vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX Date :XX/XX/XXXX-XX/XX/XXXX Situation : XXXX XXXX  refused to disclose the arrival of XXXX  tokens from XXXX XXXX XXXX for a total of XXXX dollars via direct deposit from XXXX XXXX 's Bank Account at XXXX XXXX XXXX ( nickname XXXX ). 

I called Attorney General XXXX 's office and used his help desk line and was pair with the Consumer Financial protection Bureau ( CFPB ), they generated the investigators and forwarded to the FDIC who validated my complaint and Office os Comptroller of Currency who issued the XXXX Ticket number for the docket for XXXX dollar settlement from XXXX XXXX XXXX XXXX XXXX, Original solution : first attempt was on XX/XX/2019 at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX | XXXX, Pa.. The United States Bounty XXXX read a message from XXXX of XXXX plays with ( 3 ) Gold Awards and reward of XXXX dollars and did not complete the task of Extradition of XXXX XXXX. 

Solution : PLEASE HAVE THE CARRIER TAKE OFF THE XXXX EQUIPMENT AND REDELIVER COURT GRANTED SETTLEMENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PH ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested but did not address the inquires.

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 2021-01-18 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: I.C. System, Inc.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing

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 2021-01-18 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: TX

Complaint narrative:
I notified the bureaus that the information that is being reported is not only inaccurate but also a violation of my federally protected rights as a consumer and they continue to report the information continuing to cause irreversible damage to my reputation as well as causing financial harm to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, ALLY FINANCIAL Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.

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 2021-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is the third time I have had to dispute the account that was illegally re-aged MIDLAND CREDIT MANAGEMENT # XXXX and place on my credit file. I have filed a FTC ID theft report and a CFPB compliant. I have never done any business with MIDLAND CREDIT MANAGEMENT. Please remove this account at once. I have no problem with filing a LAW Suit against MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/XXXX, I disputed the way Equifax reported on a collections account that I have been paying every month. Therefore, the balance is decreasing every month. The balance is currently {$15000.00}. Equifax 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if this was a new collection item. The score drops between 18 and 23 points when this happens. I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. I disputed this situation with Equifax on XXXX/XXXX/XXXX and when I made my XX/XX/XXXX payment, Equifax did not show the decrease in my balance from {$15000.00} to {$15000.00} and decreased my score on XX/XX/XXXX by 18 points with no other negative activity on my report. This report is about Equifax and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action/inaction in response to positive behavior. It is scoring my report as if a negative action took place or as if no positive action had taken place. This is a design, programming or other flaw in the system that needs to be addressed. The people involved are myself and Equifax. No individual has identified themselves from Equifax in their response or lack of response. They promised a response by XX/XX/XXXX regarding this matter and NOTHING has happened. Nothing changed. Their response is still pending. Today is Monday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-18 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-18 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: GA

Complaint narrative:
The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XX/XX/XXXXXXXX XXXX ) for {$200.00}.

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 2021-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.

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 2021-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: MD

Complaint narrative:
I wasn't able to work due to the pandemic and when the benefit payments stopped I couldn't continue to make payments on the car loan and the Loan Company came to repossess my car. Now I don't have the car to work even when I get work and I am liable to still pay for the car. It's just not faceable and I believe this financial company have been unreasonable putting me in a very difficult situation.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing today in regards to my account with JPMCB Card Account number XXXX. I would like to discuss the late reported in XX/XX/2020. Due to Covid I was unable to get the payment made. As soon as I was able I did make the payment quickly. I am asking for an adjustment to be made to for XX/XX/2020 to either paid as agreed or no reporting for that month due to covid and the long good standing payment history I have with your company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I didn't receive a notification of any kind. Since my divorce, I have filed a change of address card with every move and my phone number is unchanged for 15 years. Midland Credit management did not make a good faith effort in contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/2014 created a " NEW LOAN '' to STEAL my homestead without my knowledge or consent. I HAVE NOT executed any loan documents on XX/XX/2014 with Nationstar Mortgage. Nationstar Mortgage created a new loan {$160000.00} committing mortgage fraud. I HAVE NOT MADE ONE SINGLE PAYMENT ON THIS ALLEGED DEBT AND I WILL NOT MAKE A PAYMENT ON THIS FRAUDULENT MORTGAGE CREATED BY NATIONSTAR MORTGAGE. NATIONSTAR MORTGAGE IS CREATING MAIL FRAUD, MORTGAGE FRAUD, SERVICING FRAUD, AND VIOLATING THE FEDERAL AND TEXAS DEBT COLLECTION PRACTICES ACT. As you are aware, Nationstar Mortgage is notorious for this type of fraudulent conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: NY

Complaint narrative:
These companies are inaccurately reporting items on my credit report that don't belong on there. I have sent letters and complaints over 45 days ago and still haven't gotten any response. Please assist me in removing these unauthorized accounts and infomtnatin from my credit report. Enclosed are photos of my ID, proof of address, social security card and the letters sent to the credit card companies that they disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: GA

Complaint narrative:
The credit bureau is reporting a fraudulent account on my report. The account reporting was fraudulently established by my ex-wife without my consent. The name on the account reporting is XXXX XXXX  ( XXXX XXXX ) for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
I submitted a complaint recently, complaint # XXXX-XXXX, but inadvertently forgot to upload the proper documentation. Please see the attached. This complaint is to be reviewed with complaint # XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis is reporting a Bankruptcy that do not belong to me. If not removed i will be filing a civil suit against Lexis Nexis if not removed immediately. Under the FTC and Fair Credit Reporting Act, Lexis Nexis is Violating this law by reporting incaccurate information. Im unable to qualify for Credit because of this. I feel under privileged because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 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: TX

Complaint narrative:
I have tried to have Trans Union to correct the inaccurate information and I also notified them of the fact that they were in violation of my federally protected consumer rights. They have yet to delete the information per my request or update my consumer report.

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 2021-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2021 a call from XXXX and XXXX called to say my credit card was used to purchase several items from XXXX. They knew my credit card number and expiration but wanted the three numbers on the back. They called several times in a row. I called the Capital One number on the back of the card and this is not their process and the purchases were never made. 
I cancelled the card. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Massachusetts Educational Financing Authority
State: OR

Complaint narrative:
I have student loans with XXXX, I refinanced them through MEFA in XXXX of 2020. MEFA never paid off XXXX. Now MEFA/XXXX  are demanding payment and charging me interest for student loans they never paid off. They did not pay off the loans that I was refinancing. My student loans instantly went from XXXX to XXXX and are being reported on my credit report. 

This is 100 % fraud on MEFA/XXXX. They refused to work with me and are now demanding payment for loans that are invalid since they did not payoff the loan that was being refinanced. 

I contacted MEFA at XXXX multiple times about this and they say there is nothing I can do and I am responsible for paying them. 

So now, after attempting to refinance I am still responsible for paying the original loans to XXXX while MEFA is also demanding payment. I am also accruing interest now on invalid student loans and is about to be marked as delinquent to an invalid loan which is theft.

Company response to consumer: Closed with explanation