vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: SC

Complaint narrative:
On XX/XX/2020 I received a phone call from Tate & Kirlin.  When I answered there was a pause before connecting me to a live operator who asked to speak with someone else. I advised the caller that he had woken me up as I am on a nights schedule and that this was not the number for the person he asked for. 

The pause in connecting me to a live operator is indicative of Tate & Kirlin 's use of an " automated telephone dialing system '' ( hereafter referred to as an autodialer ) as defined in the Telephone Consumer Protection Act. 

I wanted to inform the caller that the time of day he had called was inconvenient to me and to not call me during such hours.The caller identified that he was calling from Tate & Kirlin but he disconnected the line before I could tell him not to call at such time of day. 

My caller id listed ( XXXX ) -XXXX. I called back several times but the line rang to a full voicemail box and I was unable to leave a message. 

A XXXX search showed a number for Tate & Kirlin as ( XXXX ) -XXXX and that it is a debt collection company. I called that number and spoke to a female who confirmed that their company had called before. I confirmed my demand not to call during daytime hours and the female noted the request was recorded. 

I do not have a prior business relationship with Tate & Kirlin. I never give consent for Tate and Kirlin to contact me in any way, nor to use an autodialer in an effort to contact me. I do not have a debt that Tate & Kirlin is collecting. I am a third party that they were knowingly contacting in an effort to collect someone else 's debt. 

The initial male caller did not identity himself and did not state he was seeking to confirm or correct location information about the person he asked to speak to. Federal judge XXXX in Halberstam v Global Credit & Collection Corp noted that the Fair Debt Collection Practice Act states that the only permissible reason a debt collection company may contact a third party is to confirm or correct location information about a debtor. It is an unfair debt collection practice to contact a third party for any other reason. 

I sent Tate & Kirlin a certified letter in which I demanded a cash settlement in lieu of litigation for this violation of the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. Tate & Kirlin has not replied to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
COMPANIES OVER PROMISED AND UNDER DELIVERED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : TOYOTA MTR - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX  - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2020-01-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is a hard inquiry on my XXXX XXXX that I did not recognize/authorize on XX/XX/2020. 

The company is : Syncb/ XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
EXPERIAN CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX XXXX CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. EXPERIAN REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



611-609 STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF EXPERIAN WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX  XXXX  ADMITTED TO REPORTING FALSE INFORMATION YET EXPERIAN DID NOTHING ABOUG 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 non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: NJ

Complaint narrative:
Lending Club sent my payment to an outsourced partner for collection after less than a month late. They sent this to their partner after multiple attempts to make a payment to my account. They have consistently messed up their processing. First saying that I can not make partial payments, then saying I can not make payments without signing up for auto-pay ( these are statements from their call center that I've learned to take with a grain of salt ) After attempting to pay the outsource partner, they admittedly forgot to process the payment. Lending Club added two months of non-payments to my credit report. Then, after finally begging lendingclub to accept my payments directly, my dispute only resulted in one month of non-payments being removed. 

Because of my exhaustion in working with such an incompetent company, I gave myself a break and said I will continue to pursue the removal in a few weeks. Last Friday I submitted a payment to my loan, and saw my online statement for the month 's status change to " processing-within grace period '' the money NEVER came out of my checking account AGAIN. So I went on the website, and I now incurred a late fee. I am Begging the CFPB to put an end to this nightmare and clear up the situation. How can our regulators allow this company to fail people time and time again? The worst part is that when I go to my online statement, my payment made in late XXXX is still in " processing '' status. This is a disgrace, I will not continue to be abused by proven preditory lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: LA

Complaint narrative:
XXXX  CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX  XXXX  CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. XXXX REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



XXXX STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF XXXX  WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX XXXX ADMITTED TO REPORTING FALSE INFORMATION YET XXXX  DID NOTHING ABOUG 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 2020-01-25 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a hard inquiry on my XXXX  on XX/XX/2020 from the company Comenitybank/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
I receive a notification from XXXX  XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX  and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called XXXX  and Trans union and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. XXXX   and Transunion claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date Trans union and XXXX  have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and Trans union and XXXX  never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this 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 2020-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from Credit Control LLC Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is XXXX XXXX and is regarding an XXXX XXXX account Account # xxxxxxxxxXXXX. I did not apply for credit account with XXXX XXXX XXXX XXXX XXXX. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or XXXX XXXX. I did not apply for this credit and this is not my 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 explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This company which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$1300.00} with XXXX  XXXX  & XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof. I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : Wells Fargo bank is interfering with the processing of Checks disbursed by Georgia Crime Victim Compensation Program, GCVCP, ( APPROVED CLAIM NUMBER XXXX PURSUANT TO O.C.G.A. 17:15:7 ). Currently, GCVCP  writes the checks from a Wells Fargo bank Account, and I want to file a claim for My Money. I AM THE INNOCENT VICTIM OF XX/XX/XXXX-THURSDAY CAR WRECK WHERE I SUSTAINED SIGNIFICANT XXXX, MEDICAL, AND XXXX XXXX. I have been APPROVED FOR {$25000.00} FOR treatment resulting from XX/XX/XXXX-Thursday car wreck, and currently GCVCP owes me {$12000.00} and have FAILED TO DIRECTLY COMPENSATE ( 1 ) XXXX  XXXX, XXXX XXXX XXXX XXXX {$440.00}, ( 2 ) XXXX  XXXX  XXXX  {$550.00}, AND ( 3 ) XXXX ( XXXX XXXX XXXX XXXX ) {$5900.00} FOR UPCOMING XX/XX/XXXX through XX/XX/XXXX workshop attendance. There lackadaisical attitude is interfering with THE CONTINUITY OF COMPETENT ( SAFETY ) CARE AND SAFETY TREATMENT FOR ME. I am an emotional wreck, and now they are wreaking havoc on bank account preventing me from getting stable banking accounts because they are directly causing me to incur THEIR DEBT BECAUSE THEY DONT PAY THEIR ITEMIZED BILLS GIVEN TO THEM. 

Sincerely and Respectfully, XXXX XXXX XXXX  Phone : XXXX Email : XXXX XXXX

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 2020-01-25 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: U.S. BANCORP
State: CA

Complaint narrative:
This complaint regards to the business credit account ending XXXX with the U.S. Bank. This account has been closed by the bank in XX/XX/2019. I have finished the spending requirement to get the signing up bonus points before the closure. I also received a statements after the closure, showing that there are XXXX " Flexpoints '' in my account. I called the bank and was declined access to those points. The Flexpoint is worth XXXX cent per point if redeemed against traveling charge on the card, according to the bank 's rewards term. The bank should unfreeze XXXX points or issue me a check in the value of those points.

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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Good evening my name is XXXX I have an account in XXXX and they send me reports about my credit and I just got 2 different hard credit inquiries in 4 days without my authorization and without asking for any loan or new credit car at all in the last months. 
just want to be sure there is not any problem with identity theft. 
this are the companies and dates : XXXX XXXX XXXX on XX/XX/2020 Comenitycapital/XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Macys XXXX  XXXX. i signed up for paperless billing. their bills went to my spam. they made it very difficult to pay your bill. i checked it monthly just in case and paid my bill. i didnt know i owed them. ive never missed a lyme this in 20 years of being an XXXX  customer. i lost the card. if you dont know your account number youre cant get a new password. if you call, you sit in hold for an hour. finally i paid my balance in full. but they of course ruined my credit for punishment. this is the very reason consumers need protection against predatory cc companies.

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 2020-01-25 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: NV

Complaint narrative:
I receive a notification from XXXX XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called Equifax and XXXX XXXX and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. Equifax and XXXX claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date XXXX XXXX and Equifax have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and XXXX XXXX and Equifax never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: CA

Complaint narrative:
On XX/XX/XXXX I received a debt collection notice from XXXX XXXX XXXX Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is Citibank NA and is regarding an XXXX XXXX account Account # XXXX. I did not apply for credit account with XXXX XXXX Citibank N A. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or Citibank NA. I did not apply for this credit and this is not my 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 explanation