vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
The incident/phone call in question began @ XXXX XXXX on XX/XX/XXXX So tonight at approximately I received a phone call from my mobile device at XXXX XXXX, I ignored the number as it was listed as " unavailable. '' I work in a XXXX and at XXXX XXXX, an employee from another unit brought me a piece of paper that information containing a name and number : XXXX XXXX was the name and the number was XXXX with an extension of XXXX. I called the number not knowing who would be calling me. XXXX answered the phone and said he was from Midland Credit Services and stated that he was reaching out to me settle a debit of a little over 600 dollars from a XXXX XXXX credit card. He told me that the card was opened up back in XX/XX/XXXX and the last charged used on it was in XX/XX/XXXX. I informed that I have never owned a credit card. He put on the phone with his manager next. I honestly do not recall the manager 's name. He verified my address, my last 4 numbers of my social security number. I insisted that I have never owned a credit card and he began to try and convince me that my wife could be trying to use my information or try to steal my information. He had stated that the last purchase used with this card was at our local XXXX. I again said I do not own a credit card and he said this could negatively affect my credit and I need to get this resolved asap. I went on the offensive and said I find it shady that a credit collection agency would be calling me at XXXX. He said we are the largest debit collecting agency in the United States and insisted that I look up the information on XXXX XXXX and he offered to read the credit card number out to me over the phone. I hung up and called my wife. My wife insisted that she has never owned a XXXX XXXX card and told me to not speak to them and just hang up. I hung up with her and Midland called me back. I told them to not call me back again and he still insisted that he " wasn't trying to pull one over on me. '' and that " I'm not some guy living in a basement. '' At that point I hung up on him and blocked the number. I have read online that they are not an accredited company and that they threaten to sue you. I am very worried as I previous said, I have never owned a credit card and for him to insinuate that my wife was being nefarious behind my back, really upsets me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
This company appeared on my credit report as a collection. shortly after I received a letter in the mail regarding this account. I have spoke to various people at this company to try and resolve the matter they have not sent me any validation for this account I told them this was not my account but the collection calls keeps coming with no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage was sold to PPH from OCwen ( another story ). Apparently, my payment was increased by {$17.00} a month due to a shortage on my escrow account. No notice went to me, so I am making my normal payment. Well PPH holds my payment ( which is {$3400.00} ) and doesn't apply it until the next month when I make my payment again. So I have this rolling late of {$17.00}, then {$34.00}, then XXXX, etc ... I pulled my original note and no where on there does it say that I need to pay more than the principle and interest payment due {$2000.00}. So I don't even know if this is legal, to mark me late for a shortage on my escrow account, and reassess it, and not notice me .... According to the note, the principle and interest payment is to be applied first. Not sure where to go from here, but the escalation manager apparently owns the company since she said she did not have a manager

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IL

Complaint narrative:
When I send in my payment and payment coupon with extra money to be applied to the principal, my mortgage company applies the entire amount as additional principal and NOTHING to my monthly balance, resulting in late payment notices and penalties. Im currently paid through XX/XX/2019 and Im being told I still owe for XX/XX/2019. I have talked to them 7 times and followed their instructions twice and still have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: OH

Complaint narrative:
Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!

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 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I signed up online for TransUnion 's free credit report. TransUnion explicitly stated this service was free. At one point in the application, they asked for my credit card information which I provided. Nowhere in the text provided did it share I will be charged. 

I looked at my bank statement and I now have a {$24.00} monthly subscription charge! I am outraged by this false advertising. Three people I know who also signed up for their credit score are equally shocked. How is it possible that all 4 of us independently are mystified by this subscription charge when we carefully read the text for the form? TransUnion knows exactly what they're doing - taking advantage of consumers and charging hidden fees when it is not stated anywhere. 

I see that TransUnion has already been charged for exactly this deceitful practice! They clearly have not learned their lesson. Link : https : //www.consumerfinance.govXXXX

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 monetary relief
Consumer complaint received 2019-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A loan for {$3000.00} was taken out on XX/XX/2019. The account was paid in full on XX/XX/2019 in the amount of {$2800.00}. A refund check for overpayment was issued in the amount of {$270.00}. Trying to utilize my VA home loan in XX/XX/2019, I discovered that my credit report reflected that I still owed {$310.00}, and it was reflecting that I was still making monthly installments of {$130.00}, which is having a negative effect on my DTI ratio. I believe I have disputed it twice, with no change in anything. I called the company on XX/XX/2019 to discuss why it was not being reported as paid/closed, and it turns out they sold the account to another company, XXXX, in XX/XX/2019, and because it was sold, they could not give me any information on my account. I called STP, and the representative told me that she could see the account was paid off with a refund check issued as well. XXXX had tacked on another two hundred and something dollars for reasons unknown and she would have her supervisor contact them to get more information and have someone from XXXX to call me. Two days later, still no response from anyone. Also, I was told that another customer was having the same issue, so obviously this isn't the only time XXXX has done this. I just want this account to show correctly on my credit report, because what they did and are doing can not be legal.

