vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
In XXXX I contracted with XXXX XXXX XXXX XXXX and my 1st appointment was XX/XX/XXXX and my last appointment was XX/XX/XXXX. WhXXXX XXXX XXXX XXXX XXXX  told the Dr . I have NO insurance and would pay cash for each visit and he needs to let me know what that bill is so I had 7 visits the 1st was {$250.00} and they told me that by phone so I had that cash ... they estimated the other visits they were going to be either XXXX or XXXX so I made sure I brought in XXXX each time. Unbeknownst to me they were collecting payments for XXXX XXXX and not the doctor himself ... so there WAS a disconnect by XXXX XXXX XXXX. I received a bill from XXXXXXXX XXXX office on XX/XX/XXXX and was confused because it resembled the payments I had already made ... so I kept asking where are the cash payments I made? Finally I went to see XXXX XXXX in person and he explained how the billing worked ... so I had brought cash to pay him ... the date was XX/XX/XXXX. XXXX XXXX noticed that I WAS still dealing with my leg issue and said he would accept {$500.00}. as Payment in full and gave me a receipt to that affect. He also told his office. I got another bill on XX/XX/XXXX and it did not indicate the payment I made so again visited XXXX XXXX IN PERSON on XX/XX/XXXX brought his billing office bill and the receipt he gave me and asked if he changed his mind ... He said No and that he would talk to billing right away and have it XXXX out. I then got a bill on XX/XX/XXXX from this Company called MJ Altman ... called XXXX XXXX billing office and they said it was a mistake and they would take care of it. MJ Altman also filed with the credit bureaus so I disputed the information and it was removed. Now here we are in XX/XX/XXXX and I am alerted by XXXX  that MJ Altman has filed a debt collection on my credit report. 
This Company is wasting my time, attempting to RUIN my credit ranking ( and succeeding I might add ) after they have been shown by me and told by the so-called Client Company ( XXXX XXXX XXXX ) that there is NO debt owed. This Company is a " scam '' as far as I can tell and/or preying on people who may have forgot the details on an account they claim they are seeking to collect debt for. I called XXXX XXXX XXXX  and they said they did NOT authorize MJ Altman and canceled any future agreement and would call them and tell them to " Cease and Desist '' I am writing this complaint as they were told there was NO debt in XXXX ... so why did they reopen the account 2 years later ... and will they do it again in 2 years? They have already decreased my score and are publicly tarnishing my reputation. Do I have a right of redress against this company as what they are doing is harming me and my reputation and I WILL not tolerate that.

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 2021-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked Equifax and XXXX  for a investigation for XXXX XXXX and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and XXXX XXXX  and that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I asked XXXX  and XXXX  for a investigation for aWa collections and they stated that they investigated and everything was accurate that is Incorrect an i was not given any information showing how they came up with this information. I was not given a signed contract with my name and awa collection and that is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
A law firm called XXXX XXXX XXXX have been calling using a third party company that provides legal notifications and provided a case number and phone number to contact XXXX. Once I called the provided a false Social, with a prior last name I had and an old address of about 15 years ago. Starting there was a credit card debt under my social with Capital One. Once I contacted Capital one the account was real but with all incorrect information and a product of identity theft. Case opened through Capital one and once I contacted the Law firm to advised them a case was opened they asked for my current address to send me an official dispute form. Representative became highly unprofessional when I refused to provide the address and would not provide the address for the Law Firm and was disconnected. Second rep also was upset and stated she knew my case and I had listened to our 10 minute call while I was on hold with them for 3 mins. She stated I was not a customer and I did not need to receive customer service and to do what I like. Refused to provide the address for the Law Firm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27 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:
I sent letters to XXXX, Equifax and XXXX regarding having wrong addresses, Inquiries and open accounts on my credit report. I also sent my ID and Utility bill. 
XXXX. 

I heard back from XXXX  on XXXX. They said I did not send in my ID or anything else to show my address. 

I have not heard from Equifax or XXXX  about my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Carbucks of Delaware, Inc
State: GA

Complaint narrative:
Due to COVID hardships I pawned the title of my XXXX XXXX XXXX to get the money I needed for rent. I received XXXX from Car bucks in XXXX off of XXXX XXXX. I had just started with a company as Im a XXXX XXXX XXXX XXXX XXXX XXXX and thought I would have no trouble paying this amount back. Unfortunately I was unable to make the first payment and they took my car. They did not tell me they were going to take my car, I never received a letter stating their intent. I called the next morning as soon as they opened trying to meet them to pay the entire amount owed for return of my car with a family members help. I was told by XXXX that works at that location she couldnt tell me anything but only say that she would have the owner call me. It took him 3 days to call me and I told him I had the money and wanted to meet him to get my car and then he said he didnt want the money I owed him that he was exercising his right to keep my car thats worth 4x the amount of the loan and refused to take the cash to pay the loan off so he could keep my car? Is this not stealing? Ive now lost my home and my job bc Ive lost my car. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-05-27 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Lendmark Financial Services
State: NC

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Beginning on XX/XX/2021 I have received daily calls from XXXX. After looking up this number on the internet it appears it is a phantom debt collection scam impersonating Transworld Systems. After the second or third call I picked up and when they explained what they were calling about I informed them they had the wrong person as I do not have any outstanding bills whatsoever. They said 'ok, we'll take care of it ' but the calls persist daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2021-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Ive already been in communication with XXXX XXXX XXXX  who stated they are unable to send me in writing the debt will be removed from my credit once payment is made and they said they cant provide this. 
I want to accept this offer to pay the amount offered the due date to pay is XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
I wanted to add to my previous complaint-XXXX  as the company wasn't honest with my ability to obtain a loan. 
After filing the complaint, I applied for a loan with another lender and since has closed that loan for almost 60 % more than the amount I applied with XXXX. XXXX  or Cardinal-whatever name they use caused me a higher interest rate. Had they denied me much sooner, rather then string me along, I would have gotten a lower rate as interest rates increased since last XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: TX

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. I did not authorize anyone employed by these companies to make any inquiry or view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Hi there, My husband and I applied for a home loan and unfortunately my credit came back poor due to a collections account from Jefferson Capital Systems. We have not been given enough information to know whether or not the debt is real or how to verify the details of the debt itself from Jefferson Capital Systems or XXXX, who apparently was the original debtor. 

The details fo the debt are below : Jefferson Capital Systems - Opened XX/XX/18 - Balance {$560.00} - Origination XXXX XXXX I am requesting a debt verification from Jefferson Capital Systems as my husband and I do not understand where this collections trade line came from. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account appears to be in violation for 2 reasons. 1 the statue of limiations is expired and number 2 I have no knowledge of this matter never have any child support or any government claim against 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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage hasnt been able to finish my mortgage refinance since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I then tried calling but was on hold forever and I had to go. By the time I made the payment the payment was late even though I emailed the company to assist me. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get these removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: NY

Complaint narrative:
on XX/XX/XXXX i requested a international money transfer from XXXX  XXXX for {$100.00} with XXXX fee for the service. the {$100.00} was deducted from my Chime checking account on XX/XX/XXXX. the party never received the money. XXXX XXXX cancelled the transaction on XX/XX/XXXX but never refunded the {$100.00} to my account. A disputed was filed on XX/XX/XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery put a {$470.00} collection on my credit report claiming it's a debt from XXXX, I've contacted XXXX and they stated that my account is in good standing and I don't owe any debt, Then i called the debt collector they said they'll submit a dispute however it's still reporting to my credit bureau, The collector asked me to do incapacitating requests. 
The collection agency also stated that the debt was owed back in 2018 however they never attempt to contact me once since. I contacted them when they negatively reported to my credit report, the collector also said that I lived on my business address which's not true. 
Note : I never took credit from XXXX, however I use them to make payments on the spot using my credit card on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified. I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have had my loan open less then 2 months only had 1 payment due during this time. The first payment I made of XXXX on my account through the finance app provide from the finance company I choose the selection to apply to amount financed which also a payment was not due at the time making this an additional payment. The bank took interest out of that payment and refuses to reallocate the funds to where they were suppose to go. My current payment is {$570.00} I made my first monthly payment of {$1000.00} dollars almost doubling my first monthly payment had no issue with that cause I know finance charges must come out of the monthly normal payment. 5-6 days later I went back on the same finance application to pay another {$240.00} towards my principal I called the bank before hand to make sure it would be a PRINCIPAL ONLY PAYMENT. The rep assured me that is correct a PRINCIPAL ONLY PAYMENT NO INTEREST TAKEN OUT. Well the payment was finally adjusted on my finance and for the second time theyve taken interest out of my PRINCIPAL ONLY payment. They refuse to reallocate the money. What do I do??

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 2021-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Someone claiming to be from American Express continually calls my phone number, looking for someone named " XXXX ''. Apparently " XXXX '' owes money on a credit debt. I am not XXXX, and I have never had an American Express card before. Even after I told these people that I am not XXXX and there is no XXXX at my number, they continue to call daily. I block them but they use spoofed numbers over and over to try and trick me into answering. They get very nasty and threatening over the phone and I want this to stop.

Company response to consumer: Closed with explanation