vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for Midland Funding and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at XXXX, XXXX, XXXX on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} XXXX appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB:XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL  XXXX ATTENTION DISPUTE DEPARTMENT To Whom It May Concern : Your company have  violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a  policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  {$4300.00} Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company Quicken Loans, lender reached out to us for re-financing in XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from Quicken Loans ( XXXX XXXX ) subsequently. 
I requested Quicken Loans to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XXXX XX/XX/XXXX with XXXX XXXX XXXX. 

XXXX XXXX Quicken Loans Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX XXXX XXXX refuses to remove my request of XXXX XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by Quicken loan in order to obtain VA re-financing. ( one day apart ) XXXX XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with quicken loans I am not the only consumer on whom Quicken Loan used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I contacted Midland funding and requested debt info the guy told me he could not give me the info and that I needed to contact XXXX XXXX XXXX. I asked who owned the debt and he said Midland funding so I told him by law they are required to give me the info since they are also reporting to my credit. They refuse to give me info. I also stated that if the original creditor was XXXX XXXX that the statute of limitations has expired. I have tried to dispute this several times with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: ERC
State: TX

Complaint narrative:
Enhanced Recovery is reporting a charge-off of {$99.00}. This debt does not belong to me and has been reporting on my credit file for 3 years and 11 months. My credit bureau indicates that the original creditor is XXXX XXXX XXXX XXXX. I do not have and never had an XXXX XXXX XXXX XXXX account. Enhanced Recovery is reporting inaccurate data on my credit file. Based on the FDCPA, a debt collector must notify the alleged consumer of the debt. Section 809 ( b ) [ 15 USC 1692g ] Validation of Debts. I was never notified of the debt, therefore I could not dispute the debt. Two violations have occurred, Violation of FCRA- Inaccurate Reporting and Violation of FDCPA notify consumer of debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Hi there, My name is XXXX XXXX and I'm reaching out in regards to the lawsuit against Navient - the student loan provider. As I'm sure you are aware, there's a lawsuit against them for not letting students know about forgiveness options - I would like to know what the status is, how I can be entered in the lawsuit case and what I can do to move this forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
My husband and I have consolidated our loans and the consolidation company has already began payments, but one of the loan companies included in the consolidation keeps making harassing phone calls to both of us as well as friends and family. They have accepted the payment made by the consolidation company but insist on still harassing us in this manner. What can be done to stop them from calling not once a day but repeatedly throughout the day?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Company Name : XXXX  XXXX XXXX XXXX ( XXXX ) ; Account Number : XXXX. This account has been previously disputed through the CFPB portal as well as XXXX, XXXX and XXXX for the account being inaccurately reported to the credit reporting agencies. The account was disputed on XX/XX/XXXX and XX/XX/XXXX through the CFPB portal. On XX/XX/XXXX I received a IRS Form 1099-C for an  amount of {$950.00} from the creditor ( XXXX. ) I have attached a copy of the IRS Form 1099-C. I have never entered any agreement with the creditor to cancel this debt or settle any portion or amount thereof. This is a charged off account and is bound by FCRA regulation to be removed 7 years after the first date of delinquency or any inaccuracy such as the one in this complaint and previous complaints. However, in my previous disputes I have disputed the balance on the account is incorrect and both the creditor and credit reporting agencies have failed to correct or delete the inaccurate information from my credit file. As you can see in the attached copy of my credit report, the account shows a balance of {$1200.00} but the IRS FORM 1099-C shows a balance of {$950.00}. As you can see the amounts are significantly different and this is a contradiction. Therefore a violation of the Fair Credit Reporting Act has taken place. This item is to be deleted/removed immediately from all of my credit files at all credit reporting agencies for reporting an incorrect balance. Since XXXX is reporting an amount of {$950.00} on IRS FORM 1099-C, that is the amount that should reflect all of my credit files and it is not which is a deceptive practice and resulting an inaccurate credit item.Per the FCRA, a consumer ( s )  credit file must be 100 % accurate and this credit item clearly is not. Furthermore, I received correspondence from XXXX dated XX/XX/XXXX stating that they have tried to correct/update the credit limit with the credit reporting agencies to ( {$0.00} ) and they have been unsuccessful. ( See attachment. ) XXXX and the credit reporting agencies have had plenty of time to correct the information so that a accurate credit item is shown and they still have failed to do so. Please refer to the attachments : Copy of credit report showing a {$1200.00} balance, copy of form 1099-C showing a {$950.00} balance ; copy of correspondence from XXXX dated XX/XX/XXXX admitting their failure to correct/update information.

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 2019-02-12 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
It is from XXXX XXXX. About a XXXX XXXX XXXX and XXXX account. Several months ago and again today, my daughter forwarded me a voicemail she received from them about my account. She also said that my ex-husband 's ex-wife had asked received a call from them about my XXXX XXXX XXXX account! 
The same day I also received a similar voicemail. It is very menacing Man by the name of XXXX XXXX, and said he were sending someone over to my home or my place of employment between XXXX and XXXX XXXX and I " better be there with a government ID ready to sign papers. '' The message also had a phone number and account reference for me to call so I did and they told me to verify last word is my Social Security number, which I at first didn't want to but finally did. This is how I learned then they represent as a third-party collection for XXXX XXXX. 
I contacted XXXX XXXX last year and asked for a payment arrangement, since I had become XXXX, and my income is severely limited, and Landlord had told me he was selling my unit and I had to move in the next 60 days, and I had no prospects or idea where I was going to be living. But I told them I want to pay my bills, and I wanted to make an arrangement to pay soon. Instead, XXXX XXXX actually advised me not to pay it, but to instead look for housing, and they also told me that my income is protected since it is Social Security XXXX. I asked them not to call myself or anyone related to ever again. They went through their databases, ostensibly, and said they must have looked at whatever XXXX XXXX XXXX accounts had my same last name and called everyone with the same message. They said they would no longer do those practices with me. 
I have all the menacing and threatening voicemails which I and my daughter received stored and saved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
there are 8 inquires from capital one that I didn't consent to and they need to be removed from my credit file the dates for the inquires are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed from my XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XX/XX/2019 i sent my granddaughter {$230.00} through paypal. she is a XXXX national. she is a minor child. paypal is not supposed to allow minor children to have an account. she has lost the information on the account and has no way to prove it is her. paypal has refused to return the funds to me. they remain locked up in an account no one can access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I called capital one on XX/XX/19 to get assistance in refunding the last 2 late payment fees. The clerk looked at the account and said a flat out no. I wasnt asked about circumstances or anything. At my place of employment they are doing layoffs. This has been going on since XXXX of last year and Ive been trying to keep up with payments on everything. I finally made a {$320.00} payment on this card to get it where is needed to be. This card is a union plus card and I would think they could help out a little bit. Ive been a capital one customer for some time. I have bank accounts here and Ive referred others here who now have capital one bank accounts. I dont believe it would hurt to get late fees back from such a large company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I sent in a payment of {$6500.00} by USPS with tracking and signature return. I also put my credit card account number on the payment stub attached to the check. Citi received the payment XX/XX/19. On XX/XX/19 Citi deposited the check. I am attaching a copy of the check having cleared the bank account ( the other check in the file was applied correctly to a different account, please disregard ). To this day, XX/XX/19, the payment has not been applied to my account. 

I started calling Citi every couple of days after checking my account online starting on XX/XX/19 to ask why the payment has not been applied to my account. Each time I call I am told that they need to open a " payment investigation '' and they ask for the exact amount, check number and tell me that a conditional credit will be applied so that my account doesn't go past due or, accrue more interest on the amount or late fees. I have gone through more than 3 " supervisors '' in one call and am still told the same thing each time. To this day none of this has been done, my account is now more than 30 days past due and I am concerned it will be negatively reported to the credit bureaus. I couldn't and wouldn't make a payment to keep my account from going past 30 days because after the {$6500.00} payment, I owe a lot less than what Citi says my payment is.

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 2019-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Upon calling today to verify a fee reversal that could not take place until a merchant refunded funds ; I spoke with an agent who alleged i could not get any fee reversals for courtesy and that a supervisor would be calling to check the call i made when i spoke with a representative and then calling me back in an hour. The supervisor never called back and finally I went into a branch to address the issue and at the time i was able to call in and have the customer service people fix the issue. I got a call appx XXXX XXXX. from some XXXX rude lady who claimed to me a supervisor from XXXX who pretty much accused me of lying and begin to rant at me. When I asked her what her name was she refused to give me her name and told me since I didnt want her to help me she just flat out was going to give her name to me as she claimed to be a supervisor, I informed her that I would be closing the account as so I would not have to deal with this type of issue again. She made up some rule that i could not have any fee credits for the rest of the year. she was the XXXX  most incompetent horrible person I've ever had to deal with from fifth third bank. I will be closing this account as soon as the last two transactions on this account post hopefully by tomorrow. Ridiculous XXXX customer service from a representative at number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Was told prior to becoming delinquent that the only way I could obtain assistance with mitigating my debt was to fall behind by multiple representatives inXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- I was transferred to Customer Service who then transferred me to a resolution representative and was told because I am not more than 60 days delinquent they can not assist me with any options to prevent delinquency and damage to my credit, and that these options were available.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I made a payment to Discover for {$32.00} ( payment due date ) on XX/XX/ 2019. On XX/XX/2019 at XXXX XXXX I get a email from Discover stating that my account has been closed because of another collection account. So i call Discover that morning and spoke to a agent regarding the matter, and I was placed on hold while she spoke with her supervisor. Once back on the phone she informed me that I would have to give them 24 hours to look into the matter and to call back XXXX XXXX 2019 before XXXX XXXX. I called back on XX/XX/, 2019 and spoke to someone and was transferred from department to department ( given the run around ). I was once again told several times that my account was closed because of a previous account that has been charged off. I was then transferred to a supervisor which in turn transferred me to someone in another department named XXXX. Once XXXX got on the phone he ended up transferring me to some company called XXXX XXXX XXXX ( which does business with Discover ) and spoke to a lady there which placed me hold after getting my name and social. Once someone got back on the phone it was a male agent now, which asked me for the same information that the previous lady asked for ( name and social security number ) and he informed me that I am not showing up in his system and he cant help me ( company that handles Discover collection accounts ). so I called back to customer service and was connected to XXXX in XXXX Arizona which switched the story and told me that my account was closed because of Discover system ( a late payment ). I told her that she was giving me an excuse and her own opinion of why my account was closed and that I have spoken to several agents that made it clear why my account was closed. I was transferred to someone else and they gave me a phone number to another department and transferred me to that department. Once connected it was the right department after all ( after 8 different agents and 3 phone calls later ), and was told that my account was closed because of an account that had been charged off. But once investigated I was informed that the account in question whoever the person is has my first and last name, and date of birth but a different social security number and that I was right that the account is not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX  has reported twice amounts that they said I owed on fraudulent accounts. When the issues were finally proved they were not my accounts they failed to restore my credit rating to the number it was prior to the problem.

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