vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Attempted to contact family members several times. Successfully contacted a family member XX/XX/18 and told them the amount of debt owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Hi Dear CFBP Team, My name is XXXX XXXX. Recently I got affected due to the natural disaster in Florida and you help me getting a plan with Ocwen to pay the amount of {$1900.00} for a period of 6 months ( XX/XX/XXXX XX/XX/XXXX ). I recently sent a payment and Ocwen voided. So I called Ocwen today XX/XX/XXXX ( XXXX / agent XXXX ) and they said that because I was 48 days behind they proceed to cancel the plan and now they are requesting me to pay the 6 months all at once. I asked them why they did not informed me any of this and they said that the plan closed automatically and that they do not inform about this. So, I asked them to reopen the plan they said they can not and that I have to pay 6 regular months to put my house up to date. 
Obviously they are aware of my situation and there is no intention to help me. It is true I was behind few days but I sent the payment and they rejected. 
I really appreciate your help to this matter. 
Kind regards, XXXX XXXX Ocwen Acct # 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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Garrison Investment Group
State: LA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Commercial Services, Inc
State: IL

Complaint narrative:
This debt was settled and paid to National Commercial ServicesXXXX XXXX a XXXX XXXX on XXXX XXXX. Creditor agree to update my credit profile and as of yet it as not been updated. Still showing a Derogatory make on my XXXX XXXX  credit report.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ON XX/XX/18 I TRIED TO CONTACT EXPERIAN TO REMOVE A CREDIT FREEZE. I COULD NOT GET EXPERIAN WEBSITE TO FUNTION. I CALLED AND WAS UNABLE TO GET PAST THE AUTOMATED PHONE SYSTEM. IT SEEMS THEY HAVE DEVISED A PERFECT SYSTEM TO AVOID ANY CONTACT FROM CONSUMERS. THIS IS DELIBERATE DISCRIMINATION AGAINST CONSUMERS DESIGNED TO FRUSTRATE THEM INTO GIVING UP. I HAVE SENT THEM A LETTER REQUESTING THAT THEY CONTACT ME.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: NC

Complaint narrative:
I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have asked the bureaus numerous times to update all of my personal info ( name, address, employer ) and they refuse to remove information that is inaccurate.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I applied for a mortgage at Wells Fargo, was assured I would get it. Had an appraisal in hand from my recent divorce. The bank took my money, gave a ridiculously low appraisal and declined ( {$450000.00} ) me. The appraiser used INCORRECT square footage, which he refused to correct ( or even measure ). The bank also refused to use correct square footage ( I hired an architect to measure ).

Less than 30 days later, XXXX XXXX   appraised THE SAME HOUSE for approximately {$600000.00} and the loan easily passed through. The XXXX appraisal was in line with past appraisals and opinions of local Realtors.

I do not believe that my house 's value changed 33 % in 30 days, nor do I believe that such a deviation in value is merely chance or error. I believe that Wells Fargo was disingenuous about its interest in lending. They were either unwilling or unable and encouraged me to proceed DISPITE these facts.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: IL

Complaint narrative:
My information was part of the XXXX and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.

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 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
Gold Key Credit Inc is attempting to collect a debit of {$710.00} from me that is not mine or owed, I will keep fighting until this is off my credit.Its against my rights and illegal my name is being slandered for something that is not mine remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: MN

Complaint narrative:
In XX/XX/XXXX i moved to a new residence that offered Cable tv but not XXXX ( satellite ) I had been loyal and always current with my payments to XXXX for over 10  years prior to moving. 
I called to cancel my service with them in XX/XX/XXXX at which point i was asked by the service rep to consider staying with XXXX which i declined since my new place offered Cable services instead. He then asked to put my account in suspension that way i could always return to XXXX if i chose to at a later date and again i declined. At this point my only responsibility was to pay off my balance and return any and all equipment which i promptly did. 
Fast forward to XX/XX/XXXX i notice a derogatory mark on my credit report dropping my score by 23 points. My account had been put into collections with XXXX XXXX XXXX by XXXX. Needless to say i was confused and angry. I lodged a dispute with XXXX credit bureau and called XXXX to find out what was going on. Apparently the XXXX rep chose to put my account on suspension and as a result i was being billed {$160.00} six months after i moved. They claimed they tried calling my cell # ( never leaving a voicemail to at least let me know ) and sent mail to my old address to inform me of this. Really?? And why would they do that knowing i had moved? They asked that i take it up with collections as they had passed it on to them. Collections asked that i settle the amount with them for {$85.00} or it would forever be on my credit report. 
This type of practice is wrong and should be looked into. What both parties want is that i settle with XXXX for {$85.00} but my account remains open and if i were to ever return to using XXXX  i would have to pay the balance of {$80.00}. BIGGEST SCAM going!! I WILL never ever recommend XXXX to anyone and i hope this type of practice gets investigated. 
One last thing ... anyone with half a brain should ask '' why would i ship all XXXX 's equipment back to them if only in 6 months of moving i would still want to use their services? '' Please someone look into this because they will continue to do this to people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested validation on acct # XXXX and I have yet to receive sufficient validation information. A statement is not sufficient validation. Please provide paperwork regarding this debt, namely a contract signed by myself authorizing the original credit line or interest/fees information authorizing the debt collector to add additional expenses to the original debt balance. 

The date the debt was transferred from the original creditor to the third party debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
TD Auto Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a paystub from Wells Fargo, for money owed to me. Paystub states check date of XX/XX/2018, for deposit to my checking account. It was not direct deposited. I called payroll, who told me to call another department. After 7 calls, an outside vendor confirmed that the money was disbursed to Wells Fargo for further payment to me and sent me back to payroll to find out why it was not deposited. Payroll sent me back through the same calls. I do not have my money. Previously, another complaint about Wells Fargo. They paid me, then sent a dunning letter, telling me they had overpaid me and demanded the funds back. I don't know if this is similar situation where they tell me it is my money and then take it back.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loans has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FC HoldCo LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to state that I was over 90 days past due on my auto loan. That is not the case. They are reporting to the both XXXX and XXXX negative payment history. I would like this information removed.

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 2018-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
XXXX XXXX acct # XXXX I pulled a copy of my credit report and XXXX reported a collection item for XXXX XXXX XXXX. i paid the hospital and even received a refund check from them for over payment. I have attached proof. This has damaged my credit.

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 2018-04-23 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I got an alert from XXXX and Equifax and XXXX that my account is 60 days late which is not correct I brought my account current as of XX/XX/XXXX so why am I being reported 60 days late. I called the number on the back of the card and got the run around. I made a payment of XXXX dollars on XX/XX/XXXX then I made a payment of XXXX dollars on XX/XX/XXXX which brought it current then XXXX XXXX XXXX   reports me 60 days delinquent on XX/XX/XXXX which is incorrect it should be reporting current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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: DC

Complaint narrative:
I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

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 2018-04-23 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: DC

Complaint narrative:
I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

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 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This account was unauthorized. I am a victim of identity theft.

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 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
XX/XX/2016 {$120.00} as past due So Im contacting this company directly to let them know this is not my debt.

Company response to consumer: Closed with explanation