vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
I lived at the XXXXXXXX XXXX XXXXXXXX XXXX between XXXX XXXX XX/XX/XXXX. 
The company claims I skipped out on my last months rent and did their walkthrough in XXXX, two weeks after the end of my lease. 
They claimed to have made attempts to contact myself and XXXX contact but no attempts were made. 
I emailed the office at XXXX on XX/XX/XXXX, giving my notice to vacate 60 days later on XX/XX/XXXX at the end of my lease. I have the screenshot and time stamp that proves my statement to be true. 
I was given no response. This was all in XXXX. 

This property The XXXX  XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX, Tx. And is managed by XXXX XXXX. 

Fast forward to XX/XX/XXXX, I receive a notification that a collection was opened in my name with the debt of $ XXXX from a XXXX party debt collection agency, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX alleges this account was opened XX/XX/XXXX. Almost 4 years after I moved out, XXXX XXXX sold a collection amount in my name to a 3rd party agency. 

I have reached out for a copy of my lease and move-out statement on two different occasions. Once back in XXXX, I called asking for a rental verification for myself and was rejected for reasons that can be disclosed by The XXXX XXXX XXXXXXXX XXXX. In XXXX, when I was working at XXXX XXXX, I called and sent over a verification for rental for myself from XXXX XXXX. They did not believe it was valid and chose not to respond. They claimed to have called XXXX XXXX  management to verify but had they called, they would have spoken to me. 

XXXX XXXX claims to have made attempts to collect this debt before selling it to a 3rd party agency but had they tried truly, they would have emailed the email ( my current email ) that I used when submitting my notice electronically ( I submitted a written one in person as well ). They would have also told me about it the times I called to speak about requesting a copy of my lease. 

They have refused to give me a copy of my lease for the last 3 years. Then after 3.5 years, they sell my account to a 3rd party collection and refuse to speak or communicate with me per their rules of engagement.

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 2021-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I received an offer from Credit Karma to open a savings account to help improve my credit score. I was informed that if I deposited {$250.00} they would send me a debit card within 7 days which I did and it has been over 2 months. After contacting them multiple times they locked my account and do not have access to my money. All correspondence is through email so I can not contact them in other manner. I am skeptical about their debit and I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2020 I was charged a total of {$3800.00} in two debits of {$1900.00} by XXXX for two tickets on XXXX from XXXX XXXX to XXXX on XX/XX/2020. The money was debited from my account with no hesitation from the merchant. 

However, when we ( myself and my flight companion ) showed up to my flight on XX/XX/2020, we were both denied boarding. No indication was given to us in -- over a month 's time before the flight -- that we would be denied boarding. We had all of our Covid-related paperwork, including proof of work travel as well as negative tests in-hand and they had been preapproved through XXXX XXXX XXXX XXXX XXXX XXXX. We were still denied boarding and told, with no specificity, it was at their discretion to deny boarding but if that is the case, if they do not want to supply the service I paid for, I am entitled to a refund. 

I spent hours on the phone with XXXX  between XXXX  XXXX, XXXX and they refused to issue me a refund or explain the refusal. 

Hitting a wall with the merchant, I enacted a dispute with failed/closing bank, XXXX XXXX under BBVA USA XXXX, but they denied the return of my funds despite the services that I originally paid for ( flights ) were never supplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has never communicated effectively about the repayment options and what it meant to hold a private federal student loan ( FFELP ) versus a direct federal student loan. They never reached out to discuss reconsolidation for a second time to take advantage of the federal government 's payment pause and they are purposefully dragging their feet on my reconsolidation now. I am trying to take advantage of the federal interest rate pause and they are slow walking my application. Not only that, but they have never communicated with me ( & others in a similar situation ) regarding this being an option and how to process the re-consolidation of the consolidation - I had to find out the information on my own and directly ask to receive the answers that this was possible. Navient deliberately withheld this information from me ( and others in a similar situation ), in my opinion. Had I been informed years ago, my student loans would have been on a payment pause or interest rate pause and I would have owed about XXXX dollars less than I owe now. 

My current balance is $ XXXX for my student loans. This is indentured servitude and unfair that because I took my loans out in the XXXX they don't qualify for the payment pause. This on-top of Navient not communicating about income based repayment and throwing my into forbearance instead during a 3 year period ( XXXX ) when I was struggling financially is predatory lending, plain and simple. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX from Midland credit continuiously calls my job even after I have asked him not to call my job. He is now XXXX family member calling them several times a day. They have had to turn their ringers off on their phones while at work because of the calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There is a collections account on my credit report by XXXX XXXX XXXX ( Debt Buyer ). I do not recognize the account, there is no correlating account from Capitol One on my credit report to substantiate the debt. I have repeatedly requested proof of the debt to which none has been supplied.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and a full life of loan history showing all transactions to verify the amount you purport is owed. 
6. Please confirm the date the statute of limitations expired.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Certified Credit Associates, Inc.
State: OH

Complaint narrative:
Hello, I need XXXX XXXX XXXX XXXX, Certified Credit Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-11 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Hello, I need Comenity Capital, XXXX XXXX, XXXX XXXX Inquiries removed off my credit report, I do not recognize these inquiries nor did I authorize them. They have been removed from XXXX and XXXX already this month but not XXXX. I would like them removed immediately. I have sent letters to these companies and my next step is to file a lawsuit if they are not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

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 2021-03-11 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: NC

Complaint narrative:
I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
company could not verify account nor send any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NJ

Complaint narrative:
Hello, I called Trans Union in regards to credit inquires that I didn't recognize on my credit report. I told them that this information is false and they said that they can't take care of it. 
XXXX ) XXXX XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX  XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 XXXX ) XXXX XXXX XXXX XX/XX/2019 2019

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 2021-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
when I purchased my home thru wells fargo in XX/XX/XXXX I was required to purchase flood insurance and it was required that it be included in escrow, This year XX/XX/XXXX I got contacted by my flood insurance company XXXX that wells fargo said they didn't escrow flood insurance and would not renew my policy on the renewal date I called wells Fargo and talked to the insurance department and was informed on recorded line that flood insurance was no longer required on my property and they were issuing a refund of extra escrow, i asked for a document stating this well fargo then called me back as a result of my inquiry and was told that i was required to have flood insurance and was sent a letter dated XX/XX/XXXX I had flood insurance and escrowed and they were to pay it, they let it lapse, and now I am without flood insurance since XX/XX/XXXX, I reported it to company and they are doing a internal investigation but will not give me names contact info or anything in writing regarding this mishap on their part they let my flood insurance lapse and get canceled, now they are telling me i must provide flood insurance

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I received a phone call on XX/XX/XXXX from someone claiming to be from the CBE Group attempting to collect a debt of {$140.00} owed by my wife to her doctor for a visit in XX/XX/XXXX. The caller sounded like an midwestern American female in her 20 's or 30 's. The caller accurately identified the name of my wife 's doctor and the date of her last appointment. I told the caller I wasn't willing to pay until looking into the matter further, and requested a callback number. The number provided was XXXX. I then called my wife 's doctor. The doctor 's office advised that their record 's don't show any debts owed or any report to a debt collector, meaning the call was a scam. I called the scammer back at the number above and was connected to computer voice menu claiming to be the CBE Group. The computer said it didn't recognize my phone number but that it could locate my file if I provided my social security number. I hung up without saying anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: Westlake Services, LLC
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. WESTLAKE FINANCIAL SERVICES XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WESTLAKE FINANCIAL SERVICES has violated my rights as a consumer and I requesting legal action to remove this account immediately.

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 2021-03-11 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have never been late on my vehicle loan from XXXX XXXX XXXX # XXXX. I have made all my payments on time since I purchase the vehicle last year. I made a regular payment of {$400.00} on XX/XX/XXXX, then I was involved in an accident and total my car which my insurance company had cut a check for {$10000.00} paid on XX/XX/XXXX, and after that, I settled the account in full with an agreement payment of {$1000.00} paid on XX/XX/XXXX to close out my account. Even after I settled my account with XXXX XXXX, they still went ahead and reported to Experian and XXXX  that I'm delinquent 60 days? I have tried to work with this company regarding this issue and nothing has been done, I asked why would they report this inaccurate information and the supervisor advised me " she's not sure what happened '' they just keep reporting inaccurate information to Experian and XXXX. I even received a call from their compliance dept stating that they are investigating this issue but continue to keep reporting it incorrect as recent as XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX and they advised me that they updated my report on XX/XX/XXXX with the correct information that I never missed a payment but XXXX XXXX had done another report that I was delinquent on XX/XX/XXXX. I'm not sure why this company keeps reporting this inaccurate information? They are not taking accountability for this issue, they just keep telling me that they are not reporting it that it's the credit bureau that's reporting it incorrectly? My account is closed with this company, I no longer want any reporting done and I also want my negative remark " 60 days late '' removed immediately as I have never been late at all.

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 2021-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We hired a contractor to do repairs on our home after Hurricane Michael in XXXX. The contractor was terminated on XX/XX/XXXX for breach of contract. However, sometime in late XXXX of XXXX we finally received insurance checks ( dated XX/XX/XXXX XXXX, two of which contained the contractor as a payee. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both of these checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous contractor, XXXX XXXX XXXX XXXX, without my endorsement or that of my Mortgage Company XXXX XXXX XXXX XXXX XXXX! After contacting Chase about the banking error we were informed that we must prove the money belongs to us even though XXXX XXXX was allowed access to those funds without all the necessary and required endorsements, and a violation of Chase Banks own deposit account policy! 

A complaint has been filed with the XXXX XXXX XXXX Department for fraud and theft against XXXX XXXX, case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XX/XX/XXXX we traded two vehicles and initiated a new loan on a current model. We froze our credit with experian in XXXX because a relative was being suspicious about our social security numbers. 
In order to the new loan we attempted to unlock or experian accounts but on each of the phone calls we are hanged up on or the line goes unattended for as much as one half hour in the middle of a conversation before the line disconnects. 
We do not have phone issues in any other conversation or call we feel this is either intentional and requires addressing immediately.

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