vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Lockhart Morris & Mo Opened XX/XX/XXXX - Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused  by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Lockhart Morris & Mo Opened XX/XX/XXXX - I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX S SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: VA

Complaint narrative:
I remained in contact with XXXX  XXXX to include additional appointments at which no time they mentioned the bill nor sent me a bill since XX/XX/XXXX. I was paying {$25.00} a month. I sent in for financial assistance on 3 occasions, I called, I emailed. Then it began to report on my credit as of this month, XX/XX/XXXX. Again, I contacted XXXX  XXXX and emailed them. They have not responded. I contacted Choice Recovery and disputed also via phone. I have disputed on my credit bureau also. This is ruining my credit. I am XXXX with limited income and they are failing to properly communicate with me and they have reported debt to damage credit and are causing undo hardship without assisting me financially through a hardship program! 
Choice Recovery has NEVER contacted me. This just appeared on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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: TX

Complaint narrative:
Hi I have raised two complaints with CFPB related to fraudulent activity by Best Buy Credit Card Services and Citi where there were two hard hits put on my account Complaint Numbers : XXXX AND XXXX I have received a response from Citi that this was going to be resolved and the hard hit will be removed from my report but that has not happened and still I have two hard hits Request you to please escalate and get this resolved

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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I received a notice last week that my Citibank checking account was being closed. I got in touch with them and was told by a customer service rep that once my account had a positive balance it would be active again. My direct deposits had stopped due to being laid off from work due to coronavirus. Seeing as the customer service rep said the account would be active when it had a positive balance I took no further action. The reason for my inquiry on the account was due to the fact that my government stimulus check was going to be deposited into the account. It had a negative {$130.00} balance so after being told what I was told, which I have documented, I thought the stimulus money would cover the {$130.00} negative balance and I would have {$1000.00} for myself to feed my family on. The day that the stimulus was to be deposited into my account I checked it and it went from the negative {$130.00} balance to a {$0.00} balance. Then it said account was closed. I contacted Citibank and I was told that they could see my money was there and for me to call and they would reopen my account. Now, over the course of 3 days and communicating with 6 different customer service reps, 3 of them have said they can see my money is there but that they cant open the account. A fourth customer service rep told me that they would mail me a check for the {$1000.00}. Then the last customer service rep I talked to told me that my money had been sent back to the IRS, which is a lie also. I do not mind paying them what I owed for the negative balance but, I had been waiting on that money so I could provide for my family and they turn into monsters and decide that they are going to hold my money hostage. All of this has made me XXXX  as a man that cant provide for his family does not deserve to live. Its been lie after lie after lie. How could they, and would they, close a mans account on the day he is to receive such a deposit into it as this stimulus money was to be and for what it means to him and his family. They said that when a account has a negative balance for so many days it is then closed. Well they couldnt give me one more day in order to receive that money? And seeing as what familys all across this country are going through. Now, I cant get ahold of anyone and do not know when or how I am going to get access to my money in order to feed my family. Citibank are monsters!!

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 2020-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
1. TCF Bank did not let me close my account, they instead requested me to go to the original branch in a different state in order to close it, which is unreasonable. I originally contacted them around 6 months ago. 

2. TCF continued charging my account a monthly fee for inactivity with the intent to deduct my entire balance. Inactivity charges were not present when I originally signed up to the account, the policy changed without my approval. 

3. When I tried to withdraw funds electronically by adding my account to XXXX, TCF put my account into dormant status, which made it impossible for me to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I filed bankruptcy Chapter XXXX and it was Discharged on XX/XX/2016. I became aware of the problem while attempting to apply for a small mortgage. I was informed of the debt with Wells Fargo that was preventing me from moving foward. Any and all dept with Wells Fargo should of been Discharged with the Bankruptcy. I will attach the document proving this.

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 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to Chase Bank online and access my account and try to review the Bill Payment I made to XXXX XXXX and XXXX and there'e option to get proof of payment but when I download the documents did not allow me to save the document nor print I understand many of the option are self services but should accessible via Computer, Laptop, Tablet and Mobile and I should be told by the staff such Customer Services or Bill Pay that they unable to print and mail proof of payment to the customer and I was informed that go to branch and ask a Personal Bank and this office as well I know that they are not speaking with customer and I told that the not the account and could not give me reference number to complaint I made. All online banking self should be access to the customer. They should be able to mail the Bill Payment information upon request. Please investigate and all misconduct and mismanagement found all individuals be convited according to United States Federal Regulations. There will not option to select Checking Account nor indicated it Bill Payment Complaint on this website

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I terminated my lease early with a local apartment complex in XX/XX/2018. They accepted my surrender of the apartment, ( see attached email from XXXX XXXX ) triggering their duty to mitigate damages under applicable Georgia law. Accordingly they cant require me to repay the entire term of the lease when they have leased the property to someone else as of XX/XX/2018. ( See additional email communications confirming relent of apartment on XX/XX/2018 ). 

We were in the process of determining the final amount owed after they re-leased the property ; however, I never received a final account statement telling me what I owe. ( See email attachments ).

