudulent [ Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021, Debit Card Purchase At XXXX XXXX, XXXX, XXXX On XXXX From Card # : XXXX from XX/XX/2021 ] These transactions belongs to someone else and someone has obtained my personal information ( identity theft, fraud, error ). I didn't sign any lease term agreements and I didn't authorize or give permission ( consent ) to XXXX XXXX to withdraw money from my account on any or lease tern agreements. After contacting XXXX XXXX and for further investigation on my behalf, XXXX is the merchant and the address that the item got delivered to was a ( XXXX XXXX XXXX, XXXX, TN XXXX ). I never lived there and I'm not responsible for any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company has been calling for months claiming to represent Chase Bank, They have my social security number and offer a settlement of XXXX bucks even to stop the calls. 

XXXX is the number they called from today at XXXX on XX/XX/XXXX When I ask them who they are, why they do not read me my rights as a consumer or why they swear when they talk.. they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
My wife and I applied for a loan with Rocket Mortgage after they called and emailed multiple times ( attached ) and told me they got a request to pay off our current loan with Rocket Mortgage. We had a loan in process and Rocket promised us a low closing cost loan at a slightly better rate. I let the company ( XXXX ) who was working on our loan know our decision and they thanked my for notification. I have copies of this email. 
Rockets loan was for 2.125 % rate no points and they would pay for appraisal 15 year loan with approximately {$100000.00} cash out. Our current loan with Rocket is at 4.6 % with about {$65000.00} balance remaining. 

The Rocket agent promised that they could close the new loan quickly and that we were 100 % approved. We did all the steps required let their appraiser have access etc. and provided all documentation. I requested updates and they kept saying the ball was in their court. About 2 or so weeks ago Rocket called and said since appraisal came in for so much more than we estimated trying to get us to borrow more money. About two days later someone called and said its taken them too long to get the title company ( which they chose ) to close the loan so they sent me an updated rate with points ( their title company notified us on XXXX XXXX see attached email that they were working on loan ). I said that is unfair and could you please just keep the original terms. They passed me from person to person for about two weeks I think and now today the person XXXX XXXX tel XXXX email XXXX said " After speaking with many people it looks like we are not able to do the loan as was once stated '' He also said he tried to get in touch with me but was unable to get a response. I have no emails, texts or phone messages from him. I requested the Rocket Mortgage legal department contact with no response and told him via text that I was going to file a compliant with the Consumer Financial Protection Bureau. 

I have numerous emails and text messages from the 90 day ordeal ( most emails attached ). They got me to switch from a company that I had worked with before and a company which had extended lock periods due to their inability to get an appriaser in a timely fashion. This is unethical and I would assume illegal. 
Please let me now next steps. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I contacted AWA collections and XXXX about the item they are reporting as a duplicate account, rather increasing the total balance and collecting twice the amount ie {$10000.00}. The original amount of this debt is less than {$4000.00}. 

AWA Collections is fraudently reporting this account twice, and trying to collect double the amount, they changed the account numbers for the same debt, and increased the balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 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: MD

Complaint narrative:
There are inquiries I did not authorized on my report. Please delete. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I understand that the XXXX credit bureaus report information they received. How many times must I keep reporting the same problem. Then I was told that you all are the ones that monitor the credit reports. I'm not sure how that work, but to me it seems like a conflict of interest to me. How can I receive fair credit reporting if you all are working together to keep me where I'm at, I feel this is discriminatory and unfair to me. Every time I feel I'm getting ahead, the bureaus do something to knock my score down. I'm a XXXX Veteran and I have tried everything to get my credit report straight. I have had enough, something has to be done about this, not only is it unfair but it's out and out discrimination ....

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 2021-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a natural person sending this notice by my self Correction of billing errors on my open ended credit plan The a ledged debt is {$970.00} I have been a member with CITI CARDS since XX/XX/XXXX I receive a statement each month that is incorrect I was born with a bond that secures all my public debts a.k.a open ended credit plan I am simply demanding a correction My account from CITI CARDS is an open end credit plan. 15 U.S. Code 1602 ( j ), an open end credit plan is a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance.

12 U.S. Code 84 Lending limits ( 4 ) Loans or extensions of credit secured by bonds, notes, certificates of indebtedness, or Treasury bills of the United States or by other such obligations fully guaranteed as to principal and interest by the United States shall not be subject to any limitation based on capital and surplus.

18 U.S. Code 8 Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

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 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
BARCLAYS BANK DELAWARE account is all paid off and I never received a notice of collections or past due payments. I send notification by mail of my change address and never got a response. I would like the late payments to be removed from credit and the reported balance because the debt is paid off. This is a high interest rate credit card and I do not recommend it to anyone.

