vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The New XXXX XXXX XXXX XXXX  Website is Here AXXXX XXXX   XXXX Shop smarter by taking advantage of all the featured offers Alert : Change to your credit file detected, XXXX XXXX  Experian to me 7 hours agoDetails Experian Membership ID # XXXX   Member Sign In XXXX , please review your alert Credit file There's been a change to your Experian credit file.

Click for details Image Image Don't forget If something looks incorrect on your Experian credit file, dispute it in our Dispute Center and well review it.

File dispute XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book.

Privacy Policy XX/XX/2018 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.

XX/XX/2018 XXXX XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US Experian Reply Forward XXXX XXXX XXXX Conference on " Integrating Spirituality, Mindfulness and Compassion in Me ...

JXXXX XXXX XXXX XXXX No Images? Click here XXXX XXXX XXXX Email Blast Powered By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Like Share Forward Preferences | Unsubscribe This is the problem when requested to " unsubscribe '' with Experian marketing, promotions and charges for further credit reports was not a follow response that my email will be removed only that Experian is aware of a unsubscribe will continue send emails against a consumers wishes! If there others out there experiencing an like this I have file a compliant about this breach and imposed continued harassment of unwanted emails that needs investigation and amendments to respect others right to privacy instead still using it as a source of public records invasion, too!

Thank you for this time to respond to these wrong doings!

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 2018-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Hello The loan servicing company is rejecting my mortgage payments. I have been in contact via the mortgage specialists XXXX XXXX and XXXX XXXX. So far I have no response why the loan service co is not accepting my payments, although in the last payment I have overpaid the loan servicing company.

Sent an email to XXXX XXXX Received no response. Sent another one and XXXX XXXX  referred me to XXXX XXXX. No response.

Here is the last email.

XXXX XXXX  <XXXX> To : XXXX XXXX Cc : XXXX  XX/XX/XXXX at XXXX XXXX Please provide customer with response. Thank you, XXXX XXXX XXXX is not providing a response. He is on a mission to bankrupt me. He is delaying his response on purpose so that my payments are late. He asked me to send a little over {$6000.00}. I sent over 10000 and he did not accept my payment.

Here is the bank proof that I have sent the moeny.

Dear XXXX XXXX : We sent this payment, but your payee rejected it and your bill hasnt been paid.

Payment to Rushmore Loan Management Service from account XXXX for {$1500.00}, to be delivered by XX/XX/2018 XXXX.

Please make sure you've entered all of the payees information correctly. If you make changes, you can try to send the payment again. If everything looks right, please contact your payee.

If you use personal financial management software, such as XXXX  ( R ) or XXXX XXXX ( R ), please look at your payment details for the most up-to-date information.

Have questions? We offer many answers, and other ways to reach us, at XXXX.

Please don't reply to this automatically generated email.

We know you have a choice of banks. Thanks for choosing ours.

Sincerely, Your Online Banking Team

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: OK

Complaint narrative:
i spoke to XXXX explained i know longer owe the debt and to remove it from credit report, and that they also reported the wrong amount for collection, and are require to delete. she say it can take 90 days if they decided to remove it. but took less then a day to put on reports. 
the debt has been cleared

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Biehl & Biehl, Inc
State: NY

Complaint narrative:
I had lost my job and was unable to pay XXXX - I did contact them but they turned me over to Biehl and Biehl Collection Agency - other agencies I have dealt with were under- standing and said they would make note of my account.

The first time I called Biehl and Biehl they were nasty as told me why did I order XXXX if I didn't intend to pay - I have dealt with XXXX over 60 years and this is the first time I had a problem - I called them as I said and they were nasty but told them I could not pay what I did have and hopefully one day get a job which at XXXX  is not easy and pay it eventually - XXXX  would not accept small payments and wanted half one month and half the next month which I couldn't do.

I got another letter from them informing me I ignored their request for payment and want it immediately - I tried calling again but you get put on hold forever so I sent them a letter.

Even going on the web their reputation is not the best and there are other complaints about them being nasty - as I said other Collectors are nice and say they will make note of it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX just reported a {$2800.00} debt on my credit report, and I have no idea where this debt came from. Prior to its appearance on my credit report, I did not receive a notice of right to dispute. I am supposed to receive this notice at least 30 days prior to a debt being reported, but I never received such a notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have been trying to cancel my membership for over a week now. It says on XX/XX/18 my card will be charged {$21.00} and there's no way to delete my card information. For one, that is super shady, and two I want my card information off of their website. Their spam advertisement on XXXX conned me into thinking that I was only going to be charged a dollar and now it looks like I can't delete my card information and am going to be charged a monthly rate of {$21.00}. I want to cancel my membership and delete my card information off of their website immediately. I have tried calling multiple numbers listed on their website and NO CUSTOMER SERVICE REP will get on the phone. I haven't been able to reach ANYONE at ANY time every day I call. This is pathetic and unprofessional.

I WANT MY CARD INFORMATION AND ACCOUNT DELETE IMMEDIATELY.

Thank you.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc.
State: HI

Complaint narrative:
Numerous phone calls to employment- when call not returned with in five minutes sent over a bartender from restaurant next to employment with questions why a debt collector is calling them to bring messages to my employment.

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 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AUDIT SYSTEMS,INC
State: PA

Complaint narrative:
I continue to get calls from a company called ASI that claims I had a debt with a company called XXXX. The phone number I have for them is XXXX. I do not recall ever doing business with a company called XXXX. Additionally, I do not, to the best of my knowledge, have any past due debt with any company.