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 2019-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ascendium Education Group
State: LA

Complaint narrative:
I set up auto payments with XXXX/ Ascendium but once i gave them my info they sent garnishment to my employer ( not a problem ). They have since sold my account to XXXX but they are still garnishing me. XXXX advised that they now have my account for repayment but i advised that I'm still being garnished by previous company. They advised to call them to see why garnishment is still in place since they sold my account. I'm being bounced around, nothing is being reolved. I feel as if I don't know who i should be paying. If they sold/forwarded my account why are they still garnishing me. This is why i don't give my account info/ employment info out, i don't need several companies drafting or doing whatever they want with my account. I am a single parent trying to pay off this headache of a loan all while still being able to take care of my XXXX kids and other financial obligations. Garnishment is {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: OH

Complaint narrative:
Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi - I have requested the CRA 's to removal unrecognized inquires from my credit report. I have even sent letters directly to the companies listed and none have been removed. This effecting my credit score and causing me issue when obtain credit. 

These inquiries were pulled without my permission the credit agencies are not doing anything about neither is the data furnisher. I have requested them to prove I have provided them permission to pulled my credit and they have yet to do so. It have been over 35 days of me requesting this information. 

I will file suit if the issue is not addressed. I have attached all of the certified letters sent directly to the company and the credit agencys as they have not done any type of investigation. Please take action!

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 2019-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KLS Financial Services, Inc
State: AZ

Complaint narrative:
This company KLS FINANCIAL SERVICES which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

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 2019-08-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Received almost 50 percent interest on the Home Depot Store Credit Card. Made attempts to discuss options and resolve with merchant, but was unable to speak with a helpful person. Total balance due on the home depot card is beyond what is manageable. Balance has more than doubled and seems impossible to maintain.

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 2019-08-22 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: CA

Complaint narrative:
Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship 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 2019-08-22 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: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
Wakefield associates is claiming i owe them. This information is either an error or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I paid for a repossession fee back in XX/XX/2018. The amount was {$750.00}. 

Immediately after, I was billed for a 2nd repossession fee in the same amount of {$750.00}. This has been on my credit report for 18 months now. 

I have reached out multiple times to the company to resolve the issue. They have already admitted fault, but still refuse to remove the additional fee. They tell me to call another department who was unable to remove it from my account. The latest communication was XX/XX/XXXX where they said they would adjust {$700.00} off my account, which means they are keeping an extra {$48.00} for no reason. 

I am unable to trade in the car or pay off the loan without paying that {$750.00} fee. I am stuck with the car, which I have been planning on trading in for months. I have filed multiple complaints with their customer service department since last XX/XX/XXXX, and nothing has been done. My credit is being affected as well as the freedom to do what I want with the car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-22 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Identity theft XX/XX/2011. Never been able to get credit report on annual due to not being able to verify my identity. 

Learned tonight, after 3 hours waiting for Equifax to answer, I was advised there is an EXTENDED on my Equifax.

Now, apparently id theft has happened with Equifax. Someone submitted documents to Equifax. Now there is someone tampering with my Equifax report and that is identity theft.

I requested copies of the paperwork that was obtained to of made the alert possible.

I was told I am not allowed to have the information. I am completely locked out of my account and not able to monitor.

Equifax, is not working with me ; yet against me. Should not credit bureaus be working with victims of ID theft?

They made it difficult, and after 3 hours back to square one. Phone disconnected and none of my concerns or actions necessary to protect myself are possible.

I am concerned with the way they identified me. They asked questions that anyone could answer. Of course because someone used the info to add the extended.

I asked her to verify my calling me or texting. I feel safer and its a good tool. I was told they are unable to do that.

Equifax is part of the problem and if they dont cooperate ; what can I do? Submit a complaint to CFPB in which they never acknowledge any of my complaints.

Equifax needs to change their policies to ensure there are extra steps of getting a consumer verified other than asking questions, that someone has from ID theft.

The entire waste of time, without any resolution, and still locked out.

How do I get around this which, should not be difficult in the first place and what reasons are they unable to send a code to our phones and we verify.

The only option they offer, is an email to click a link and emails do not always get delivered quick. I was told to wait an hour, I accept that.

Why would they not take extra secure measures to verify my identity? It is already been established ; someone submitted a copy of my social security, proof of address, and other documents they require for an extended. Am I the XX/XX/XXXX consumer who finds many holes in this process that does nothing for protecting and verifying my identity.

Lastly, if you require further information, how do you communicate with the person filing a complaint? Is there a portal or account options so consumers may have access to reports submitted?

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: AZ

Complaint narrative:
This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22 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: CA

Complaint narrative:
Please reverse the late payment reported on the particular account : XXXX XXXX The account was never past due, I never made a late payment to this company ever please change this, I have a good relationship with this company.

Company response to consumer: Closed with explanation