vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-20 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I contacted Midland Funding today regarding the information they are reporting to my credit file. The representative stated that if it didn't belong to me over the phone that I could send them a dispute letter. I explained to him that I have disputed with the credit bureau before and all they have done is update with the bureaus that the debt was accurate. I requested they provide me with information regarding the account from the original creditor and he gave me a website to check which only details what they are suggesting I owe. I would like for this to be removed from my credit file as I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are AMEX : XX/XX/2019 XXXX/XXXX : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX : XX/XX/2019 XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have several hard inquiries on my credit report that I DID NOT make and XXXX  is refusing to delete them. I have spoken to the inquirers themselves and they have all stated that they would send a request to XXXX to delete the inquiries but they still have done nothing and state they never received any word of this. After this long, that can not be true. 

The inquiries are XXXX : XX/XX/2019 CommenityC/XXXX  : XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XXXX  : XX/XX/2019XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WI

Complaint narrative:
I have documentation to back up my complaints as outlined below : My auto insurance rate increased and was based on a credit score from Lexis Nexis. The insurance policy provided a website of XXXX to obtain the LexisNexis credit report per my legal rights. I went to the website on XX/XX/XXXX and requested the report using their online form. ( I have a time stamped screenshot showing that my request was received ) I received a letter in the mail from LexisNexis on XX/XX/XXXX. The letter was dated XX/XX/XXXX, but not postmarked until XX/XX/XXXX. The letter stated that they could not verify my identity based on the online form, and in addition to the letter, there was a form to complete with the additional information they required to obtain the report. The form was to be accompanied with a picture of my id which could serve as both proof of id and proof of address, and the letter stated that this form could be emailed to XXXX or mailed to the address provided, but it came with no postage paid envelope. 

I opted to email the information to the email address on the form, so I completed the form and scanned it to the email address listed above along with a copy of my id on XX/XX/XXXX. Response from LexisNexis on XX/XX/XXXX was to provide my mailing address despite this appearing on my id and on the form I emailed on the 15th. I responded on XX/XX/XXXX with my address. They responded on XX/XX/XXXX by requesting my id. On XX/XX/XXXX I responded that I had already sent them my ID on the 15th and they replied that I should send it again to the email address of XXXX with the subject heading of my consumer ID ( which they provided ). 

I sent a copy of my id to that email address on XX/XX/XXXX, and got an automated reply that my email was received. On XX/XX/XXXX I emailed again requesting information and told them I would be filing a complaint. There was no response from them on this. I replied today, XX/XX/XXXX by again sending the request form, my id and a property tax bill since they indicated that an ID was not enough to prove mailing address despite an alternate message in the original letter they mailed to me, and I have not received a response yet. It is now 14 days since my initial request for my personal information. The last four of my social are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX/XXXX  Inquiry from XX/XX/2019 XXXX/XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019

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 2019-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I wrote a check out to myself for {$8600.00} from my citibank account and after the funds were removed from my account. However on XX/XX/XXXX, I was made aware that the check had been returned for insufficient funds despite the funds being withdrawn from my account already, but the funds were never deposited back into my account once it was returned. Since then I have been calling the bank hoping for them to resolve the issue. On XX/XX/XXXX, a representative told me that the process would take 5-7 Business days. Despite my calling every day to check up on my request and being assured that it was being handled and would take 5-7 days as had been told to me previously, when the day arrived that the 7 days were up, I was told that the request had never actually been submitted so there was no pending request from my account and that they had proceeded to place the request on that day so now it would take 5-7 business days to process my request. Today XXXX XX/XX/20 XXXX is the 6th business day of that period and still I have not received the check back and after speaking to an in-branch representative, I was told that there was nothing that could be done to help me. Can anyone help me 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 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX   saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery associates continually calls me on a number I have told them repeatedly not to contact me on. Each time they call its from a different number. Ive told them to send me information in the mail and that they are NOT to contact my by phone. The last time I spoke with them I told them I would be reporting them and calls ceased for about 2 weeks. I came home today to find that they had resumed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
I have disputed this collection account before, and I asked Peter Roberts and  associates, inc. to provide me the original contract bearing my signature in order to validate this debt, all they have done is send me a letter by USPS telling me that the debt was verified with the original creditor. I think they shouldnt have a problem providing me the original contract that they claim I signed, they also included copies of what they used to validate this debt and according with the federal law and the FCRA, that is not enough to validate this debt. I want this debt validated the correct way, meaning that a contract was signed by me with either the service provider or with peter Roberts and associates, inc. obligating me to pay a debt that hasnt been validated. Delete and expunge all of the accounts that you have in your files and also remove them from the credit bureaus. As a consumer I have every right to ask for the original contract bearing my signature. Also the hospital where it says that this was done has shared health information with peter Roberts and associates, inc. and that is breaking the hipaa law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 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: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but Transunion has done nothing still. 

The inquires are XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 American Exp Inquiry from XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX  is refusing to delete fraudulent inquiries from my credit report. They said that inquiries are a statement of fact, but that doesn't mean that I have given them permission to view my credit so this information is incorrect and should be investigated and deleted. 

I have spoken with the inquirers and they have all stated they put in a request to have the inquiries deleted, but XXXX has done nothing still. 

The inquires are Syncb/amazon Inquiry from XX/XX/2019 Syncb/walmrt Inquiry from XX/XX/2019 XX/XX/XXXX XXXX Inquiry from XX/XX/2019

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 2019-09-20 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Last year Citibank was required to provide a refund to customers due to overcharging on credit card interest. I waited for this refund to arrive in the mail. In XXXX I was notified that an attempt had been made to mail the refund check, in the amount of {$1100.00}, to my address, without success. This notification reached me by mail, but apparently a check to the same address did not reach me. I called the number in this notification. After being transferred between a number of people, I was finally told a check would be re-issued to me, to be patient and wait 40 days. When that check did not arrive, I called again. I was transferred around between at least eight people, spending more than an hour on the phone. In that call I was told the refund check had spoiled and the money reverted from the refund company back to Citibank - in XXXX, 2019. I was told the money had then been credited to my now closed ( and inaccessible ) credit card account ( who would want an account here? ). I requested that one or the other of the companies send the money to me right away. Finally, a customer service rep guaranteed me that she would take care of sending a check to me and guaranteed it would arrive no later than XX/XX/2019. It has not. Each person I have spoken to apparently has simply lied about sending out a check, probably saying so only to get me off the phone. I believe the 'refund ' idea is a scam. If it is real, then I would like the money owed me, plus interest sent immediately ( since it is more than a year overdue ). I have attached the Notice from Citibank which includes my phone call notes. Can you please help me to resolve this matter? Thank you.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My original first mortgage with XXXX XXXX XXXX was sold to Nationstar without my consent or advanced notification. It took Nationstar 1 year to get loan information into their computer system. During this year, they refused to accept mortgage payments as did XXXX. Nationstar stated they had no account for me. When they finally got my info into their system, they pinged my credit reports with late payments!! This caused me no option but to stay with Nationstar. 
In XX/XX/2017 my loan came to end and I requested a new loan or refinance. They agreed but never got me the documents I requested. They refused to accept any mortgage payments and again pinged my credit report with late payments. Early this year, they refused to refi my home and now put in into Foreclosure on XX/XX/XXXX. I am in the process of refinancing with another lender, but they will not give me the extra time to close this loan. They will be selling my home and putting me on the street with no place to live. 
Also, they were supposed to notify me in writing that they were foreclosing and I never received any notification. They also said a XXXX Country Sheriff hand delivered a notice to me personally. That also never happened. What did happen was they sent a notice to a former attorney I ceased working with earlier in the year. I notified Nationstar of this on numerous occasions verbally and in writing and they neglected to change their records. When they finally got my loan info, they misclassified it as a HELOC and refused to refinance a HELOC. I tried for over a year to prove to them it was my first mortgage and after much effort on my part, they finally agreed they were at fault. 
Also, I had severe storm damage to my home on the tornado force storms on XX/XX/XXXX and XXXX of this year. My insurance company approved the repairs. Nationstar has the insurance monies and refuses to release the funds to my contractors. The roof is near collapse. I need Nationstar to give me the time to close this new loan and keep my home which I have had since XXXX and get the repairs complete. This is most urgent!!! Please expedite.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, the Banco Popular De Puerto Rico ( BPPR ) inquired my credit ( XXXX  ) in request of a personal loan together with my wife. In the credit report 2 inquiries appear dated XX/XX/XXXX and another one dated XX/XX/XXXX, I make a claim in the same week of XX/XX/XXXX of the double inquiry with the BPPR ( Number of claim XXXX ) and the response to the claim was favorable to my person for which the BPPR promised to request the elimination of the inquiry dated XX/XX/XXXX. 
I ended the situation in the month of XX/XX/XXXX when I reviewed my credit report in the month of XX/XX/XXXX I find that the double inquiry was still in my credit report with XXXX to which I proceeded to make another claim, the BPPR 's response was that it had already been requested in the month of XX/XX/XXXX and they returned to commit to carry out the procedures for the elimination of double inquiry. From XXXX to the present I have made multiple attempts for the BPPR to take action in what they committed to me, I opened 3 additional claims : a : XXXX, b : XXXX and c : XXXX. The person in charge of processing the elimination of double inquiry is XXXX XXXX XXXX from the claims department. 
This situation is affecting my credit report since my score is affected by an inquiry that should not be there. I made multiple calls to BPPR customer service and the only answer I had was that they would make notes to the claim and that I would be called in 1 week ( twice I got that answer without actions from BPPR ) so I decided to open a complaint to CFPB so that My business can be addressed. 

Thanks

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 2019-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: AZ

Complaint narrative:
I am writing to request this company to cease and desist. I do not owe any money XXXX due to the following : 1. There was fraud committed on me by a online thief.

2. This was reported to XXXX and it went to their fraud department. 
3. A police report was filed because a fraudulent check was sent by online scammers. 
4. XXXX cleared the check before they verified that it was real, which it was not. Then XXXX returned the check days later. 

I am the victim of fraud and submitted all evidence to XXXX and to XXXX Police department. This collection company needs to stop harassing me and stop this illegal collection that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America Allegiant MasterCard closed my acct without warning. After I made a large purchase at the grocery store my card was declined. I am not even close to my maximum credit allowed. I called them and they said they send me a letter about my situation and they had not. Today I have received the letter stating that my acct is closed due to my risk profile no longer aligns with the banks risk tolerance. 
It says they can close the account at any time and my reward points will be forfeited. 
I feel this is deceptive and unreasonable because I am not near the maximum credit allowed.

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 2019-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
My mortgage was switched to this Company in XX/XX/2019. I had a payment agreement set up with the previous company and was told that by Law Fay Servicng had to accept this agreement. I call my Account Manager, XXXX XXXX multiple times a day and He has returned 3 calls since XXXX. I have left many messages stating that now I no longer want a payment agreement, I just want to pay my mortgage, but I still get no response even when I am promised a call back. Im so afraid they are trying to foreclose on my Home. Please help me. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have accrued $ 500+ dollars in rewards and I would like to close my account. XXXX and Citi will require me to forfeit my rewards to close my account. I would like the interest earned to be disputed to me upon my account closure.

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