Before proceeding with the several of the calls, I indicated that I will not provide them information on myself, nor will I discuss any debt, until they send me written confirmation of the debt so I can validate this is authentic. I have instructed them to send the documentation to the address they have on file for the debt, since I will not provide them any information on myself since I believe this is fraudulent.

The company refuses to send me any documentation and continues to call me 1 - 3 times per day. This has been ongoing for approximately 4 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: MI

Complaint narrative:
There are unauthorized inquries on my report that i haven't initiated i have no connections with these companies and asked that they be deleted from my report. Items listed below XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX/ XXXX   XX/XX/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 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
On XX/XX/2018 the representative, XXXX, contacted me after being informed to not contact me and that I would contact her when I had the funds. At XXXX XXXX CST XXXX violated a FDCPA law by providing information about my account over the phone without verifying my account nor insuring she was speaking to the correct account holder.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Used Financing through T.D. Bank in order to take advantage of a buy one get one free deal on a pair of phones XXXX was selling directly. There was a special incentive to use " their '' financing option which I took.

Upon making the purchase I entered my banking account information ( which they can verify the date at which I did ). At that time I paid an initial down payment and setup Auto-draft payments.. or so I thought. 

A few months later when the free interest option was / is going to expire ( XX/XX/XXXX ) I logged into the T.D. Banking portal to check the balance in order to pay the phone off. I discovered there to be almost 300 dollars in additional " late payment fees ''. 

I called and spoke to several representatives about paying the phone off minus the incurred fees since I had not received any communication via email as I signed up for the paperless option. They said they send letters in the mail none of which we have received.

We did not receive anywhere near a responsible amount of communication letting us know something was wrong with our account from T.D. Bank. They had added tons of fees as well as already reported to a collection agency which hurts my credit.

When speaking with agents at T.D. Bank they are completely dismissive and act as if a communication error could have never occurred on their part.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11 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: Diversified Consultants, Inc.
State: TN

Complaint narrative:
This company is not operating under the guidelines of the FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter or any communication with them before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company 's business practices as well. Diversified Consultants , inc . VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have unauthorized inquires on my credit report, i have disputed these accounts with the company themselves and they have no knowledge of such inquires. The below listed inquires are unauthorized and need to be removed. 

XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 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: CITIBANK, N.A.
State: MI

Complaint narrative:
There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.

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 2018-04-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Ignite Revenue, Inc.
State: OH

Complaint narrative:
The bailiff threw me out of XXXX XXXX XXXX, XXXX, OH XXXX on XX/XX/2015. I lost everthing. I had to stay in hotels. I WAS DISPLACED. THAT MEANS I WAS CONFUSED AND DISORIENTED. 
Since then I have been working on my credit. 
I wish XXXX XXXX would let me pay off Account # XXXX. 
Because i need my credit score to increase to improve my lifestyle. 
Please assist me.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. 
Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. 
Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! 
I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! 
Please help in resolving this matter. Ive tried for quite a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXX XXXX. XXXX XXXX stated I had a car repossessed in 1997. I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. 

1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The letter stated that I was delinquent on a loan. I was instructed to pay the amount due by the due date. If payment was not received I would be considered in default. The letter further stated that if I did not notify them within 30 days after receiving the notice that I disputed the validity of the debt or any portion thereof, the lender would assume the debt was valid. No loan information was provided in the default letter. 

I never have nor would I ever apply for a loan with XXXX XXXX XXXX, which I believe is an online payday lender. I contacted the company using the site provided in the letter ( XXXX XXXX XXXX XXXX ) using the Contact Us feature and notified them that I did not apply for loan through nor did I receive funds from their organization. The organization did not accept my notice that the debt is not valid. 
In follow-up correspondence that I received, the following information was included regarding the invalid debt. 

Customer Information Loan Information Original Amount : {$1000.00} Fee on Appl. : {$300.00} Payment Due : XX/XX/XXXX Application Date : XX/XX/XXXX Origination Date : XX/XX/XXXX While my social security number and address were correct, all of the other information provided by XXXX XXXX XXXX is not. More specifically, phone numbers, e-mail, payroll, bank, and employer information is not correct. I do not have a XXXX XXXX  XXXX account nor have I ever worked for XXXX XXXX XXXX XXXX XXXX failed to do its due diligence ( e.g., credit bureau report ) that would have confirmed that I am not the borrower. 
My situation is identical to the allegations, more specifically Collecting loan payment which consumers did not owe, noted in the action taken by the CFPB against XXXX XXXX XXXX on XX/XX/XXXX. 
I did not apply for a loan with XXXX XXXX XXXX. I did not submit any of my information to the organization nor did I sign any loan documentation. This company needs to be shut down for its inability to confirm the identity of its borrowers and aggressive collection efforts against individuals that I have not applied for credit with them.

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 2018-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial Systems has been trying to collect a debt of {$910.00} from me from a hospital visit I had in XX/XX/XXXX. I've tried to work with them with no luck.

Now they have added a " new '' debt, with an " date opened '' of XX/XX/XXXX. This is causing two collections on my credit for the same debt, with one being for {$910.00} and one for {$920.00}. The one for {$920.00}, was with their {$10.00} fees included on it, but not listed. The original " debt opened ''.

How is it legal to report the same debt twice on my credit report. They have been very harassing and uncooperative with this debt since it fell into their hands years ago.

Company response to consumer: Closed with explanation