vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Fair collections and accounts removed XXXX it has already been removed from my credit and back XXXX XXXX XXXX has already been removed and came back XXXX XXXX XXXX XXXXXXXX has already been removed and came back XXXX XXXX  XXXX has already been removed and came back XXXX XXXX I am not even on this card for the last 6 months

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 2021-09-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Opened an Amazon secured credit card. I contacted Syncrony Bank asking for the account to be closed security deposit be closed and paid the balance. To date account has not had the deposit applied so that Syncrony Bsnk can charge me a late fee.

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 2021-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: NJ

Complaint narrative:
I received an alert less than 24 hours that there was a hard inquiry pulled by the two companies listed below on the dates provided. I called both companies and Equifax to tell them these inquiries are involved with fraud. I never authorize the hard inquiries. I ask to have them removed. Under the FCRA Legally the unverified and unauthorized items must be removed. Please help? 


XXXX XXXX XX/XX/21 XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MT

Complaint narrative:
This company has posted on my credit reports that I opened a credit card with them. I have not heard of this company. They do not have a phone number. I have not received a credit card from 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 non-monetary relief
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a complaint, but it is coming back with my name and another name. The other name is XXXX XXXX. It is my understanding that this is effecting both of our credit reports. Can you please straighten this matter out for 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 2021-09-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
1. Please furnish a notarized, certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that your client is the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 
5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

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 2021-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
PHH Mortgage is impossible to communicate with. 
Recently they have realized how much money they could make processing the phone payments for which XXXX XXXX was charging a {$7.00} fee. 
What they did was turn a simple process into a complicated process which now takes ten minutes and eighteen separate phone prompt decisions just to make a basic mortgage payment.

Also the language is basically designed to confuse their mortgage holders in order to collect more money by creating approximately two dozen opportunities to make a mistake which is very confusing for their senior customers.

PHH is an evil empire and this issue needs to be addressed as soon as possible.

PHH also sends out fake letters claiming mortgage payments could be cheaper in order to receive those fees when actually any late payments in the past year makes it impossible for someone to qualify for these offers! 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Navient Solutions, LLC.
State: VA

Complaint narrative:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big XXXX  on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before 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 2021-09-08 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: EQUIFAX, INC.
State: VA

Complaint narrative:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The department of navient education is reporting 6 late pays on all 3 of my credit reports and mailed off letters on XXXX XXXX asking them to kindly remove because that information is incorrect. and they have not done so. I also disputed this information before 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 2021-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
1. Santander Consumer USA XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX did not reported to the Credit Bureaus that the car I co-signed a loan for was returned after the last payment on XX/XX/2018. Santander also sent a fraudulent letter to my advocates email in which all my private information was included. Today when she called, they refused to speak with her even though she has POA on me and after they already violated the privacy rules under the Fair Debt Collection Practices Act. 
All I need is that they remove me from the credit bureaus. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I turned my lease in at the end of XX/XX/XXXX. There was some paint damage that I filed an insurance claim to cover. The insurance company approved the repairs of just over {$11000.00} and we paid insurance to then pay them to fix the damage. We were told everything was completed and done. About a year later, sometime in XX/XX/XXXX, I got a notice from my credit report that I had a delinquent account and I checked and it was for Ally Financial, who I had the lease with. They were saying that we owed almost {$20000.00} on the lease we turned in. We called them and they could not explain why we owed the money. From then until now ( XX/XX/XXXX ), we have been on the phone from hundreds of hours with Ally trying to figure out why we owed this money. They have updated the credit report several times with many different outcomes over the last year+ including charged off, repossessed, payments missed, current, and everything else in between. Over this time period, we have only received 2 letters in the mail from Ally, both with conflicting information and amounts we owed. They have never contacted us via phone, email, or mail otherwise. My credit score has been damaged as a result of this, going from around a XXXX down to below XXXX and now back up to XXXX. I continuously call and talk to different people and no one has an answer and can not understand the notes on our account. Sometimes we get someone who promises to figure it out and get back to us and never does. We have spent almost every day off we have had in the last year trying to call and get an answer with no resolve. Today, I received a letter in the mail saying that we owe {$6200.00} and that they are willing to settle the debt. I still have no explanation as to what this debt is for and why we owe it. Can you please help us?!

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 2021-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
On XX/XX/2016 I entered into a consumer credit transaction with XXXX XXXX  extending them my credit through my credit card. This consumer credit transaction was paid for with a finance charge and is the SUM of all charges and does not include a cash payment under the provisions of 15 USC 1605 ( a ). Also I put down a cash payment of {$11000.00} in a credit transaction in which is against my federally protected consumer rights. XXXX XXXX  and PennyMac also violated 15 USC 1611. They willfully and knowingly failed to disclose information required under the provisions of 15 USC 1601. My information was illegally sold to a third party which is PennMac Mortgage. I never gave consent to PennyMac to contact me or have my information. PennyMac has failed to show original documentation because they were not there for this consumer credit transaction as they clearly disclose. A transfer of sale PennyMac says it common in real estate but common is not governed by federal law. In fact it goes against my consumer rights. I do not have a contract with PennyMac Mortgage, they were not present for the transaction and I do not owe this alleged debt. PennyMac only provides statements in which is hearsay. PennyMac continues to violate my federally protected consumer rights. I sent PennyMac a CEASE and DESIST and they have violated my federally protected rights under 15 USC 1692c ( c ). PennyMac threatened to Sheriff Sale my home which is illegal under 15 USC 1692 ( i ). They can not take legal action when its already paid for and no debt is owed. A contract requires the meeting of two or more natural minds, consent, consideration, and an offer has to be done. That was not done with PennyMac. PennyMac continues to use abusive tactics, and language to oppress myself the consumer. PennyMac has continued to destroy my financial reputation by reporting non public information that they received illegally and without my permission which is identity theft. I was not given the option to opt out of reporting under the Graham Leich Bailey Act 15 USC 6802. PennyMac can not deny my affidavit of truth, it must be answered by federal law. Its a statement of facts because I the consumer was the only one present for this consumer credit transaction. I am the original creditor for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted several disputes containing errors and inaccurate reporting information on my credit file that has been hurting my credit due to the incorrect inconsistencies experian is reporting on my credit file. 
Every time I submit a dispute they verify the information with their vendor and DO NOT EVER send me the method of verification as requested and they dont update the file as requested they just state that the information is verified or the information remains unchanged and they are supposed to verify information per the 15 USC 16a they are required to complete accurate investigations through several methods that dont include using their vendors.

There are several incorrect items with this account reporting and they have failed to verify this account information accurately. I have given them time after time to get this account correct and they have failed.

They dont even report the correct account number! After they stated it was updated. I have submitted photos of the disputes and the account as it reports with the errors still reporting on this account after four disputes!

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 2021-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : 507 Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Credit and Debit Cards have significant delays in processing transactions usually 3 days or more resulting in over limit fees and negative account balances. I had paid my cc bill in full last month only for them to debit the amount from my checking account immediately but withhold the credit line for 7 days. During that time they allowed a charge to be processed with with no available credit resulting in over the limit fee and finance charges. I had a day on my cc recently where I made payments within 24 hrs. They were not posted immediately. My balance on my cc was {$83.00} XXXX the next day {$460.00}. I woke up this morning to a negative checking account balance because their system has significant delays and gives erroneous balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: SC

Complaint narrative:
I signed up for a bonus that gives {$400.00} for opening a checking and {$100.00} for opening a savings after meeting the terms. I received the checking bonus, but did not receive the savings bonus. I have called and US bank is dragging their feet. It has been well over 60 days per the terms for me to receive the offer and they have not done anything to resolve this. 

This was offered online and in branch. I have also attached an online flyer that I found after US Bank couldn't keep up with their own offers. The phone agent said he saw the code attached to my account but it has been many weeks with no resolution.

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 2021-09-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I received a email from my XXXX saying there was a credit inquiry. 

It was problematic because my XXXX account is frozen. I placed a freeze to prevent identity theft. 

When I called XXXX, they informed me that there are exemptions to the credit freeze, such as being in business with them because I have shopped there. I informed them I do not have any credit cards, and have never given them my information. How was it possible to inquire on my credit when there is a freeze and I was never contacted. to which they hung up on me. 

I would like this inquiry off my account as I did not do it, and I am still unaware of how anyone was able to inquire with my account being frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation