vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a collection notice from Midland Credit Management informing me of a debt in the amount of {$14000.00} for a XXXX account. I have disputed this charge as the provider and address for services was in Florida. I have never resided, or had services provided by anyone in the state of Florida. The result of disputing this charge I was informed that they believe the information is accurate. I was then advised to file a police report, which I have. XXXX County Sheriff 's Office Report XXXX XXXX. 
I continue to dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: T.S. Holdings
State: TX

Complaint narrative:
Iq Data contacted me on XX/XX/XXXX around XXXX about collecting a payment from an apartment complex for an outstanding balance that doesn't even have 10 days of being posted and in which I had questions about and never received answers from the leasing office despite the multiple attempts to talk to them just for an explanation. The agent from Iq Data asked me to pay for this debt in full on that first call, and expected me to give her my sensitive payment information when I wasn't aware of a due date and I was never informed by the apartment complex or the agency that this debt was transferred over to Iq Data for collection. This agent at Iq Data threaten me that if I didn't pay this debt in full the same day I was going to incurred interests, and that it was going to get reported on my credit and that it was going to affect me from refinancing and doing anything with my credit. I was very confused and scared about this call and so I hang up.

I called the apartment complex later that same day to verify and they provided me the agency name and contact information so I called a second time in the day asking for what legal procedures they took to notify me about this debt since I never received a statement with a due date on it nor any notification that this account was getting transfer over to collections. She told me that the apartment complex and the agency " mailed it out '' to my new address which I am sure it is not true. I never received anything in the mail. and she told me it was not their problem and that they didn't have to send anything by law. Since I was asking for more information, she got upset that I was challenging her with my consumer rights on this, and how I thought this was illegal. She started raising her voice and not letting me explain anything back to her so she hangs up on me.

I finally called them a second time and submitted payment because I do not want anything reported on my credit. However, I certainly feel this is not the proper procedure and treatment for anyone. I also feel they have follow proper written communications guidelines with due dates and consequences explained to protect consumers of unfair and abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Phone calls started roughly about two months ago from this company whom I have no idea is not have ever had business with. They call starting at XXXX and continue to call. They spoof their phone number, as I have blocked each number they still get through with a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
As discussed with CFPB officer over call, this is not a duplicate complaint and asked me to raise a new complaint. 

As XXXX from Rocket Mortgage said during the loan estimate process, the XXXX dollars will be used to cover my loan origination fees, which was not levied during the loan procedure. Why customer need to pay if XXXX has not communicated to other loan office XXXX? 

Q1. Please explain why the XXXX dollars listed under adjustment and credits in the loan estimate document were not applied at closing. If customer notify you for missing credits to you, why are you not reimbursing? 

I simply want an answer to the above question, and I'm also submitting a complaint under the Texas Deceptive Trade Practices Act which need minimum 60 days. I have loan estimates from more than four lenders, but no one has shown me adjustments or credits, which is violation of deceptive trade practice. I have already provided all those details in XXXX. Also, I have raised complaint with Attorney general of Texas as well. 

If you don't want to reimburse me that amount, please let me know reason for the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

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 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: MN

Complaint narrative:
I previously had a Discover Card credit card in or around XXXX. During this time, Discover Card offered a free credit monitoring and identity theft monitoring products, which they forcefully marketed to Discover Card holders. I do not recall signing up for these monitoring tools. Then, my credit card account was charged off by Discover Card, and the debt was then sent to an outside collection agency. I paid off the debt in full, directly through the outside collection agency, in or around XXXX.Since the account was charged off in-house by Discover Card, I continue to receive excessive and unrequested e-mails from their credit and identity theft monitoring products, which I have not been able to access or use since my account was charged off ; I have absolutely no use or access to these tools because I am no longer a Discover Card credit card holder. Despite that, Discover Card continues to send me these e-mails that alert me to any new changes to my credit file or any potential identity theft, such as finding my Social Security Number on the Dark Web. There is no link in the e-mail to unsubscribe from these e-mails, and because I am not a Discover Card account holder, I have no possible way to log into my account to edit my e-mail preferences to discontinue these e-mails from Discover Card on their products that only applied to me when I was a customer with them. The e-mails are non-stop and abusive. I am also concerned that Discover Card is knowingly and willingly misusing my personal information through their credit and identity theft monitoring products. There is no reason, whatsoever, that I should continue to receive these e-mails when I have not been a customer in several years, and furthermore, there is no way to unsubscribe for their excessive and abusive marketing e-mails concerning a product I do not have any access to. These e-mails are being sent to both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am the victim of identity theft as of XX/XX/2022An existing credit card was hacked, and then XXXX credit cards were approved ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) that I did not request. I filed a dispute with Equifax on XX/XX/22XXXX, requesting these inquiries be deemed fraud and removed from my credit file. Both times Equifax resolved the disputes as no fraud found. I want these inquiries removed from my account as they were fraudulent credit card applications. 
Note that I placed fraud alerts and security freezes on my credit file with all three credit bureaus on XX/XX/22.
The Equifax dispute claim number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: OH

Complaint narrative:
I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
Misplaced payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This is the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I sent a letter to XXXX XXXX XXXX, XXXX to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.

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 2022-02-03 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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Motor Credit incorrectly reported me 2 months 30 day late for XXXX and XXXX XXXX. I paid 3 months in advance in XX/XX/XXXX and was told by Toyota Motor Credit that Auto loan was satisfied and paid in full. Fast forward to XX/XX/XXXX, and I was shocked that my credit score dropped by XXXX points when trying to purchase a new home because of the inaccurate late payments. I called Toyota Motor Credit and was told that 2 payments were left and was I given wrong info. I made payment immediately for {$1900.00} on XX/XX/XXXX. I was told I have to deal with the credit bureaus to fix their error. I sent letters to credit bureaus on XX/XX/XXXX and got zero response and XXXX refuses to remove inaccurate late pays from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a check from my mother for a family emergency and deposited it in my Bank of America account. Bank of America made the funds available immediately. I then started to use the money to pay bills. My mother 's bank, XXXX XXXX decided to flag the check as fraud and stopped payment after saying the check was cleared. Bank of America then reversed all of the payments and charged me a total of eight {$35.00} NSF fees even after the money had been but into my account a few days later. I tried resolving the issue, but no one at bank of america seemed to care.

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 2022-02-03 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: AL

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have been trying to valid a fake/ wrong/ invalid debt from this company now for XXXX  months. I have asked them for verification and proof of this debt, that they legally own this debt and I have been asking to verify this debt for months. I understand that this needs to be removed within 30 days if there is no response for this scam and its still reflecting my report. Never not once have I received any information in writing that verifies this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My Social Security was ringing without my cas and I would like to report these XXXX XXXX increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Sensible XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these XXXX hard inquiries to be removed please.

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 2022-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: MN

Complaint narrative:
The original creditor of this credit card debt was XXXX XXXX XXXX. The debt was charged off and sold to various debt collection agencies, most recently XXXX XXXX, who has outsourced the collection of this account to Tate & Kirlin Associates , Inc . I received a notice from Tate & Kirlin in XX/XX/2022 that stated the debt would be removed from my credit file by XXXX XXXX, their client, if I satisfied the debt in full for XXXX  I paid the XXXX} on XXXX XXXX and received the attached e-mail receipt of payment. I spoke to XXXX XXXX XXXX on XXXX XXXX, who advised me that it would take a couple days for my payment to post to my account with their office, but had I made a payment directly through him, the payment would have posted to my account immediately. XXXX XXXX indicated he would follow up with me in a few days to issue a paid in full/debt satisfaction letter. I never heard from XXXX XXXX. On XXXX XXXX, I e-mailed Tate & Kirlin for an update on receiving the debt satisfaction letter and asked when XXXX XXXX, their client, would be notified that the debt had been paid in full, and I received a reply from a XXXX XXXX XXXX, who simply sent me a debt satisfaction letter and a regulatory debt collection notice for consumers in certain states. I replied directly to XXXX XXXX to ask if XXXX XXXX  -- again, their client and the owner of this debt -- had been notified of my debt being paid in full so that XXXX XXXX could delete the account from my credit bureau reports. XXXX XXXX failed to respond to me. On XXXX XXXX, I e-mailed XXXX XXXX and the general e-mail box for Tate & Kirlin, again, asking whether or not their client and the owner of this debt, XXXX XXXX, has or would receive notice that I had paid the debt in full directly to Tate & Kirlin. As of this complaint, no one has responded to my e-mails. I am concerned that Tate & Kirlin are a fraudulent organization who has collected my XXXX  and fraudulently misrepresented their written notification that this debt would be removed from my credit bureau files once I satisfied the debt according to our written and verbal correspondence. I have attached all pertinent documentation, and I encourage all reading this to pull the phone conversation I had with XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I had an issue with my bank due to a fraud alert on a check I deposited. This alert caused funds to be rejected and payments to be reversed. After spending a half day on the phone and going to the bank I was able to resolve the issue and have the funds cleared. However, because of this I was charged seven {$29.00} returned payments fees for payments less than {$29.00}. I called American Express and explained the situation, but no one wanted to listen or help. If had extra money sitting around this would not be a problem but I can barely make my payment. Can the CFPB please help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX  Fraudulent account was deleted by TransUnion and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General XXXX and TransUnion for not deleting these account. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I will further pursue all of my legal remedy without further notice to XXXX and TransUnion. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. XXXX5 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: NE

Complaint narrative:
My wallet was stolen about 3 months ago ; my loan was almost paid off, but the wish to add on to the loan. They were playing a game over the phone. When I called the guy did not want to answer and tell me the amount that I had owed. My fault, because they are thugs stealing from people. 

When I ask the guy what I had owed ; he did not want to answer.

Company response to consumer: Closed with explanation