vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems sent a letter to me in the mail stating that I owe a debt. I therefore sent a letter to National Credit System for specific information to validate the debt that they claimed that I owed. I sent the letter over 30 days ago and they have not responded to my request and they are also doing harm to my character by reporting unsubstantiated derogatory information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX  # 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 2021-02-21 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: OH

Complaint narrative:
Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
A man named " XXXX '', a Specialist at Comenity Bank per his voicemail dated XX/XX/2021 left a message in a demeaning and harsh tone for me to personally have another party call his office back promptly concerning XXXX XXXX and that he expected a call back noting before XXXX eastern standard time. This party was fully aware I do not have an account with Comenity since he explicitly stated my full name and the party 's full name to whom he was attempting to reach. This is a clear violation of the FDCP section 1692b. He was aware that he was leaving a personal voicemail on a third party 's phone which is a form of disclosure. I am not the account holder nor an attorney for the party he was demanding " I '' have to call his office back. Per his voicemail he said for me to have the third party return his call at XXXX extension XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had a capital one savor credit card starting XXXX of XXXX, I Never missed a payment. My Credit score is good, I had been accepted credit limit increases instantly on 2 other credit cards. I have tried to get a credit increase with capital one in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. I have called capital one and spoke to them countless times, the reason I don't get accepted for a credit limit increase from capital one is " Capital one is evaluating account activity at assigned credit limits. '' Nobody on the phone at capital one could explain what that reason meant. My limit is currently {$4000.00}. My other cards are {$10000.00}. Im writing this complaint because capital one is not abiding by the law, if they deny me a credit increase. I need a valid reason and not a statement that is not understood by their staff, I hope this will help get the increase I deserve. I have had patience with this company, I enjoy capital one and their easy to use app. 
XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo first stated my personal property wasnt mine, allowed XXXX XXXX who was mistakenly hired by XXXX XXXX to steal {$500.00} from me, and never deliver the remaining {$200.00}. Upon perfunctory and cursory review, Wells Fargo has lost at least 5 lawsuits totaling billions of dollars each for defrauding clients. 

Their solution is indeterminate, a void contract, and a proven lie, false promises with no delivery, as they stated the check was rendered by me on XX/XX/XXXX when I was in the ER at XXXX XXXX XXXX XXXX in XXXX, AZ for XXXX hours due to a XXXX. They further stated my monies of {$200.00} would be returned after a fabricated 60 days following their chosen date of XX/XX/XXXX, whereas no check was received at my mothers address of XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. 

Their track record, like XXXX, is marred with blatant corruption : lack of disclosure, fictional recounting of events, indeterminate and changing timelines with fallacious reasoning, and non-delivery without forced compliance.

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 2021-02-21 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I wanted to opt out of reporting for Early Warning Services. They informed me that I was not allowed to opt out as they had a right to release my consumer report to whoever asks for it. This is a direct violation of the Fair Credit Reporting Act. Pursuant to 15 USC 6802, it is my right, not a privilege to opt out of any reporting agency. Early Warning Services is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In XX/XX/2020, I called LVNV FUNDING LLC Collections to discuss the account for the amount of {$710.00}. I asked if I can do a settlement of {$400.00}. I was told yes and when I could make the payment. I informed the representative I could pay it now. So I proceeded to make the payment of {$400.00}. 

2 weeks later I received a call from LVNV FUNDING LLC stating I had a debt and wanted to know how I wanted to pay the debt. I informed him I already paid a settlement amount for the amount of {$400.00}. I was informed by him, that I should not have had an option to settle the account. Informed the representative that I held up my end, and, I don't feel that the numerous calls are not fair or appropriate. I was threaten if I don't pay the remaining {$310.00} they will report it on to my credit report. Which they did. 

Since then I keep disputing this matter with LVNV FUNDING LLC on my credit report. I feel I have been threaten, mistreated and reported unfairly when I called them, to settle the account and do the right thing. 

My score has suffered a great deal because of LVNV FUNDING LLC company dishonest, tactics of being unfair, rude and disrespectful staff who kept calling every 30 minutes until I block them from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: AZ

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
SANTANDER is reporting a fraudulent account under my credit that i did not open, on my XXXX, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue Santander bank and all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: PA

Complaint narrative:
I took out this loan back in XXXX to attend college. Currently the loan has been paid off in full, however, back in XXXX I missed a payment ( first payment Ive ever missed ), due to some financial difficulties. My mom passed away and I had to take care of her funeral and other major expenses, which I tried explaining to Sallie Mae. That late payment has been on my credit report almost 6yrs and its hurting my credit score and preventing me from getting better interest rate on my mortgage, auto loan and other credit products. Im kindly asking if CFPB can step In and help remove this late payment off my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit. reporting to XXXX, XXXX, and XXXX want it 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 2021-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/XXXX Bank of America filed another report of missed payments with the credit bureaus regarding the account # XXXX which has been closed since XX/XX/XXXX. The bank correctly reported the closure of the account to the credit bureaus on XXXX XX/XX/XXXX following the sale of the property. However, the bank continues to file falsified claims of missed and late payments with the credit bureaus despite numerous promises to correct its records and ensure that all delinquencies are removed from my credit report. 

There was never a late or missed payment at any time during the existence of the mortgage.

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 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: FL

Complaint narrative:
XXXX is reporting a fraudulent account under my credit that i did not open, on my Transunion, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.

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 2021-02-21 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: FL

Complaint narrative:
XXXX is reporting a fraudulent account under my credit that i did not open, on my XXXX, equifax and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

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 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
1. I paid a mortgage on XX/XX/XXXX, I thought I score on Experian would go up. Instead, on XX/XX/XXXX it went down 14 points. This in not correct, please fix.

2. In the Paid are of all three Agencies it does not show the I paid XXXX to XXXX XXXX. 

3. XXXX score is almost 80 point lower than Experian and XXXX  because they stated in the file, I have serious delinquencies when I do Not!. My payment history is exemplary for 10 years. I would like to to reflect on all three reporting agencies.

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