vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been disputing this debt since 2019. I have contacted the collections agency and as others debt was paid prior to it being sent or sold to their agency and that they should contact the leasing office to validate payment. XXXX XXXX refused and continued to informs me via by phone that the {$1000.00} debt was still owed. I have disputed this matter by mail email and online with return collections notices and false validated correspondence. This active collections has cost me job opportunities, missed work opportunities to relocate due to not being able to secure an apartment due to not only the collections being open and active but also showing an outstanding balance for rental. I have been denied for multiple apartments, townhomes and condos due to this erroneous report to both my credit profile and rental history. Ive also been forced to pay an influx of non refundable security deposits due to this reporting by XXXX XXXX. Ive lost reputations faced humiliation and judgment. The attached information you will see the most recent collections notice following numerous pages of false validation. Also attached is a letter from the initial debtor that the {$4300.00} was paid in full days before being sent to XXXX XXXX. Also fact, XXXX XXXX never provided me with a letter 5 days prior to reporting this erroneous information to my credit profile. Had they complied by law and sent me a 5 day notice I would have provided the inclosed proof that this matter was satisfied in full. XXXX XXXX is in full violation of my rights as a consumer under the law section 15 U.S. Code 1692e. Verbal communication XXXX XXXX has use many stall tactics and numerous threatening claims of legal action 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 non-monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX XXXX I received a call from someone saying they are from XXXX and that my services will be disconnected if I don't pay. First it was the minimum of XXXX he said the system wasn't accepting the price that I had to pay XXXX so my service wouldn't be cancel. I called TD bank thet my said its nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 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: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
I have reported this collection on my account as inaccurate multiple times. I have no knowledge of this debt nor this company or creditor. I live in Florida. This company is in California. I have made it clear that it is not my debt and it is affecting my credit score to the point where I can not get any loans during the pandemic. I contacted the company and was belittled and told to pay my debt. I would like this removed off my account as it does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Years ago, my wife and I obtained a mortgage loan for commercial real estate from Wells Fargo bank. That loan was paid off in full XXXX. The problem is they never filed a reconveyance with the county to clear the property as collateral tying up the property still to this day. 

Our current loan officer worked on this and received no assistance from Wells Fargo ; the same thing happened with our current title company. When I personally got involved after many deflections and run arounds, I finally received an anonymous response from their XXXX XXXX XXXX department. Such a response is impossible to hold any actual person accountable. 

We have already lost one loan because of this and the current loan will time out soon as well. It was not difficult to do this 8 years ago and is not difficult to do today but here we are one game to the next. They even wrongly attempted to lay this off on the county recorder.

No consumer should have to deal with this type of problem, more so the amount of time and contacts thus far that is required is in and of itself just horrible. Wells Fargo should not be in the mortgage loan business.

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 2021-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re. Bank of America I am a B of A client for over 25 yrs. 
I will bullet point the issue so that it wont be a long email : - I needed to wire {$60000.00} for a deposit on a home. 
- The wire of {$60000.00} was to go to a bank in NY XXXX XXXX XXXX XXXX XXXX XXXX. 
- I called B of A and set up the account WITH a rep from the wire dept because when adding a recipient there are not enough fields to enter additional info such as final beneficiary etc. 
- The rep suggested I did the 3 day process instead of same day. At this point I had time so I agreed. 
- It turns out that 3 days = ACH NOT wire - XXXX XXXX XXXX was not set up for ACH only wire so they did not accept it but it has not been returned. 
- I called XXXX XXXX XXXX XXXX and they were helpful, I have an actual reps first and last name, XXXX XXXX at XXXX XXXX XXXX  XXXX XXXX XXXX He said he needed B of A to send a Letter of indemnity or to call him and give him the additional info. 
- I asked B of A to fax this person and they said they could not. 
- I called B of A yesterday starting at XXXX and was disconnected, hung up on, one operator said let me transfer you to the wire dept and I had called directly to the wire dept. 
I was told they can not fax, they can not email, they can not call. 
- I asked if I could call XXXX XXXX XXXX on the other line and patch them in and they said no and hung up. 
- I put in a complaint to recall my {$60000.00} and B of A said it could take up to 90 days! 
WE COULD LOSE THE HOUSE! ITHIS DEPOSIT IS DUE NEXT MONDAY. 
One manager said, we send the request to XXXX XXXX XXXX but some banks dont even check their emails so it could be longer! 
- I have been calling every day since XX/XX/21 I am out {$60000.00}!!!! They said it can take more than 90 days to resolve. 

XXXX XXXX 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 2021-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Loan Science, LLC
State: TX

Complaint narrative:
I have a student loan with XXXX XXXX, XXXX. I was 19 days late with one of my payments. I received a call from Loan Science LLC as a debt collector asking me to pay my loan on XX/XX/2020. When I received the call I scheduled a payment directly to XXXX XXXX  XXXX to set my account current. The representative at loan science called XXXX  and verified my payment was scheduled. After that call, I've received 3 other calls to me and my co-signer requesting payment even though payment has already been made. Every time we tell them to please verify before they call and they continue to harass us. They're even spoofing other people 's phone numbers to get in contact with me. They've called me with XXXX ( pulls up as XXXX XXXX XXXX and XXXX, but if you look on their website the number they have posted is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX Company : Portfolio Recovery Systems Address : PRS XXXX XXXX XXXX XXXX Va XXXX Phone : XXXX Account XXXX Attention Credit Collection Company : To Whom It May Concern : On XX/XX/XXXX I discovered this debit on my credit Report. 
I have no knowledge of this debit. I had received letters from you regarding credit issues for two prior XXXX XXXX accounts XXXX XXXX As of XXXX The new debit reported to my credit, I had thought that this was from the prior accounts and disputed it. 
On receiving paperwork dated XXXX I have contacted your company and had spoken with the dispute department. 
( 1 ) I had validated my debits with XXXX XXXX accounts ending in XXXX and XXXX ( 2 ) XXXX XXXX will not allow me to originate a new card in any way shape or capacity while I have two charging off accounts.

( 3 ) The balance on card ending in XXXX and XXXX is the same as confirmed on your end. 
( 4 ) I had contacted your company for the payoff amounts for any and all accounts that may pertain to me when I had paid my previous debits and this account XXXX was obtained by you on XXXX, per your rep but did not post to my credit until XXXX ( 5 ) on XXXX I had spoken with a representative that assigned himself to my accounts and took valid payments to clear them, this third account was not mentioned nor was brought up. My address was valid in your system as you had sent me paperwork via the FCRA rules on the last debits but not this one. 
( 6 ) The account aforementioned XXXX was originated in a town 35 miles from my location and the transactions took place in that location. 



In accordance with the Rules of the FDCPA, I am requesting that : Immediately stop its collection activity due to two things The validity that this is my actual debit and that it may have been transposed from the original creditor, or within the company itself.

1. Again the address is not mine and had not been since XXXX 2. A. The debit was suddenly assigned to me XXXX XXXX had cleared all my accounts as they were sent to you and verified. Again XXXX XXXX will not issue another card when one is in bad standings B. The assignment of debit if it happened on XXXX to your company than it should have been made available for payment when I paid on my other debits on 03.27.21 C. Unsure of how the debit made it to one credit report and not the others, and it just started reporting on XXXX when it was in possession of the collection company for 2 months. 
Investigate the debit : I request a copy of the original debit origination paperwork signed by me. 
If you can verify the information, you have listed as accurate, please provide the name of the person supplying this data as well as the way it was provided in order that I may pursue remedies. 
Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX, Ny XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I. C. System , Inc. has the audacity to try to ruin my credit by reporting a debt that dont even belong to the agency. This is a third-party agency buying debts and ruining consumers ' credits. This debt can prevent me from getting a job. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account

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 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Credit and Collections Inc.
State: MO

Complaint narrative:
United Credit Collections violated my consumer rights. United Credit Collections has harassed me by making phone calls and much more. They have ruined my reputation by reporting information on my consumer reports.

UNITED CREDIT COLLECTIONS IS IN VIOLATION OF THE FOLLOWING : 15 U.S. Code 1692b. ( 2 ) 15 U.S. Code 1692b. ( 5 ) 15 U.S. Code 1692c. ( a ) ( 1 ) 15 U.S. Code 1692d ( 1 ) 15 U.S. Code 1692d ( 2 ) 15 U.S. Code 1692d ( 5 ) 15 U.S. Code 1692e. ( 2 ) 15 U.S. Code 1692e. ( 7 ) UNITED CREDIT AND COLLECTIONS INC was hand delivered an Affidavit on Wednesday XX/XX/ 2021 via certified mail ( Tracking # XXXX ) in which they have failed to properly respond. UNITED CREDIT AND COLLECTIONS INC has now been notified that they are in Default. This notification was sent via certified mail ( Tracking # XXXX XXXX. They are civilly liable.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Capital One # XXXX XXXX XXXX Prior to XX/XX/XXXX Capital One Restricted My Card use because I would not update my ID information with them. As of XX/XX/XXXX I have been charged a Membership Fee for my " restricted '' Capital One Account, I still held an outstanding balance, continued to pay timely to the point that the " membership fee '' remained, on or around XX/XX/XXXX. Though my balance had been reduced to {$0.00} ( other than the member ship fee ), my use of this credit card remained " restricted ''. On or about XX/XX/XXXX my Capital one statement arrived it the mail, the statement stated that my " restricted account '' has been charged another annual membership fee of {$39.00} for the coming year. I choose this opportunity to call Capital One asking why they would think that I would pay a membership fee if I've not been allowed to engage in the membership benefits as a " non-restricted '' account holder may. It seems that their only interest is to get me to up date my personal information which I choose not to. I've never been late on payments, Capital One is who restricted my abillity to us my card. I've paid my balance to {$0.00} except for two ( 2 ) membership fees upon a card that the issuer has restricted the use of. 

My new statement arrived today : Previous Balance {$79.00} Payments XXXX Other Credits XXXX Transactions XXXX Cash Advances XXXX Fees Charged + {$25.00} Interest Charged + {$1.00} New Balance = {$100.00} The issue begins as this ; Two ( 2 ) Annual Membership Fees Charged to a " Restricted '' Card, i.e. meaning I could not use this card even though it was paid on time while now at {$0.00}. Two {$39.00} membership fees equaling {$78.00} that I told Capital One that I would not pay because the account was restricted from us by Capital One. I've paid my responsibility, I will not up date my personal information, Drivers License etc. for that is why they restricted my account over a year ago. Now Capital One wants to impose Late Payment Fees, interest on these unpaid " Membership Fees '' : Past Due Fee {$25.00} Interest Charge on Purchases XXXX New Balance $ XXXX Minimum Payment Due XXXX *Previous Balance of {$79.00} was paid down to {$78.00} ( equaling two ( ( 2 ) ) annual membership fees not paid My position is such, Capital One restricted my ability completely from enjoying and membership benefit ( s ) that the Annual Membership Fee provides through the restriction of my account. I continued to fulfill my responsibility promptly and timely of paying my account off. I do not see how one could expect or for that matter insist that these fees are payable, open to late payment charges and then to even charge interest on it as if they are purchases, Please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: NV

Complaint narrative:
Was notified by relative of summons 2 months after filing date of lawsuit regarding old debt. on XX/XX/2021 I called and emailed Rausch Strum to set up a payment plan but rep told me she could not accept my payment. I emailed company also and haven't received a response.

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 2021-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 @ or around XXXX XXXX, I attempted to make a purchase in the amount of {$7.00} at fast food restaurant chain XXXX XXXX My purchase was in person using the chip enabled debit card. My transaction was declined. I had more than ten ( 10 ) times the purchase amount in the account at that time. I have not been able to use any of my assets associated with this card, which effectively such assets are the target of fraud by Square Inc . I have previously tried several times to resolve similar issues with Square Inc., all to no avail. Square Inc., has never provided an explaination as to why each and every transaction request to date has been declined despite sufficient funds to pay for all transactions to date. Square Inc., is engaging in wholesale fraud, and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
When I found out XXXX XXXX was taking loans out online in my name using my social security number ( she's my biological mother who is a criminal and was stripped of her parental rights ) I filed an identity theft report with the FTC and my local police station. I then got copies of my credit reports and sent documentation to the places where she had gotten loans. I spoke with representatives from these places over the phone as well. Cashnetusa said they would mark the account as fraudulent and remove it. I just received a letter from a collection agency trying to collect payment for that loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
We are getting solar installation with XXXX. They asked us to do a Loan with LoanPal. Today we just were told by LoanPal that we had to open a credit union account as part of the loan. we were forced to sign a XXXX with XXXX XXXX XXXX XXXX This was not discussed at any point of doing the Loan. 

Additionally it was not discussed at the time of the Loan that an ACH /autopay would be required in order to get the 2.99 % rate. It was only revealed to us AFTER we signed the loan that we could pay as we wished through bill pay or on our own but it would be a higher rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: PA

Complaint narrative:
Hello I was contacted by FCR SERVICES at the phone number of XXXX. They told me to contact that number or go to XXXX. I input my zip code last name phone number and email to locate my account as I was unsure of the debt. I have a feeling that this is a scam as I checked on XXXX XXXX and no debt was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc.
State: NV

Complaint narrative:
I had a collection with Quantum Collection that was for an apartment, XXXX. I moved in and the grounds were in bad shape over flowing dumpsters, trash every were the unit itself looked like it was never clean. It was filthy and gross. I told management that I was not going to fulfill the lease for this reason and that I would be moving out within the week. Which I did, I didn't even unpack my cloths. They kept my deposit and I think they pro rated my rent, but now I have a collection for it. I disputed the collection they were never able to provide me with any information to validate this debt. After pressing the for several months they finally deleted it from my credit report. Now I have another collection agency, XXXX XXXX, trying to collect on this bogus debt. Also, they have increased the original balance from {$620.00} to {$640.00}. This is a fake collection they can not provide any reason for the debt and they just keep selling it to new collection agencies.

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