vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank/ Victoria Secret began reporting a credit card account on my consumer report in XX/XX/XXXX without my consent. They then claim that I owe them a debt of {$510.00} from this credit card account when I never agreed to a loan with them. I entered into a consumer credit transaction with Victoria secret and this transaction has already been paid for thru my open end credit plan. I sent Comenity Bank a debt validation letter on XX/XX/XXXX and they sent me a letter on XX/XX/XXXX saying that they sold my information to a third party collection company XXXX XXXX.. This is in fact identity theft and fraud. Comenity Bank violated many laws including 15 USC 1692 ( a ), 15 USC 1692c ( b ). On XX/XX/XXXX I sent them a cease and desist demand which they received on XX/XX/XXXX and on XX/XX/XXXX Victoria secret sent me an email stating that they sent me a secure message through their online portal. This is a violation of 15 USC 1692c ( c ). The reporting of this account to the consumer reporting agencies XXXX XXXX an XXXX  is a medium of communication and Comenity Bank/Victoria Secret continues to report negative damaging information to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The McHughes Law Firm, LLC
State: AR

Complaint narrative:
District Court of XXXX County XXXX, AR Judgement of unverified and disputed debt McHughes Law Firm PLLC was filed by 2 judges signing an order to distribute funds without proof of debt, nor process server receipt of service, nor right to hearing or trial to prove/disprove alleged debt unverified, no documents filed by plantiff of any kind including answers by garnished, dispute of inaccurate info owing debt was ignored by all court parties and garnishee & objection to garnishment hearing was denied in order to object it, negotiate if necessary, challenge unverified judgement, & negotiating alleged 2 debts in the judgement was never an option. Nor consent given to garnish wages, nor any receipts of garnishments made paid to either of alleged debts as required by me to assign if they existed and they do not. 

Magistrate judge, city attorney, clerk 's, & other judges violated in using XXXX  XXXX XXXX XXXX wire transfers to Michigan and deposited in Arkansas & 15 USC sect 1672.

Wages exempt were garnished. Loss of information by denial and without filing required documents causes inability to use required materials to determine damages & loss of profits, proof of payments were made to either of the 2 fake debt accounts by McHughes required payment from Michigan to be made in XXXX county at their p.o. box address in XXXX XXXX, Arkansas. 

No direct deposit authorization was given.

8th amendment requires REVIEW before going through with garnishment.

No right to counsel or appeal.

Error of law & abuse of discretion by judges.

Loss of rights to injunctions against any labor organization fees unlawfully deducted, unpaid minimum wages or overtime wages, unemployment insurance withheld by state and the federal cares act funds, forgery & FRAUD CHARGES existing, title III established of conspiracy satisfied, & stop of garnishments without any explanation or balance calculated from payments deducted by garnishment establish theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX and I am a former customer of PenFed Mortgage. In XXXX, I purchased a home using PenFed as my mortgage company. We closed on the house in XX/XX/XXXX. Fast forward to XXXX, I had the opportunity to refinance my house at a lower interest rate while shaving off 4 years off the note. I began the refinance process in XX/XX/XXXX. My monthly mortgage payment was always paid via auto-deduction. I paid my mortgage in XX/XX/XXXX like normal. However, for XX/XX/XXXX, I stopped auto-pay because the house would be refinanced. I informed PenFed of the refinance process when I stopped the auto-pay. My XX/XX/XXXX mortgage was officially due on XX/XX/XXXX. The house was paid off via refinance on XX/XX/XXXX. I provided PenFed with proof ( documents ) to show that they received the entire balance pay off yet they are reporting to the credit bureaus that I was over 30 days late. Again, my payment was due XX/XX/XXXX, and the entire house note was paid off on XX/XX/XXXX. They are falsely reporting that I was " 30 days '' late when that is not possible. I made contact via email with various executives at PenFed and they have ignored my request to remove this from my credit reports. In fact, they have not bothered to respond to my email at all. Persons contacted include XXXX XXXX, Executive Vice President and President of Mortgage Banking, as well as XXXX XXXX, Senior Vice President of Mortgage Servicing and XXXX XXXX, Chairman of the Board for PenFed. I filed a complaint with XXXX  Credit Reporting and they advised that PenFed confirmed that in XX/XX/XXXX, I was 30 days late. Thus, the credit reporting agency is also refusing to correct this information even though I have proof that the entire mortgage was paid off in XX/XX/XXXX. Address of the property was XXXX XXXX XXXX, XXXX, TX 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 non-monetary relief
Consumer complaint received 2021-08-11 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:
Their is a loan from XXXX XXXX that was closed in XX/XX/XXXX, and there was a late payment made in XX/XX/XXXX. XXXX and XXXX are showing the accurate information, but on my Equifax report it shows the account was closed XX/XX/XXXX, a late payment in XXXX of XXXX, and then it shows payment history 'OK ' all the way to XX/XX/XXXX with another reported late payment. They continue to update the account at Equifax, and will not removed any of the data after XX/XX/XXXX ( when the loan closed ), so it is showing that I have a late payment on the account a year after it was closed and paid in full. I have asked XXXX to fix it but they state they are reporting correctly ( this is why the other two CBs are showing accurate information ), but Equifax continues to tell me its correct and they do nothing to fix it even though it clearly shows the account was closed - paid in full in XX/XX/XXXX. So now it looks like I had a late payment in XX/XX/XXXX on that account and only on my Equifax report. This prevented me from getting a home loan, and I am not sure who else to go to have this fixed. They are clearly violating FCRA rules and they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T bank is rearranging and reordering when debits and credits hit my account so that they can charge exorbitant overdraft charges. They only stop when I complain, then a few months later, I notice them doing it again.

