vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from XXXX XXXX XXXX. The name on the judgement was XXXX XXXX XXXX. I contacted XXXX XXXX as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. XXXX XXXX XXXX failed to provided me a validation of debt letter at the address they filed the lien on. XXXX XXXX failed to contact me prior to obtaining the judgment or lien on the property. XXXX Mortgage per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. This is also the address in which this individual was served notice. XXXX XXXX knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. XXXX XXXX knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. XXXX XXXX has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I started to work for the company LOAN DEPOT in XXXX of 2020. They Promised me a new position as a manager. This position the company has never had any of there current employees perform, so this is a brand new position opening up just for me. I accepted the job offer with the company they granted me a XXXX sign on, however I would need to stay with the company for 1 year prior to this guarantee being terminated. After accepting the offer and within the first month the job they had me doing was not the job they had me sign for. Nor would I ever be able to make the living I was hoping to make and they have promised me. I have a family and a home! There offer was a complete lie and I needed to make a change to clearly provide to my family. When leaving I asked if they would remove the guarantee they provided and they said no because I sign off on a contract to them. At that time I also stated back to them the offer they gave me and what I received were two different things and the offer was not held up on there side. They have no sent me to collections, I'm a licensed XXXX with another company and having problems with some state licensing because now I have an XXXX collection on my credit. The collection company calls almost daily, threatening me they were going to send it into collection and they have. So, why do they still call? Also, loan depot will not do a thing about it. I lost out on so much and was lied to from the beginning from one of the largest Mortgage companies in the US. I need this collection off my credit report. I'm asking for assitance from the wrongful way I was treated and being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, this is following complaint of XXXX at Chase Credit Card. 
I just spoke with the Agent XXXX ( I XXXX ) at XXXX on XXXX. 

She accused me even though when I tried multiple times to make her understand the situation the whole 3 months process. When she did not even calculated the amount, doesn't have my fax, doesn't have my e-mail follow ups. 

I said the payment that I made on XXXX XXXX  is actually including some of the future transactions from that day. However, if you look at the next statement, those transactions are not reflected and miscalculated so Chase still charged me. I calculated and I don't think it matches so I sent this information of transactions I think it needed to correct to Chase to make sure. 

However, the Chase agent kept saying that I am responsible for the charges so I said that is not my point and I already said I am willing to pay the original amount but not the late fees because I followed the directions that you guys told me at the bank and the agent over the phone. 

She simply ignored and keep saying her point that I am responsible for the transactions even when I tried to explain when she had no data at all of my follow-ups. so I told her then can you calculate from XXXX to XXXX to the point that I made on payment. She said no and I asked her why but she kept saying no. She was just insisting me to settle the payment today without any actual information checksor detailed information. Even worse, when I asked her why she just ignored.

This is corporate 's threat when I tried so hard for three months to understand them and corporate them. Sadly, none of these were followed up and I asked to check the information they don't try.

I am not going to pay any late fees at all because I followed up the directions that Chase gave me and it is Chase 's fault to tell me the amount that I need to pay. Also I have been corporating very well for three months. Not only actively asking and making phone calls, but faxed them as well. However, Chase keeps making mistakes and they just want me to cover for their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I recently sent out disputes regarding a collection account that is listed on my credit reports that should not be there. To begin I have no legal obligation to pay this alleged debt nor is there a legally binding agreement in place either. To further proper validation was not provided by the company XXXX XXXX XXXX per the Fair Debt Collection Practices Act ( FDCPA ). Also per the FDCPA I XXXX XXXX is the original creditor per definition in both the FDCPA and the Truth in Lending Act ( TILA ). As stated in the Fair Credit Reporting Act ( FCRA ) if an item is deleted then the consumer is to receive a written letter within 5 days of the reinstatement of an item to the consumers credit report. To further this item or anything else should be listed on the consumer credit report as it is in direct violation of 15 USC 1681a ( 2 ) ( b ) as extensions of credit whether directly or indirectly should be excluded from the consumer report. In addition, per 15 USC 1681b ( 2 ) I have included my written instructions to remove all listed accounts and information from the consumer report. To further the report should be clear due to the violation of the consumers privacy by the credit reporting agencies and the credit reporting agencies not having a court order for the consumer credit report as well as the instructions from the consumer. I have received notification that the alleged debt was closed and removed for the consumer credit report. As the natural person I am demanding this invalidated item be removed from my consumer report.

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 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt does not belong to me and is showing on my credit pass 7 years. Equifax & XXXX is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I opened a Chase Credit Card account last year. I don't need this credit card, but I opened to boost my credit. I closed out most of my credit cards due to fraud. My bank account was hacked last spring so I closed out most of my accounts. My credit took a hit. I am retired from the XXXX and have a good retirement and social security. I opened this account and received a paper statement finally. I don't use online anymore as I have been hacked and somebody is still watching my online key strokes and know when I changed my password which is frequently. I want to stay offline as much as I can. But too many businesses want to go paperless. That doesn't work for me. But hard for companies to send paper statements. As of right now I have kept one credit card. And have canceled the rest. So what Chase had done finally has sent a paper statement and charged a late fee of XXXX dollars. I called and canceled the card immediately. I tired of these companies taking advantage of veterans. They are not reasonable. I tired of their charges. I don't need any credit card. They don't want to send paper statements. That's the way XXXX due my bills. I tired of these businesses wanting to go paperless. The least they could do is send a email. Then I would know they got the payment. I gone back to writing checks and I won't do automatic payments. These companies are making a killing with their unjust Charges. They profiting off the consumer. I have a good payment record. I do need company like this nor do I need they service. I paid their fees and closed the account. I don't some company dictating there terms which is pages of garbage that you need a lawyer to figure what it says. So much for simple. I paid in cash when I joined the XXXX and never had credit card in my first 5 years in service. This is not the way I want to be treated. I have always done the right thing even if nobody 's looking. So if can look into this I would appreciate it. 
Chase. Don't need them nor do I want their service..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XX/XX/2021 {$76.00} Tried making contact with the debt collector

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XX/XX/2021 - I was informed by XXXX XXXX XXXX  my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX  per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK  XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2021-08-26 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: MI

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these inquires that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Contacted creditors & bureaus 60 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot mann

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Hello my name is XXXX XXXX, Ive had my account frozen through XXXX XXXX for some time now. Ive reached out to them multiple time. They informed me my account was on hold because it was not a business account which is completely fine. Capital one never mailed me a check or anything with my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Debt does not belong to me and is showing on my credit pass 7 years. XXXX & Experian is showing a XXXX XXXX inquiry on my credit and should be deleted and removed from my credit report. two accounts are affecting and hindering my credit and opportunities greatly.

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 2021-08-26 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide Credit & Collection Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

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 2021-08-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Contacted creditors & bureaus 40 days ago regarding this issue with reporting inaccurate information on my report. They disregarded me & went against multiple laws one for instance fcra section 609 Now I ask that these accounts that wrongly reporting be removed off my report as soon as possible. I dont know how this happened & it is hindering me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
The consumer finance bureau has picked up a debt that was originally held by XXXX XXXX who determined that this and another debt were paid by my insurance and the debt collections were unfounded. I was not a patient of XXXX by 2016.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NM

Complaint narrative:
My account with credit acceptance is fraud! I don't have any reqalection of this account!

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 2021-08-26 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
Good Evening, I was on Covid forbearance with a previous lender when my loan was sold. 

Original loan was with Rushmore Loan Services New loan is with XXXX XXXX XXXX As I was running my credit report I saw negative remarks from original servicer of the loan which was Rushmore Loan Services. 

From what I understand there should not be any negative remarks when a servicer sells a loan to another company and there is a 60 day grace period from a sale of the loan. This did not occur for me and now there is a negative remark on my credit report. As followed I sent information to my original servicer and they could not tell if they received my information via fax and was given a run around. I am fighting to keep my home but I had to sell due to some hard times that everyone is facing not just me and making sure my credit is intact for my family. I just want this negative remark to go away but do not know what to do next. 

Please help Thank You and God Bless

Company response to consumer: Closed with explanation