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 2021-11-11 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: DC

Complaint narrative:
On XX/XX/XXXX, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. 

On XX/XX/XXXX, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. 

I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. 

XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. 

I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. 

Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: MN

Complaint narrative:
I have sent over several disputes to XXXX, Transunion, and XXXX in regard to XXXX XXXX XXXX for the last 2 years. 

I email XXXX a letter on XX/XX/XXXX asking for multiple things and if not received that they were in violation of the FDCPA. Over the course of 30+ days, their customer service did not read the letter contesting the accounts in question, instead continued to pass the buck. I wrote another letter to them dated XX/XX/XXXX, and I never received any correspondence from them in regard to the letter, and did not fulfill the required information as requested in the letter. 

This debt is also too old to be collected on as it states it is from XXXX, and MN has a 6 year statute of limitations on debt reporting. 

Insofar it has not been removed from my credit report despite numerous requests to credit reporting agencies. I want it removed within 15 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
- Opened lease with Lincoln Automotive Financial in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to Lincoln - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to Lincoln Automotive Financial charging off approx {$700.00}. Upon calling Lincoln, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from Lincoln regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because Lincoln is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. Lincoln refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - Lincoln refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
I am filing this complaint on behalf of myself. On XX/XX/2021 I sent a certified letter requesting that I be provided with documents validating this alleged debt. It has been well over 60 days and they have failed to respond which is in complete violation of my Consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
the bank is not compatible with payments in general but online payments really scares them too much, they continue to block payments for no reason, perhaps a better idea is : citi stay away from internet/the web, and work on the streets only, wth your branches, you are absolutly unable to manage a online banking, there are no possibilieties, that i will call you for every payment that i place on the internet and most importantly the phone is not a legal requirement so if i want/prefer/estabilish>/want/prefer, then i can simply trash the phone system and use only a email account I use a virtual card attached to the primary card for online purchases, with a purchase limit they offer virtual credit card accounts, for 1 time usage on the web, but they donpt trust their own systems on XX/XX/2021, I have plaved the order for {$9600.00} I clicked on the email Sent from citi On XX/XX/XXXX and I confirmed that I made the purchase I responded by email and confirmed the charge was valid, and the block was removed from your account A block was subsequently reapplied on the account which resulted in charges being declined and this time they asked to use their passion, the phone systen, again they block each online payment!! I suggest you to hire a corporate neurologist I DO NOT USE THE PHONE!, WHAT DO YOU NEED TO UNDERSTAND THIS SIMPLE SENTENCE

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 2021-11-11 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: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
My payments are due on XXXX of every month. that's the due date. 
In XXXX payment was due on the XXXX of the month, as such I mad a payment in XXXX on the XXXX. 

since there are 31 days in XXXX, XX/XX/XXXX is the XXXX day. BMW was paid on that day which is the XXXX day. so because they were paid on that XXXX day, they can not report me 30days late, because they had payment in their possession on day 30 and such was not over yet so technically the 30th day was not over yet and they are in violation of fair credit reporting as such states : " late payments generally wont end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees. '' XXXX states : If youre only a few days or a couple of weeks late on the payment, and you make the full late payment before that 30 days is up, See, XXXX XXXX XXXX On XX/XX/XXXX when I made the payment, the 30 days was not up yet and they had the payment, so they are incorrectly reporting a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: OH

Complaint narrative:
I sent an FTC Identity Theft Report Dispute to Equifax, XXXX XXXX XXXX requesting them to PHYSICALLY VERIFY & provide the " METHODS OF VERIFICATION '' for the disputed accounts via certified mail ( copy of letter & FTC ID Theft Report attached ) they were received by Equifax, XXXX XXXX XXXX on XX/XX/2021 & XX/XX/2021 respectively ( copies of Proof of Service attached ). As of today XX/XX/2021, I have received neither PROOF OF VERIFICATION, nor any METHODS OF VERIFICATION. These are violations of my rights under FCRA Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: PA

Complaint narrative:
As I routinely check my credit profile via XXXX XXXX, I've noticed inaccurate reporting on there. I've notice unauthorized inquires as well as accounts that has been reported. I've contacted the creditors personally and they have advised that I contact the bureaus. I've been contacting bureaus on multiple occasions and still, no progress. I was advised to send in a police report and a FTC report which I did via postal mail but each bureau claim that they have not received those documentations. I follow each step promptly and still, no progression.

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