vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received correspondence from XXXX XXXX  XXXX, law office representing Citibank , N.A . stating they were a debt collector attempting to collect an alleged debt. 
On XX/XX/XXXX, I mailed a letter asking for validation of the alleged debt. 
On XX/XX/XXXX, received another correspondence from XXXX XXXX  XXXX listing information and not validating the alleged debt. 
On XX/XX/XXXX, mailed an Affidavit of Loan Denial certified to XXXX XXXX  XXXX that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified to Sears/CBNA that went unrebutted and stands as truth in law. 
On XX/XX/XXXX, mailed the same Affidavit of Loan Denial certified for a third time that went unrebutted and stands as truth in law. 
On XX/XX/XXXX and again on XX/XX/XXXX ( due to usps delivery delays ), I mailed a notarized Affidavit C & D certified to XXXX XXXX XXXX. 
On XX/XX/XXXX, I received documents from District Court of Maryland for XXXX County stating the case had been voluntarily dismissed. 
On XX/XX/XXXX and again on XX/XX/XXXX, I mailed a notarized Affidavit of Truth demanding that the information being reported to the three consumer reporting agencies be deleted from my three consumer reports, subrogation of the bond to settle the charge and an invoice for XXXX for violating the following FEDERALLY PROTECTED CONSUMER RIGHTS15 USC 1681n, 15 USC 1681o, 15 USC 1692c, 15 USC 1692d and 15 USC 1692g.

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 2021-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
I received letters dated XX/XX/2021 indicating that I have made either 24, 27, or 29 total PSLF qualifying payments, depending on loan sequence. I received further correspondence on XX/XX/2021 indicating that I instead made either 25, 28, or 30 PSLF qualifying payments, depending on loan sequence. As my normal billing date is the XXXX  of the month, I do not understand why there would be a discrepancy between correspondence on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX I notified our mortgage company XXXX XXXX  that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call equifax since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using equifax for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at XXXX telling me that they have fixed everything on their end and that credit report will go out to equifax on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at XXXX tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at XXXX told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

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 2021-08-10 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: NJ

Complaint narrative:
I noticed a few accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: MI

Complaint narrative:
I signed up for a 3 month marketing contract with a company called XXXX ( XXXX ). XXXX XXXX was the sales representative I spoke with. He verbally promised me the contract would end after 3 months without me having to do anything. I paid for 3 month because that was the agreement. Roughly a year later I was contacted by a collection agency on behalf of Vivial going by the name of McCarthy, Burgess, & Wolff. They claimed I owed Vivial hundreds of dollars. I reached out to both companies and told them that I had signed up for a 3 month contract with XXXX XXXX of XXXX. I mentioned that the contract I entered into was to terminate automatically at the end of the 3 month, that I paid for all 3 months, and that I should therefore have no balance with them. Both companies refused to listen and McCarthy, Burgess, & Wolff continued to bother me with emails, phone calls, and written letters. I eventually talked them down on the amount and just paid it because I couldn't take it anymore. I have a life and I can't take this abuse. I'm concerned the company may be using this as a fraudulent means to earn money. XXXX claims all of their calls are recorded, but I asked them twice for the recordings knowing they would shed light on what happened, and they were unable to produce the recordings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I deposited a cashier 's check from my husband 's account at another local bank on XX/XX/XXXX to my personal checking account at Wells Fargo. I deposited it thru the drive-thru teller who never mentioned a hold. My receipt says it will be " fully available on XX/XX/XXXX '' I assumed it would be a 2-day hold MAX. I check my account in a few days and it still had not been credited. Today, XX/XX/XXXX. I get a letter from Wells Fargo that it will be held until XX/XX/XXXX, a full 10-day hold, and to " refer to the maker of the check ''. If they would have noticed/read the cashier 's check, the REMITER is my husband, who is also the POD on my account. My husband also has several accounts with Wells Fargo. This is nothing short of a money grab by Wells Fargo to sit and use my money. What is the point of a local cashier 's check? The funds were removed immediately from my husbands account on the day he gave me the cashiers check ( XX/XX/XXXX ) as is standard/common/well-known practice,

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 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
No contract with the company, I disputed with the original creditor in the past and it was removed from my report due to a fraud account. My identity has been compromised and used for goods and services that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TN

Complaint narrative:
XXXX allowed XXXX University to use my taxes and put me on a loan that I never agreed to or signed for. I provided my taxes so my daughter would be better able to receive the aid she needed for her college. I never signed or agreed to be a cosigner. They filled out a loan and stole my information.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclays has repeatedly reduced my credit limit on my card during the course of the pandemic - even as my overall credit score has risen and my income / ability to pay has risen. The team provides no preemptive notice of doing so - after a statement closes, Ill see this change to my available credit on my credit report.

I have multiple other accounts, have never missed a payment with Barclays, and have not even asked for a forebearance - and yet Barclays continues to target me unlike any other banking institution I work with ( XXXX, XXXX, XXXX, etc ) Each time I call and complain about this treatment, no one will provide me with any rationale why they of all banks think that improving creditworthiness = lower credit limit.

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 2021-08-10 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XX/XX/1979. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process. 

XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Talk to a Representative with a credit card company and explain to them that I never own a credit card through them and not even sign with them. 4 year later I am finding out that I got a garnishment with them to pay a debt, I am very confused by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter to Equifax credit agency to investigate and remove any and all information that is inaccurate and non-verifiable. As of today, I have only received a generic letter from XXXX  of there Investigation Procedures. Prior to sending the letter, I requested a copy of my report, received, reviewed and notice address which I had not lived, as well as inaccurate information. 
XXXX  removed all inaccurate address and added more that did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TN

Complaint narrative:
I Have New and Relevent Information : After reviewing your response to my dispute letter of the accounts listed below. I have received additional information. I understand that you quoted the law in your letter you sent to me. The FCRA also states that I have the right to dispute inaccurate and incomplete information. This account is inaccurate and incomplete. For the fifth time, Im asking you to do a reasonable investigation and fix this problem. If you choose to ignore my dispute, when I have provided new and relevant information according to the FCRA, I will have no other choice but to escalate this matter and file complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 

XXXX Account XXXX Experian is saying that date of last activity was on XX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX Account XXXX XXXX  is saying that date of last activityXX/XX/XXXX and Date of last payment was on XX/XX/XXXX XXXX  Account XXXX XXXX  is saying that date of last activity XX/XX/XXXX Experian is saying that date of last activity XX/XX/XXXX XXXX  is saying that date of last activity XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX Experian is reporting on my credit report Date of last payment was on XX/XX/XXXX XXXX  is reporting on my credit report Date of last payment was on XX/XX/XXXX 1. You must assume that my dispute of this information is valid unless you have evidence that states otherwise. Do you have this evidence? If not, and you dont investigate, then you are being non-compliant. 

2. I have provided you further information on this dispute and, as a result, you must investigate and, if you choose not to, then you are non-compliant again. 

These actions are all violations of the FCRA. Every month you choose not to investigate this matter, my character is being damaged.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners
State: OH

Complaint narrative:
This is the 3 time I have disputed and filed a complaint with the CFPB and the FTC overaccounts XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX ), Third-Party Collection Agency unable to validate debt. Other problems have included debt buyers selling with accounts with one creditor and then being collecting by another whoallegedly purchased the debt ( Smith v. Mallick, 514 F.3d 48 ( D.C.Cir. 2008 ) ), disputes between debt buyers over who owns which account when buyers have purchased partialportfolios ( Wood v. M & J Recovery LLC, CV 05-5564, 2007 U.S. Dist. LEXIS 24157 ( E.D.N.Y., April 2, 2007 ) ( dispute over who owned the 1/5th of a portfolio that included the debtors account ), or debt buyers attempting to collect monies in excess of the balance of a previously settled debt ( Overcash v. United Abstract Group , Inc., 549 F. Supp. 2d 193 ( N.D.N.Y. 2008 ) ) there are so many violations I don't which one to start with. All of these accounts are fraudulent until I see PROOF OF CHAIN OF TITLE OF OWNERSHIP!! I have notreceived any documentation from any of the above companies and I request again that proof of Claim and verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
For the week of XXXX XXXX -XXXX  XX/XX/2021 XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ XX/XX/XXXX 3 overdrafts @ XXXX  $ =XXXX  $ The overdraft fee is XXXX  $ x12 in one week is XXXX  $ Im being unlawfully being charged overdraft fees which is again fair business practices and public policy.

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 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I tried to contact the company via certified mail and they won't respond to regular or certified mail. I don't know what else to do to resolve this. The company received the certified mail XXXX XXXX @ XXXX. Please help

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 2021-08-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
Pennymac bought my loan in XX/XX/2021 and immediately lost my first check. 
I XXXX  the second check which they received on XX/XX/2021. 
I made a one time electronic payment to make sure the XX/XX/2021 payment was made.

Pennymac STILL has not cashed the check they received on XX/XX/XXXX. They said it could take up to five business days to cash the check. 

Pennymac claim to have begun processing of the check on XX/XX/XXXX, and read to me my check number and an internal tracking number. My bank routinely processes my checks and has received nothing even though Pennymac claims to have begun some processing procedure internally in their company.

They have received payment and it is Pennymac 's responsibility to cash the check. I and my bank have done nothing wrong. Pennymac must cash the check and keep my account current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 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: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation