vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
On XX/XX/2021 I started an application for refinance of a VA mortgage held by Penneymac. My information was taken over the phone by a Loan Agent. I next received a secure encrypted message with loan documents to be " E-signed '' and after complying with this request I received a notice that a NOTARY PUBLIC would visit my home to notorize documents. On XX/XX/2021 two people arrived. They informed me that my wife and I would be required to manually sign 52 documents. I informed them that my wife is XXXX years old and suffers from XXXX XXXX. I then asked if I could sign for her, he replied that " Only if I had Power Of Attorney ''. 
I strongly feel that this requirement should have been disclosed prior to the application process start. I feel that they deliberately withheld this important item for fear we would not proceed with the application. 
I then called to speak to Processing Agent, she was not available. 
I then asked for Loan Agent, he was not available either. I then asked for a manager. After a long hold I was connected to a woman who said she was a manager. She started off with a clear voice asking for my name and personal information BUT when she had to reply to my questions for information, her voice suddenly got unintelligible. When I complained she said she would hang up and call back. She never called back. One other thing : I CLEARLY ASKED TO WITHDRAW MY APPLICATION & RECEIVE A CONFIRMING MESSAGE. This they failed to do also. 
EXISTING LOAN NO. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
In XXXX I paid the full amount of XXXX. In XXXX my balance decreased to XXXX. I called the company to say I paid them in full in XXXX which they agreed. They have told me numerous times to call back, or it will be off in another 30 days. I have called every month since XXXX. I am furious. Then I disputed it thru XXXX  they verified the account and that I still owed XXXX. Which is completely in accurate I called the company today to be told call tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: DISCOVER BANK
State: OK

Complaint narrative:
A fraudulent account is being listed on my credit reports from Discover Bank. 
Account Number XXXX. I never had this account and after numerous attemps of disputing the item, The Discover Card Company is refusing to remove the account. I have filed police reports about the identity theft and filed a complaint with the FederalTrade Commission but the XXXX  and XXXX  Companies are refusing to remove the fraudulent account stating the account is verified from the Data furnisher from The Discover Bank. I wrote Discover Bank for validation of the account and they refuse to send anything stating that this account can not be found. I want the credit reporting agencies to remove the fraudulent account or list it as a fraudulent account. 
Discover Bank XXXX XXXX XXXX XXXX, DE XXXX. Is the address that XXXX  says the data is being reported from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I overpaid my Home depot credit card on XX/XX/XXXX by {$1000.00} and have called 8 times and 9 hours on the phone to receive the refund back. They've told me several times they will return the money, but still have not done so. I've proven thru XXXX XXXX XXXX it was sent directly from my account. They have acknowledged receipt of the payment and overpayment and keep telling me " the check is in the mail ''. I've given them my banking routing numbers ... and still have not returned the funds as of XX/XX/XXXX. It's my understanding they are required to return my $ $ no later then 7-10 days. It's been 21 days and I want my money back that's due to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: PA

Complaint narrative:
During the months of XXXX and XX/XX/2021, I requested Experian to investigate a collection account XXXX XXXX XXXX XXXX XXXX  which recently appeared on my credit report. In my letter of XX/XX/2021, I explained that I was exercising my rights under FCRA ( Section 609 ( to request information about this account including any contracts bearing my signature. I asked them to remove the account, as required by law, if they were unable to validate it. 

In both disputes, Experian did not provide me with any information ( sources ) that they used to confirm the validity of the account. Experian did not properly investigate my dispute. They did not provide me with the source of their information, nothing to help me research this account with XXXX XXXX XXXX. 

On XX/XX/2021, Experian notified me through their website that the company XXXX XXXX XXXX XXXX ) reported that the information was accurate. How can the entity that is tasked with investigating disputes ignore my rights as a consumer, my requests for their source of information and instead dismiss the dispute because the furnisher stated it was valid? 

Experian has not provided me with any information that verifies the account. The account they are reporting is unknown.

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 2021-06-10 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: TX

Complaint narrative:
XX/XX/2019, I requested a full file disclosure from LexisNexis. I looked over the report and noted inaccurate information in my credit file reporting pertaining to a bankruptcy. I disputed the information with the credit reporting on several occasions in writing via US Mail. I called LexisNexis last week due to repeat response " we do not have sufficient data matching your request '' I called the company. I spoke to the rep who informed me that due to my file being frozen they could not initiate a dispute and that is why I received the letters. I asked her if it was right to dispute via written and she stated yes. She acknowledged that a dispute should have been completed but was not because my file was frozen. She told me when the file is frozen she can not access any information. She told me send my drivers license so she can authenticate my identity and then she will be able to access my consumer file. After uploading my driver 's license to verify my identity, the representative state that she could complete a dispute if there was a bankruptcy on my credit file. She told me that she did not see a bankruptcy in my credit file and would send me a report in the mail. I received a report in the mail today and it did appear be a full file disclosure. It did not obtain the XXXX XXXX XXXX XXXX Report. What I received today did not include any data of what LexisNexis is reporting in my file including the XXXX Consumer Disclosure Report. 

I believe my rights are being violated and LexisNexis is refusing to provide me with a full file disclosure. I wrote LexisNexis and told them I was disputing the bankruptcy as it is tied to a social security number that belongs to another individual. I am aware of this only because the individuals full Social Security Number is listed in the bankruptcy data. I made LexisNexis aware of this in my written dispute and several times and asking why social security numbers and public record data that belongs to another individual is listed in my consumer file. I also raised the question if my social security number and other personal information is listed in someone else 's consumer file. Thus exposing all parties to identity theft. A data breach was not necessary as LexisNexis provided me the social security number along with a name for the individual listed in the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i got served and they threatened to take me to jail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My interest rate is extremely high, they wont let me refinance or offer me any options and Im struggling to make the payments and my balance is twice the value of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: GA

Complaint narrative:
on XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly state that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I file litigation due to the stress you caused me. My information was impacted by the equifax data breach and my have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On or around XX/XX/XXXX I was traveling on a flight to XXXX, NE. When I landed in NE I attempted to schedule an XXXX only to find out my credit card was being denied. I then called Chase Bank where I had been a card holder since XXXX with two cards by Chase Bank. I had a XXXX XXXX and a XXXX XXXX Rewards Card. When inquiring why my cards were not working they stated " After careful consideration, we closed your credit card accounts on XXXX, XXXX, XXXX, because our affiliate is ending their banking relationship with you '' I stated that must be a mistake, my wife and I have perfect credit, we have paid our card in full every month for 15 years, we have no debt, and no one had stolen our identity. I proceeded to ask questions and they would not help me, transfer me, or answer any questions. I asked what I needed to do to rectify the situation and they stated you can not do anything we have ended the relationship. I tried several times after that calling customer service with no success and frankly they were very rude for a customer that has been loyal for 15 years. Then, approximately 10 days later we received a letter in the mail form Chase bank confirming what I have state above. I next tried calling both Marriott and XXXX both of which had never heard this before. They apologized but stated there was nothing they could do. I am frustrated as they will not explain " why '' my card has been terminated and I can no longer participate in the points system that is offered by the companies. I would like an explanation from the company as to why this has happened when I have held up to my end of the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-06-10 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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
For more than 6 years I have a Freeze on my credit report and on XX/XX/2021 I placed a Fraud alert in all the credit report companies as well as banks. The Thief that stole my identity locked my XXXX, XXXX, amazon, XXXX email ; he or she changed all my two-way verifications and the recover a count information. He even used a debit card account ending in XXXX with XXXX to lock the account. I have reported all this activity and NEVER taught that the credit bureaus fraud alert, freeze alerts can be changed so easy by a Thief, but you all are giving me a hard time. In XXXX my wife and me were trying to log into the XXXX account and noticed all my info was changed and I was locked out of it. I was trying to make payments on all my credit cards, and I could not access them. I immediately contacted all the credit cards and mail them the prove they asked for to prove I am who I am in XX/XX/XXXX while I was at my daughters graduation my wife received an alert that my email information and 2-way verification as well as the recovery information was changed. The following information which is NOT MINE but has been used by the THIEF : email : XXXX, XXXX @ XXXX ( at XXXX ), XXXX ; the following phone numbers are being used : XXXX, XXXX, XXXX ; the following mailing address has been used ; XXXX XXXX XXXX XXXX XXXX , Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have NEVER lived in XXXX XXXX, Texas. Last thing they did is they charged {$3.00}, XXXX at Amazon and used my bank account that was on XX/XX/2021. I have NEVER bought more than {$200.00} at once in Amazon in my life. I have been trying to close XXXX, amazon, XXXX and the companies said they must investigate first in the meantime the Thief is having a party at my expense. I just noticed you all have unfrozen my credit, took away the fraud alerts and I HAVE NOT AUTHORIZED any of this!!! I was trying to change my email address when I noticed I can not do so because the THIEF has changed everything to his/her information. NICE!!! Today I received a letter that I am responsible for {$3100.00} of goods from Amazon that I NEVER ordered or received and which I reported immediately that my identity was stolen. Even worst I have called numerous times to Synchrony Bank and proved my identity over and over ( my address ) the thief call and changes my address again and again. Whoever knows someone at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX, please report the people to the police as they are THIEVES!

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 2021-06-10 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: TN

Complaint narrative:
As per the federal law under FCRA, if there is an error in their report they have the right to fixed it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: MD

Complaint narrative:
was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 5 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation