vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: OR

Complaint narrative:
XXXX XXXX did n't provide the service when they visited my property at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. They generated false invoice asking me money to pay them. I disagreed and asked them to show me evidence of their work. I never agreed to pay them without performing the job. I also suggested them to go to court if they believe I owe them money. They contacted TEK collect ( collection company ) to get the money from me. TEK collect contacted me and I disputed with them. I asked them to have XXXX XXXX show their evidence ( pictures or witness or so ). TEK collect accepted their false invoice as evidence without any regard to investigate more and did n't want to agree to my dispute. I contacted their supervisor about it and reported my dispute. Even then they put my collection to XXXX. I contacted XXXX to dispute. XXXX suggested me to file complaint with FTC and provide them a report of my complaint. I have also attached my dispute with the supervisor at TEK Collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I am in receipt of AMCOL SYSTEMS offer, dated XXXX XXXX, XXXX, however, I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. 

Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Failure to rebut, address, answer or respond to CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, stand as a Default Judgment and Declaratory judgment, of the facts stated herein being true. Failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX created Summary judgment, dated XXXX XXXX XXXX XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX. Failure to rebut or continued acquiesce, failure to address, answer or respond to Final judgment, dated XXXX XXXX, XXXX, XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XXXX XXXX, XXXX, created an AFFIDAVIT OF NON-RESPONSE, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We 've been a customer of citibank since XXXX and accepted an offer for 0 % interest card. They approved the application but required we complete a form to request the Social Security Administration to send them a copy of a social security card. We refused and they would not accept a request from an authorized user on the account to close the 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 2017-10-23 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TX

Complaint narrative:
I pulled a copy of my credit report and some company was reporting a bill for XXXX XXXX XXXX XXXX. I did dispute with them and they took it off my credit report because it 's not mine. Then this XXXX XXXX XXXX company is reporting it and it 's reporting it as something new. This is n't mine and I do n't owe this. Please help me I do n't know what else I can 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 2017-10-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting Act.

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 2017-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.

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 2017-10-23 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: MD

Complaint narrative:
I received correspondence from Capital One dated XXXX XXXX, XXXX about all three of my accounts with them ending in XXXX, XXXX, and XXXX being severely delinquent and over limit status and I was instructed to destroy my cards and not use them. I have contacted Capital One for explanation of this matter as the allegations on all accounts were all false on XXXX XXXX, XXXX and I have had an excellent credit history with them prior to XXXX XXXX, XXXX. I even have recorded phone records to prove the account representative on the phone said my accounts were in good standing on XXXX XXXX and she does n't know why I received the letters.The letters sent me are attached. In a reply letter from Capital One XXXX XXXX XXXX, XXXX, they continue to dance around the issue and directly address the date of XXXX XXXX, XXXX and the status of my accounts on that date. They are committing fraud and have unethical business practices and no one within the company appears to be competent enough to address the XXXX XXXX, XXXX status of my accounts that were in good standing. They have failed to show me booking entries to prove on XXXX XXXX, XXXX these accounts were all severely delinquent and over the limit as they have accused me of. Their pointless computer generated responses are a waste of time as they have no name attached, are unsigned and they do n't answer the questions and are in violation of the law with silence in the matter. Not answering the question is silence of acquiescence. Their computer generated unsigned responses with no name on it is a protection mechanism in an attempt to hold no one accountable for their unethical business practices. Additionally, XXXX XXXX, XXXX Capital One has received an affidavit from myself stating the facts about the fraudulent acts and on this day my signature has been rescinded from the original application due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have 3 student loans that are closed on my report but it is reflecting late payments from XX/XX/XXXX and XXXX 2017 these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

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 2017-10-23 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: NY

Complaint narrative:
I have 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

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 2017-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My minimum payment was due on XXXX/XXXX/XXXX. I made the minimum payment online on XXXX/XXXX/XXXX. Kohls states that even though I paid it on XXXX/XXXX/XXXX, they now have a policy where bills must be paid by a certain hour on the due date and charged me a late fee of {$37.00}. After contacting Kohls on XXXX/XXXX/XXXX to file a complaint, they removed the late fee charge. Now I get my next month statement and the minimum payment is {$38.00} more then what my minimum payment normally is. Per Kohls, it is because I made a late payment ( which I did n't ) so the next months minimum payment automatically is more. They never notified customers of this change and when I informed them of that, the response I received was " well we added it to the back of the statements. '' Considering along with most customers I do n't get paper statements in the mail anymore, how was I supposed to read that? They are refusing to decrease the minimum payment due back to where it should be. It appears that even though they say they removed a late fee, they are still getting it by upping ones minimum payment for the next month and if a payment is actually made late, they are double dipping in the late fees area by charging a late fee AND increasing only the next months minimum payment. If a person paid a bill late due to financial issues, increasing the next monthly payment is likely to incur another late fee and higher next payment. So basically Kohls is making money by charging these fees over and over. Disgusting and Unethical!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
We got our washer and dryer through XXXX XXXX in XXXX, TX., and originally it was financed through GE Capital . Synchrony bank took the account over, and then sent it over to a debt collector. We did NOT receive notice of right to dispute, not have we ever received enough information to verify the ALLEGED debt. Honestly, we have not received a statement from them in over 5 years, 3 months now. I just got off the phone with them, and I asked them when the last time I made a payment was. The guy I talked to on the phone stated it was on XXXX XXXX, XXXX. 

THAT WAS AN OUT RIGHT LIE BECAUSE IT 'S NOWHERE ON MY BANK STATEMENT! 

THE LAST PAYMENTS I SEE FOR XXXX XXXX, WAS BACK IN XXXX, AND THAT 'S THE ONLY YEAR I SEE PAYMENTS FOR XXXX XXXX EVEN LISTED. The guy I talked to said that the amount was {$200.00}. SO, I SEARCHED FOR THAT AMOUNT ON MY BANK STATEMENS ON THE DATE HE GAVE ME, A {$200.00} PAYMENT WAS NOT LISTED ON THAT DATE, ANYWHERE IN THE MONTH OF XXXX. THERE WAS HOWEVER, A DEPOSIT {$200.00} MADE ON XXXX/XXXX/XXXX. 

THEY HAVE NOT BOTHERED TO GET IN TOUCH WITH ME IN OVER 5 YERAS NOW, NO CALLS, NO STATEMENTS, NO CONTACT WHAT SO EVER. TEXAS HAS A 4-YEAR STATUTE OF LIMITATIONS FOR DEBT COLLECTIONS, THEREFOR THE ALLEGED AMOUNT IS HEREBY TIME BARRED, WHICH MEANS THEY 'RE TRYING TO COLLECT ON A ZOMBIE DEBT, WHICH BY THE WAY IS ILLEGAL! FURTHERMORE, THEY HAVE EVEN ILLEGALLY RE-AGED THE DEBT TO THE CREDIT BUREAUS AS IF WERE NEW! 

AND, WHEN I CALLED THEM TODAY, I AKED THEM TO SEND ME STATEMENT COPIES OF EVERY PAYMENT THAT WAS EVER MADE, FROM THE TIME THAT I OPENED THE ACCOUNT IN XXXX, UP UNTIL NOW, AND THEY REFUSED TO DO SO! THEY TOLD ME THAT THEY COULD N'T DO THAT. WHY? 

BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THAT THEY CA N'T LEGALLY COLLECT IT? 

WHY CAN THEY NOT SEND ME STATEMENT COPIES? 

ARE THEY AFRAID THAT I MIGHT FINE OUT WHAT 'S REALLY GOING ON? 

LIKE HOW THEY ARE RE-AGING THE ALLEGED DEBT SO THAT IT CAN GO ON MY CREDIT REPORT? 

OR THAT THEY LIED ABOUT WHEN THE LAST PAYMENT WAS MADE? 

OR IS IT BECAUSE IT 'S A ZOMBIE DEBT, AND THEY KNOW THEY CA N'T LEGALLY COLLECT THE ALLEGED AMOUNT THEY CLAIM I OWE? 

HMMM, SOUNDS A LITTLE FISHY TO 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 2017-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
On XXXX XXXX XXXX I decided to take a loss mitigation option provided to me by my mortgage lender Ditech. I applied for a short sale on my home. I then called every week to see how the process was going and was told by numerous reps that my application was in process and even received a letter saying so. In the first week of XXXX I called up and was told that my application was incomplete. I asked why everyone else told me it was in process and the rep had no answer for me. I then decided that because I had not received any interest or offers on my property that I would file an application for a deed in lieu at the end of XXXX. I called up Ditech spoke with a representative that told me all I had to do on my application was say that I wanted to vacate the property instead of sell. I did this and got my most recent pay information and resubmitted the application. I called every week for a month again and was then told at the end of XXXX that no one ever received my application, even though for the last month 4 different reps told me that I was in process. Furious, I asked what happened and was told that they never closed out my short sale app and that the other reps should ve done that. I re applied again for a deed in lieu in the beginning of XXXX. Again I was told for a month and a half that I was in process and then I began getting calls about flex loan modifications for my mortgage. I denied this option every time I was called but I nothing something was not right. On XXXX XXXX I spoke with a rep named XXXX and he advised me that my application for deed in lieu had not been reviewed because no one removed the flex loan modification so I could not even be considered for a deed in lieu. Finally he took down the flex loan modification and I re applied for a deed in lieu again. At the end of XXXX I was assigned a new account rep by the name of XXXX. She assured me that the application had been loaded into the system and was being reviewed. On XXXX XXXX I called and spoke with a rep named XXXX and she had told me that I never applied for loss mitigation assistance and that my app was n't in process and that XXXX was n't even in the loss mitigtion department. She reviewed my application and said it was incomplete again. Every time I talk to someone they tell me something different to do. No one ever tells me the truth and know I am headed towards foreclosure. Today I am applying for a deed in lieu for the fifth time. I have had it. Please help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Global Trust Management LLC
State: CA

Complaint narrative:
recieved a voice mail around XXXX am XXXX/XXXX/XXXX Some lady said i had been issued a claim by a office booked agsist me. 
She just gave me here name that she had paper work for me to sign and she would come to my home for my signatjres. 
Let the same voicemail to my spouses phone about this. 
The end of the voicemail she gave me a XXXX area code saying to reach the booking party personally for more unforamtion on the legal actions being made. 
I called back twice before XXXX and lady answered ask my purpose told lady i was told to call for mor info. 
She asked my name then to verify my D.O.B. 
From there said the loan company name is pressing a summons for what i owed. After she said i can either make some payment o r proceed to that action. After i told her i wan na speak with my lawyer for how her approach was made

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
1. On XXXX/XXXX/XXXX, I noticed a collection account listed on my credit report for {$4000.00} through the XXXX  credit reporting agency. 
2. I have contacted the original creditor ( XXXX XXXX ) and could find no evidence of any sold balance for {$4000.00}, which is a violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
3. The information has been reported to XXXX credit bureau as a 1 month term account, which is an FDCPA violation. FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt.
4. The information has been reported to XXXX credit bureau as a closed account when it should be reported as a collection account, which is another violation of FDCPA 807 ( 2 ) ( a ) misrepresenting the character, amount, or legal status of a debt. 
5. Portfolio Recovery Assets has engaged in collection behavior that violates the Texas Finance Code Sec. 392.302, subsection 1 and subsection 4 by engaging in a large amount of repeated phone calls in which the caller does not identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In the summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted my TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. This computer glitch was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. All dates are listed below. These inquiries add a hardship and my rights were violated by TransUnion. Please make TransUnion stop victimizing me for their mistake. As a resolution, I request that all TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : 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