vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: VA

Complaint narrative:
On XX/XX/XXXX, I learned this scam company called LAW OFFICES MBA submitted to XXXX  that I owed {$950.00} although they have never indicated why and I have never done business in Texas. I disputed this via XXXX, but this false debt remains on my report. I have XXXX kids and barely getting by. Please stop this scam. My credit was good before this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a dispute in regards to the inaccurate items on my credit report. It has been well over 30 days, and I havent received any investigation results.

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 2021-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain Financial told me that to get a loan, I would need a lien on my car. To get a lien on my car they told me they would need me to pay off all tickets. They told me they could do this themselves. This was back in XX/XX/XXXX. I had an outstanding ticket from XXXX and XX/XX/XXXX. They asked if I wanted them to pay off the tickets, and I agreed. So they took out money from the loan they were giving me to pay off these tickets. I paid off my loan in XX/XX/XXXX, and waited over four weeks to get my new title as the lien will be taken off the car. After not receiving it, I called one main financial and they said that their application to be a lienholder on my car all the way from XXXX have never gone through because one of the tickets, the ticket from XX/XX/XXXX, had not been paid. Apparently they had only gone to pay the XX/XX/XXXX ticket. Now I am unable to renew my registration on my car due to this pending application for a lienholder from XX/XX/XXXX, I am unable to get the title back on my car due to this outstanding ticket that holds the financial company from finishing their application to be a lienholder. I was never told that their application to be a lienholder never went through and it is seven months later. I am now being charged late fees on my registration, I am unable to renew my car registration, and I still do not have the title to my car and its been over five weeks since I paid off my loan. After paying off my loan, they also never told me about this application issue that would stop me from getting my title. I have called plenty of times throughout my loan., And Ive never heard anything about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 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: AL

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
I submitted by certified mail to all three credit bureaus Affiant Affidavit in Affirmation of Facts, please see attached. 
Similarly, XXXX does not establish the ownership of this account in accordance with the attached documents and is therefore fraudulently collecting and reporting to credit reports. 
Failure to remove such information from my consumer credit report will constitute legal violations under FCRA based on negligence, and all three credit bureaus will be held liable in court. Please note that I am in the process of buying a house and that you may be liable for both punitive and statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2021-07-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I received a loan by mail and cashed the check on XX/XX/XXXX in the amount of {$1200.00}. I was making payments but due to unforeseen circumstances, I am unable to meet all my financial obligations. I have no choice but to file bankruptcy and hired a bankruptcy attorney. I informed the branch manager of my situation on XX/XX/XXXX. I asked that all correspondence and communications be directed to my attorney. Today ( XX/XX/XXXX ) my co-worker informed me she received a phone call XXXX on her personal cell phone ) from the company asking about my whereabouts and if she could give me a message to call them. I feel my rights have been violated as they disclosed information to an unauthorized third party. I've never listed any references to call in regard to the loan. My co-worker knows the call was an attempt to collect a debt. It's extremely embarrassing to be in this situation in the first place. But to have my co-worker know about my financial situation is very humiliating. I have no idea why they would call my co-worker or how they even obtained her number. Especially after I let them know about my situation and referring them to my attorney. To make matters worse, we work directly next door to their office and they see me walk into work every single day. Why would they not confront me in person? Clearly, I'm not trying to hide, nor can I. I truly believe this is a bullying tactic to force me to pay. Honestly, I feel as though I'm now being harassed. Which is absolutely unacceptable. To be clear, I informed the branch manager on XX/XX/XXXX of my bankruptcy situation. He ( the branch manager ) has been out of the office all week this week. I assume on vacation. I had not received any further correspondence or communications in regard to the loan until today ( XX/XX/XXXX ). His supervisor ( s ) are currently working at the branch in his place, which is even more concerning to me. I believe they disregarded the notes on my account and initiated the phone call to my co-worker. Which was completely unnecessary. I will be utilizing all available resources ( XXXX, FTC, State Attorney General etc. ) to ensure this unethical practice does not continue. Please advise.

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 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. 

their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. 

I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
On XX/XX/XXXX which was a Sunday I stopped in XXXX charge {$23.00} on my card I lost my card immediately afterwards. I was not aware of this loss until Monday afternoon the XXXX of XXXX when I called to check my balance I found out my account was cleaned out of all cash. When I went to check for my card to call direct Express my card was gone so I called them and reported it lost or not stolen I knew it was lost. I told them my last transaction would have been at the XXXX for {$23.00} and anything after that would have been a fraudulent charge. So they have sent me a notice saying that there's conflicting reports of what I reported and what they found in their investigation which is ludacris because how can I report anything other than when I lost my card and what my last charge was? They have sent me a notice which I have attached to this complaint showing all the charges for that month off my card I'm only concerned about the ones from XX/XX/XXXX onward except for the one for {$23.00} which was my last charge. I have contacted direct Express trying to get copies of the documents they said I could get in this letter but they never send me a copy I don't know what documents they're talking about. Unless it was for my original claim which I filled out from memory. I lost a considerable amount of money as they're refusing to reimburse me for these fraudulent charges and it's been a financial burden for me cuz this is my social security retirement all the money I get every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information that you used to add it to my report. 
1. Mistaken Identity Chapter XXXX  Bankruptcy Case Number : XXXX Please remove this account from my credit report immediately!

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime canceled my account because they said I didn't provide them with documents of where I got my XXXX deposit from. I told them it was from my moms inheritance. They closed my account and kept my money which at time was less tha XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TX

Complaint narrative:
On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I was notified by XXXX  that the debtor Penn credit reported a debt of {$1000.00}. I contacted Penn credit on XX/XX/2021 to dispute the debt and explained that the debt was not valid as I never lived at the address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Penn credit stated the debt was created XX/XX/2021 for the original creditor ( XXXX XXXX XXXX ) I and was sent to them on XX/XX/2021 I explained that I never lived at this address and was asked to provide documentation. On XX/XX/2021 I emailed Penn credits compliance department with my lease showing where I resided at as of XX/XX/2021 and also let them know I just recently moved into a new residence ( XXXX XXXX XXXX XXXX XXXX XXXX az XXXX ) as of XX/XX/2021 and if needed I could provide that lease as well. I never heard back from Penn credit but was again contacted by XXXX  to let me no my dispute was closed and was found to be valid. I have never resided at this address nor did I create a bill using utilities for this address or give anyone permission to use my information in attempt to obtain Or turn utilities on in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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:
It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.

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 2021-07-08 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:
It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
It is an account from a company name XXXX on my credit report, I don't know what is that for and it is showing as charge off/collections, this is damaging my credit score and as I said I do not recognize this. 

I called them several times, to their phone numbers but all their phones are disconnected. I found this is something related to easypay but it is the same phone disconnected issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX  Account Number : XXXX-XXXXXXXX  This is not mine. 4. Identity Theft XXXX  Date of inquiry :XX/XX/XXXXThis is not mine. 5. Identity Theft XXXX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft 01 XXXX XXXX XXXX  Account Number : XXXX This is not mine. 10. Identity Theft 08 XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: OH

Complaint narrative:
There is nothing in collections on any of my credit reports. I keep getting calls from the National Recovery Agency claiming that I need to call them about about debt collections. I am concerned this is a scam and am worried about contacting them directly. They are calling from 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