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 2021-08-11 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I received an alert that my credit score had changed. When I went to XXXX XXXX site I saw there was a hard inquiry on XX/XX/2021 from Citizens Bank, XXXX XXXX XXXX. XXXX, RI XXXX. I had not authorized such anything from Citizens and immediately called them. No one could help me and there was no information. I then went to XXXX  to dispute this but they said they could not make a change and that I would have to reach out to the FTC. That is why I have contacted you. My score dropped 3 points and this is unacceptable to me. Again, I did NOT authorize this hard inquiry and want it removed and also want to know how this happened. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: PA

Complaint narrative:
Include dates, amounts, and actions that were taken by you or the company : In XXXX I had spoke with a rep from IC system who asked me if I could use the child tax credit payment on this bill that was on collections with XXXX. I kindly said I would call back or make another arrangement. I found my documents and started making payments online in XXXX XX/XX/XXXX I received a call from IC System concerning a collection account from XXXX. I started making bi weekly payments of {$25.00} via internet back in XX/XX/XXXX to IC systems. The rep confirmed that she did see the payment. I also received emails from XXXX confirming payment! was received to them I guess. The company still calls me although I am making payments. I had paid off another account with the same company two weeks ago. They can clearly see that I am making payments. I thought they were calling me about another account however it was for a XXXX bill that they do see payments are being made.

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 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

Experian & XXXX BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And Experian especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

Experian makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.

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 2021-08-11 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: NC

Complaint narrative:
I have attached a copy of my ID to prove my identity so my case will not be close automatically. 

I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. 

I provided a copy of the class-action lawsuit to Experian, XXXX  and XXXX  they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed.

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 2021-08-11 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: NC

Complaint narrative:
I, as a Consumer requested my Consumer Report from XXXX, XXXX XXXX XXXX. I found out that Lexis-Nexis has violated my privacy, pursuit to 15 USC 1681 ( a ) ( 4 ). The references are as follows : XXXX- Identification # XXXX ; XXXX- ID # XXXX ; XXXX ID XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: NV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2021 I first disputed an unauthorized charge on my Chase Bank credit card ending in XXXX in the amount of XXXX for an unwanted subscription price increase by the XXXX XXXX XXXX. The XXXX XXXX XXXX  accepted my request to immediately cancel my subscription number XXXX on XXXX. 

After 4 months of disputing the charge unsuccessfully Chase executive dispute team advised me to have a new credit card ending in XXXX ( with exactly the same benefits ) issued to block the XXXX from automatically rebilling my existing card. 

After a time consuming process of notifying critical merchants of the card cancellation Chase compromised my financial security by providing the new card number ending in XXXX to the disputed merchant and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase began reporting 2 accounts to my consumer reports with XXXX XXXX and XXXX in XX/XX/XXXX and the second in XX/XX/XXXX in regards to credit cards that they claim I owe. I do not owe any debt to Chase. I sent Chase a debt validation letter on XX/XX/XXXX and they sent me statements in the mail showing transactions with these accounts which is not validation. In the process Chase has violated multiple laws including XXXX XXXX XXXX XXXX a ). They also have not responded to my Affidavit Of Truth that I sent to them on XX/XX/XXXX. They sent me a letter on XX/XX/XXXX stating that they are required by law to report these accounts on my report which is false and misleading 15 USC 1692e. Chase ignored my cease and desist letter that I sent them on XX/XX/XXXX which is a violation of 15 USC 1692c ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CT

Complaint narrative:
My husband died in 2016 and since then Equifax is reporting me as deceased. I have attempted several times over the years to dispute this they investigate but never change the fact that my credit report has a score of XXXX. I need to buy a house and this is preventing me from doing so. I need this fixed. I have submitted copies of birth certificate, drivers license, social security card, documents with present date showing my address. I dont know what else to do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CORELOGIC INC
State: MD

Complaint narrative:
I am writing to complaint about CoreLogic Credco and XXXX  XXXX. I am currently in the process of shopping to buy a new home, and as such, recently submitted for a mortgage pre-approval letter through XXXX XXXX, who pulled my credit report from CoreLogic/XXXX XXXX. Though I have excellent credit scores across the three bureaus and am in the top percentiles, and have consistently had an extremely low balance on my accounts ( i.e., less than 5 % utilization ), I was characterized as having too high of an amount owed on my accounts, across the three bureaus on the credit score disclosure notice that CoreLogic sent me.

As such, I requested my credit reports from all three bureaus, and looked at my historical reports/scores, and can clearly see that this characterization is simply untrue. When I called CoreLogic, they said it was XXXX that interpreted my scores/credit report as such ; however, this is simply untrue. Upon conferring with XXXX XXXX, it was made clear that the interpretation of my scores on my credit score disclosure notice came from CoreLogic and XXXX XXXX. 
This is immensely upsetting as it has negatively impacted my credit evaluation and ability to borrow for my mortgage, even though I have maintained an absolutely stellar credit history for years now. I simply do not understand why I am being falsely categorized/characterized by CoreLogic and XXXX XXXX, when the reality is that my credit reports do not reflect this information of a high amount owed, etc. 

I greatly appreciate your work on our behalf. 

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 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX ( a chat supervisor ) promised me {$150.00} credit for issues related to rewards points and account closing. On XX/XX/XXXX, no credit was showing and I was told it would take another 48 hours. 

Here is what XXXX said on XX/XX/XXXX. 

" I have issued {$150.00} credit on your Amex XXXX Card For which you will see the adjustment within 5 business days "

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are a few items on my credit report, that are 7 years older or more ... quite a few of them are 7 years and 6 months -- almost 12 years old. These I feel are well beyond the legal timeline to still be reported on my credit report, yes things typically fall off after 7 year 's .... 

XXXX & Equifax BOTH have NO OPTION to select as the reason for removing something as " too old to be on credit report ''. And XXXX especially gets to decide when you as a consumer can challenge something to be removed if you did so, once in the past. How is this their call over what is my credit report? If I want to dispute something each month, that really should be my decision. BUT, if something is too old to be there, why is that not an option to be selected? 

XXXX to their credit has this exact reason as an option, which should be required of all 3 credit bureaus. 

XXXX makes it extraordinarily difficult as this isn't an option that can be selected online of through their app. And no matter how many times you select " Other '', write in the reason, and state why something should be removed, you're stonewalled because they don't let you dispute any further. Why are they allowed to make this difficult for the consumer? If the FCRA law is deleted after 7 or 7.5 years, there should be an easier way to hold them to that standard, because then if that information is supposed to be deleted then the report can not be entirely accurate.

Company response to consumer: Closed with explanation