I then received a notice from IQ Data International attempting to collect XXXX on behalf of the apartment complex. I had never even been issued a final bill from the complex much less how I wound up in collections. When I asked for an explanation, the IQ Data representative XXXX spoke to me in a derogatory manner and told me I owed the full amount of accelerated rent. I told him lawfully this was not possible under Georgie law because ( 1 ) I never even received a final bill and ( 2 ) the complex accepted surrender of the property and relet it on XX/XX/2018. 

I then contacted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA and they refused to send me copies of the final account statement they allegedly sent me in XX/XX/2018. Instead they sent me screen shots where they supposedly emailed me copies of the final statement. I requested they resend the original emails and the final account statement and received no response. 

IQ Data is increasing the amount I owe to over 7000 and when I spoke with them today their same employee XXXX said lady pay your bills already which was on a recorded line. 

He also told me that even though I was an attorney I didnt understand accelerated rent. 

Again-how you can be in collections over an amount you never received a bill for is beyond me and the failure to provide justification for that amount, continuing to impact my credit and speaking to me in a verbally abusive manner are unlawful. 

IQ Data is pinging my credit every month with late payments and this is my last step before filing civil litigation against both entities.

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 2020-04-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I XXXX XXXX have never had the correct birth year on my transunion report. I was born in XXXX and it has said that I was born in XXXX for most of my life until I noticed it. 2 months ago they said they would change it. Now when I just pulled up my credit report I find out that they just deleted it altogether. Ive tried calling mailing. The website wont let me in because it says I have invalid information. Just like every loan or credit card I have ever tried to apply for in my life. 
Please help 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 2020-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX and XXXX, I made three payments to Capital One, 2 out of 3 times I utilized my newly established Capital One Saving Account. However, making the payments from Capital One Savings to Capital One Credit Card, took longer than four or five days. However on XX/XX/2020 an ACH was processed from Capital One to XXXX XXXX in the amount of {$900.00}. The funds were processed and transferred to Capital One before XXXX ( PST ), however when I contacted Capital One to inquiry about thier processing times, it was stated " processing occurs several times a day. '' However, for some reason, the balance was not updated. Today, XX/XX/2020, I noticed my balance {$0.00} and available balance {$99.00}. At the same time, I received a credit alert from XXXX Credit Bureau stating due to high balance, my credit score has decreased. Immediately, I contacted Capital One, and waited 1 hour 36 mins, to voice my concerns, however the Capital One customer service representative would not allow me to voice my concerns. Then, I requested to speak with a manager, XXXX was very patient, however repeated robotic company policies. therefore, I conference in XXXX XXXX, who verified the funds had left the account, then Capital One Supervisor XXXX provided the robotic answer, and would not allow any upper management to contact me. In addition, XXXX stated it will be seven days before the funds are released. Please do not do business with this company, because it is the Epitome of Dishonesty, Rude, Horrendous Customer Service, and Horrible Ethics/Policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17 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: GA

Complaint narrative:
I have already disputed all fraudulent inquires twice with transunion. Mailed letters twice. Which I mailed the FTC report with the letters. So here it is again, ...

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 2020-04-17 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: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of XXXX XXXX XXXX # XXXX my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection 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 2020-04-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Quicken loans notified me of an impending change to my servicer in less time required by law, 15-days. I  was notified today XX/XX/2020, verifiable by time stamp via email, and not USPS, that my loan would no longer be serviced by quicken as of XX/XX/2020. Sparse information was provided regarding the new servicing company. I contacted quicken loans today, XX/XX/2020, to discuss this issue to which Quicken said they sent their email on XX/XX/2020, to which I am not in receipt. Quicken did not offer any reasonable solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I mailed out my letters to TransUnion on XX/XX/2020. I received a response today XX/XX/2020, We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized party. 

They did not leave any advice on how to submit the request, so that they will know that the request is directly from me. This just seems like a stall tactic. 

I have submitted request before the same way and nothing was removed nothing was updated i.e. comments under the accounts, personal information remained the same. In my request ( disputes ) I provide a copy of my social security card, driver license, and a bank statement and they have failed to remove the accounts, and update my personal information. 


XXXX : This company has failed to update the comment section of the accounts that these accounts have been disputed by the consumer. I sent out my letters to them on XX/XX/2020, and when I log into my XXXX  account all the disputes have been completed but some accounts dont have the verbiage that consumer disagrees and has disputed the account. 

Please look into this for me any assistance that you can provide would help. 

Thank you!

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 2020-04-17 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: Colony Brands, Inc.
State: FL

Complaint narrative:
XXXX XXXX reported a hard inquiry to XXXX on XX/XX/20. I contacted them, they were unable to find any information regarding me applying for credit. I havent applied for any credit for XXXX XXXX or any companies affiliated with them. This isnt the first time a hard inquiry was reported on my credit & it was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I used Cash App to transfer {$250.00} to another individual. The {$250.00} was debited from my bank account but he has been unable to access it so it remains in limbo. He can't get access to his Cash App account because access requires providing the number of the debit card that was used to open the account. The debit card he used was replaced some time ago and there is no way to know the number on it. Every time he has tried to access his account the process has ended with this question about the debit card number. He has contacted Cash App support and answered all the questions asked but the support bot can not help him. We have been asking for help for two weeks but it is impossible to get the attention of a person. When I submitted as support request, the bot told me to have the recipient contact support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: RI

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation