vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
It has been over 30 days since NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX received my correspondence which contained my VALID DRIVERS LICENSE, FTC ID THEFT AFFIDAVIT, POLICE REPORT and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation.

15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXX XXXX XXXX  XXXX XXXX card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXXXXXX  stating my account has been paid on time and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
I have a credit card on my credit report with these 3 credit bureaus, they are reporting my XXXXXXXX XXXXXXXX XXXX XXXX XXXX  card account as negative when it is in a positive exceptional payment history status and is in good standing, I contacted the creditor which they admitted it was an error on thier part And corrected it, and applied the 6 payments to the 6 months that were missing because I paid my bill off early for the year, they also informed me they were going to send a letter stating my account was paid up and is in a positive status, which the credit bureaus investigated and closed the account still reporting it as negative, they need to change it to an exceptional payment history,. I have attached the letter sent to me from the credit card company for XXXXXXXX XXXX XXXX stating my account has been paid on time and in good standing.

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 2021-08-05 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: NY

Complaint narrative:
The XXXXXXXX XXXX Account which appears on my credit report is a result of identity theft. I contacted XXXX XXXX and they investigated and sent me a letter stating that they found this account to be a result of identity theft and that it would be removed from my credit reports. 

An inquiry appears on my XXXX  credit report from XXXX on XX/XX/2020 which is a result of identity theft as well which I would like deleted too. 

These matters are not in litigation and have never been subject to Litigation. 

A copy of the letter that I received from XXXX XXXX is attached to this Complaint explicitly stating that they investigated and found that the account is a result of identity theft and that they are deleting it from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A fraudulent credit card account from Comenity Bank/Zales was sold to XXXX XXXX XXXX. Comenity Bank/Zales released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though Comenity Bank/Zales investigated and found that this account is a result of ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently received a background check and they're saying I some time use the name XXXX XXXX or something like that and that I also lived in South Carolina at one point or another both of these wholly wrong I've never used an alias in my life or lived in South Carolina now My brother XXXX XXXX XXXX has done these things but not me he has also used my name as a alias before several times I've had to deal with that My whole life and tired of it go talk to him about alias thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Get you hackers off me! This is a violation of my civil rights what they are doing to me! Get them out of my laptop and phones! They have no right to remote in and tie me up making it impossible to function or find work! They are purposely playing a heavy hand in " bleeding '' me out so that I don't come forward with and report the fraud you and all mortgage servicers are comitting on homeowners! 

Get your hackers off me! This is discrimination! They are not doing this to anyone else but me! Get your Hackers off me now!!! 

They have overloaded my XXXX XXXX XXXX online storage space so that it reads I am over storage by XXXX GB when I hardly have anything saved on there! They have disabled my usb drive on my laptop so that I can't save to a thumb drive and transfer files needed to report your fraud! They have disabled my keyboard so that I can't even type on my own laptop which is the only computer that I have! They have deleted every single file I had saved in my XXXX XXXX. I had all my work in there! They have no right to do this! They delete all emails I send out to seek legal representation! This is a violation of my civil rights! 

Get your hackers off me and I will show you all the evidence that more than shows you have a reason to be doing this to me but that doesn't make it right! Get your hackers off me once and for all! I have a right to report fraud that you committed! I have a right to work but they purposely making it so I don't obtain a job! GET YOUR HACKERS OFF ME!!!!!! GET YOUR HACKERS OFF ME NOW!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: NY

Complaint narrative:
A fraudulent credit card account from XXXX XXXX was sold to Midland Credit Management. XXXX XXXX released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though XXXX XXXX investigated and found that this account is a result of ID Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
Accounts that's closed or negative ratings- Lane Bryant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPolice Report #

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BANK OF AMERICA REFUSES TO CALL ME BACK. THAT ARE CHARGING ME 30 % INTEREST. THEY HAVE CHARGED ME {$700.00} AND FEES AND L/C. I HAD A REDUCTION OF INCOME AND CALLED THEM A FEW WEEKS BACK. THEY REFUSE TO WORK WITH ME. I WAS STRICKEN WITH THE XXXX  XXXX AND HAD A XXXX XXXX. IN THE MEANTIME THEY KEEP ON CHARGING ME FEES AND INTEREST AT 30 %. THERE SHOULD BE SOME TIME OF CARES ACT FROM THE GOVT THEY CAN HELP ME WITH AND REVERSE THE FEES AND STOP THE BLEEDING ON INTEREST AND FEES

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 2021-08-05 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: NJ

Complaint narrative:
I dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their court. Please provide proof from the court of this public record. I never filed bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
I have no idea what this is?? 


I have asked this company and the credit bureau for VALIDATION OF THIS DEBT, yet non has been provided. 

1 I have never had an account with a company named : XXXX XXXX XXXX 2. They are reporting on XXXX date last active is XX/XX/XXXX and on XXXX  XX/XX/XXXX. 3 years difference!!!! 

3. If XX/XX/XXXX is date last active, why is there no payment History?? 


This is not my account please Remove Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A credit card reporting on my credit report. When I call to get information, Best Buy is unable to locate my account by name, social, email or phone number. Not being able to identify or resolve this account in either way is hindering me from home purchase.

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 2021-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We were scammed for XXXX trying to purchase a puppy. XXXX I received a message asking if I was still interested in the XXXX XXXX XXXX, I said yes and I asked how much and where were they located and asked if this was for real and not a scam. He said it is 100 % real and the website looked completely real. ( XXXX ) ph # XXXX, XXXX Transaction # XXXX We went back and forth XXXX for dog and XXXX for shipping Total {$800.00}, we paid XXXX then would pay XXXX when received the puppy the following day. The next day I received an extensive email from XXXX Stating that in order to ship the puppy we have to pay {$1000.00} 100 % refundable insurance fee to cover the puppy and that when we received the puppy they would refund the money and I called the owner or pretend owner and he said yes this is legit and that he has used this company several times and they can be trusted. I told them all I could do would be by credit card. When I called to pay the person said when they ran my card it wouldnt go thru and that they were having issues with the card scanner and asked if we could XXXX it. I told them I dont have that type of cash and I told the owner that and he told me he would email them and asked if we could do {$400.00} XXXX and XXXX out the rest {$600.00}. So I XXXX them XXXX. 
XXXX Name : XXXX XXXX XXXX Transaction # XXXX After I sent it then they started immediately sending emails asking to send remaining and I kept telling them all I had was a credit card and then they sent a long email in detail how to go about using my credit card and turning it into bitcoins and to pay that way or go get a gift card. Thats when I realized it was a scam and I told them I dont feel comfortable with this and I wont be using theiXXXX XXXX I would like my money back and I never heard back from them. I then contacted the owner and told him and he said that it was basically my fault for doing as they asked and that I had better pay or ask friends to help me and XXXX the money if I wanted to see the puppy. I did call my bank right away they said it went through and there was nothing they could do for me as far as getting anything back and they would file a claim. But I more than likely would not get my money back. I then called XXXX and explained to them and they put in claim as well but could do nothing about the money we lost the most they could do is take them off of XXXX after an investigation. I did call our local police department and filed a report as well # XXXX with officer XXXX XXXX. I had asked this puppy owner at least XXXX about being a scam and explained how we had just put my dog down of 15 yrs few days prior. Each time he promised and trust him and we would receive the dog and gave us the tracking # and airport info and everything. I am very upset and that was a lot of money for nothing to be done at all This is not right and something should be done. Nobody wants to help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Accounts that's closed or negative ratings- XXXX XXXX XXXX XXXX XXXX Suntrust XXXX XXXX XXXX XXXXPolice 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 2021-08-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Hello there, I complained about my saving account ended by XXXX. I transferred money back to my bank account. I found out that my lock was locked on XX/XX/2021. I complained the quality of service ( QoS ) 1. I chatted online. He told me to call XXXX to unlock it. I called the umber. It was out of office hour. 
2. I chatted online again. He told me to call the same number with option 2, option 1. The CSR asked me to write a letter to Citi without any instruction. It was so weird. She can not sent me an message to XXXX. But she called me to verify it. 
3. I called again. The CSR verified my information by text message with the same phone number. He told me the department is closed and office hours 8-6 but online chat told me it is 24 hours. 
4. I called again next day. He could not send me text message and call me to verify my info. It is ridiculous for the same company, they dont have the same quality to keep the QoS. He told me my account was unlocked. When I tried to transfer again. He told me I had to send my utility bill with fax number XXXX. He tried the XXXX XXXX but the citi used my discontinued phone XXXX, which was not in my profile at least 3 months ago. I dont know why they keep the old number there. I did not fax the documents as required. 
5. After I complained, Citi Executive Response Unit contacted me on XX/XX/2021. She asked some information, but she is not that helpful. She can not make final decision. She called me 3-4 times and sent 12 emails to ask my three different utility bills : Electric bill, Cable bill, and city water bill. To verify my information. However, until today ( XX/XX/2021 ), my saving account is still locked. 

I can understand citi want to keep the account safe to lock it. However, it does not have QoS to unlock it. I spent almost eight hours and 31 days so far without unlocking my account. Please close my account and mail a check back to me by home address or mail address : XXXX XXXX XXXX XXXX XXXX, GA XXXX OR XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX GA XXXX. 
It is very horrible experience and one company very excited to torture it customers. 

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 2021-08-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
My main complaint is I had XXXX XXXX and I was XXXX XXXX in the worst way. These finance companies get huge money from the Government and don't share the relief or pass on what they know they are supposed to do. XXXX XXXX XXXX gave me a payday loan in which their interest rate changed more than once. At the same time, they shopped my credit to other brokers which they ran up roughly over 60 inquiries, that started the XXXX of my credit. They used Caine & Weiner to place this on my credit, knowing that the government passed a mandate that All Finance Companies are supposed to abide by the law of relief. I am feeling the effect of these damages and I can't even refinance my house cause the Delta Covid 19 is here and I am trying to handle this before this gets even worst. These companies understand their wrong doing. This mandated law has a debt forgiveness. This company is not exempt from this law which needs to be applied to this debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: CA

Complaint narrative:
The bureaus are reporting an account with XXXX XXXX that I settled last year!!! I have sent in multiple disputes and they continue to report this debt. I have sent several letters to XXXX XXXX saying they are reporting inaccurately and have filed several complaints and no one can get a hold of them. This account is hindering me from being able to buy a home and this needs to be fixed immediatley.

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 2021-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
This complaint covers TWO civil suits that the company has in my district court. Both were discharged in bankruptcy court. The two cases remain in the court docket in XXXX XXXX Kentucky. 

The first case XXXX was addressed by the company in CFPB COMPLAINT XXXX. The company stated in reply on a letter dated XX/XX/XXXX : Our records indicate that a lawsuit, Case No. XXXX, was filed on or about XX/XX/XXXX in XXXX XXXX XXXX in XXXX XXXX, Kentucky. A dismissal of the lawsuit was filed in XX/XX/XXXX, but upon review, the dismissal did not show to be recorded. The dismissal was refiled with the court on XX/XX/XXXX by Resurgents third-party servicer, XXXX XXXX XXXX, and they are awaiting the entry. Please see the attached docket for review They then attached an UNOFFICIAL COURT CASE summary. It appears again for the second time nothing was recorded. 

THE COMPANY HAS TO SUBMIT A MOTION TO THE COURT TO DISMISS THE SUIT. 

IT MUST DO THE SAME FOR THE SECOND CASE THEY FILED : XXXX XXXX KY XXXX XXXX CASE NR : XXXX. 

If the companys attorney XXXX XXXX XXXX in Michigan is unfamiliar with Kentucky Civil procedures, I suggest they contact the court for proper procedures to dismiss BOTH cases. 

Bankruptcy was discharged in XXXX, YET BOTH CASES REMAIN ON THE COURT DOCKET IN XXXX. 

ENOUGH!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I going through my credit report and noticed some inaccurate information that i did authorize. I sent out letters to the company over 30 days ago and still havent got a response and the response is saying about verification that I keep sending in. These accounts are hindering it are keeping getting a loa? Please remove these items from my credit this my third letter Im resending

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