vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: KY

Complaint narrative:
There are charges from XXXX XXXX XXXX  for mobile services which I never had. There is a charge of XXXX dollars in collections with ERC. Im not sure on the date of this but is believed to have been several years back. I do not use XXXX XXXX XXXX  for any mobile service. This was done under my maiden name fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2021, I called Citi Bank to close my credit card account. They made me go thru XXXX and back to close it. They tried everything to get me to not close it. It was extremely frustrating and time consuming. I told them I'm getting close to retirement and want to pay off debts and asked for the amount I owed so i could close the account. Finally, I got an amount and it was paid. 

XX/XX/2021 CITI CARD ONLINE PAYMENT {$30000.00} ( from my bank statement ) At the beginning of XX/XX/2021, I started getting notices from Citi that I was late on a payment. I called and told them I closed the account and paid the amount Citi said I owed and they tried to say " Oh well there was some interest that accrued and wasn't paid and then there's a late fee because you didn't pay the interest ''. I explained the situation ... how I owed ZERO and wasn't paying another cent as they had given me the payoff amount. The woman said she understood and would take care of everything. Well, she didn't and 2 weeks later I was getting more calls. This time I talked to a guy who said ok, he would take care of zeroing out the balance. Well, he didn't and the calls kept coming. Yesterday, XX/XX/XXXX, I talked to XXXX in customer service. I tried to get the name and address of the executives in charge so I can file a small claims lawsuit for all the time and aggravation they have caused. She wouldn't give me any names or addresses of who I could serve with papers. NOTHING! That's not acceptable. The names and business addresses of these people should be available. XXXX ( no last name given ) gave me her customer service number - XXXX. She said she would take care of zeroing out the balance but I just got an email from them saying I owe money. 
This is a scam on consumers. When a customer calls for the balance due on the account because they want to pay it off, they should be given the amount and that should be the end of it. I had this same problem years ago when I tried to pay off my XXXX XXXX account. They kept coming after me for minor amounts that they said weren't in the final balance but somehow appeared after I paid off the card. We need a law to protect consumers from this type of treatment.

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 2021-03-29 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: Early Warning Services, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX and XXXX  have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by XXXX XXXX XXXX which is fraud. XXXX is fraudulently reporting a XXXX XXXX XXXX to an account closed under my name on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America and XXXX have negatively affected my XXXX XXXX consumer report. XXXX XXXX is reporting an account closed by Bank of America which is fraud. XXXX is fraudulently reporting a bank of America to an account closed under my name on 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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am lodging a formal complaint against sunrise credit services. This debt collection company has intentionally violated the fdcpa/fcra. Sunrise credit has just reported derogatory information on my credit reports in the amount of {$1700.00} for a debt that isnt mine. I have never recieved a dunning notice in the mail which allows me 30 days to dispute validity. I have lived in New Jersey at the same address for all my life and never recieved any notice from sunrise credit. I am in the process of purchasing my very first home for my family and this errounous account is now holding me back from achieving my goal. I am requesting this account be deleted from my credit reports immediately. XXXX, and attorney general complaints will be filed if account isnt deleted. Thank you for your 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 2021-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I'm getting threatening letters from Midland Credit Management there going to have the sheriff or police put me in jail.To personally file a lawsuit. I've been XXXX by the federal government since 2014 and still XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have an XXXX XXXX XXXX credit card that is issued by Comenity. I received an alert from XXXX XXXX that the credit limit on one of my accounts was reduced. I had not been notified by anyone so I was not sure. I had to log into XXXX XXXX to find out which account it was. Once in XXXX XXXX I found out it was the XXXX XXXX Store card. I called customer service to find out why the credit limit was reduced and the representative could not tell me. Worried about how their change would effect my score and I wish to purchase home, I asked for it to be increased but then I cancelled the request all in the same call because I did not want them to pull my credit and I plan to close the card. I received an email from Comenity stating my request to increase my balance was denied due to information they received from credit reporting agencies. My score has gone up since I got this card and I never agreed to random credit inquires so I asked that that information was and the source of the information. I was told to call customer service. I called customer service again today. Speaking to someone is not even an option. When I finally did get someone he said he could not help me and transferred me where I was asked all my information again and the call was disconnected. 

This is the email I received : Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- your credit limit was reduced to a total of {$250.00} based on information provided to our Bank by the credit reporting agencies. 

This is what I read in the last message. What information provided by credit reporting agencies? Are you all running my credit on a regular basis? How are you getting this information? Was my credit run with the last request to increase? I CANCELED THE REQUEST FOR AN INCREASE I TOLD HER I DID NOT WANT THE INCREASE. I WAS LEFT ON HOLD AND I HAD TO GO BACK TO WORK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
I am a victim of identity fraud. My Discover, XXXX XXXX and tax returns have been hacked. I have a pin # to use for the IRS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a phone call from " XXXX from Comenity Bank '' ( number XXXX ) trying to recover a debt from my sister ( whom I do not live with nor have ever had shared financial accounts with ). This was extremely inappropriate and I believe illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 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:
There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XX/XX/XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXXI Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DPT ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : DEPT OF EDXX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : DEPT OF ED/XX/XX/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XX/XX/XXXXInquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry

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 2021-03-29 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:
There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XXXX of XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.

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 2021-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
All my accounts emails phone numbers along with my personal information have been compromised. this is urgent matter attention to all credit consumer local and national involving the following person me ... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX last four of my social XXXX only contact number i approve is to XXXX XXXX at the number XXXX this is the only person approved to be contacted in this matter.

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 2021-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WLCC
State: IL

Complaint narrative:
I found the following on the Washington State XXXX XXXX. This is what happened to us as well. They very official looking paperwork to try and collect a debt that does not exist. When we requested further info they promised to get it to us but nothing every shows up. One employee they said the debt was {$3300.00} and to withhold 15 % and send to them at a XXXX Utah address and 2nd request for a different employee of {$1200.00}. The red flag for us is we got 2 request in the same day. We only have a total of 5 garnishment across our population of employees. I uploaded they 2 documents they sent us. 

The Washington State XXXX  XXXX XXXX XXXX ( XXXX ) received information that an entity using the name Apex Servicing has sent faxes to employers in Washington attempting to garnish wages from employee paychecks for alleged loans owed to XXXX XXXX and XXXX XXXX. 

An employer reported receiving a fax labelled as Wage Assignment Demand Notice. The fax alleged that the employee had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from the employer to repay the loan. The information received by the employer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXXXXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX A Washington consumer reported receiving a similar Wage Assignment Demand Notice at their work. The fax alleged that they had signed a Wage Assignment and authorized XXXX d/b/a XXXX XXXX to collect wages from their employer to repay the loan. The information received by the consumer indicated that Apex Servicing was collecting on the wage assignment on behalf of XXXX d/b/a XXXX XXXX. The demand instructed their employer to deduct 15 % of their disposable pay and mail a check to the following address : XXXX d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

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 2021-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Due to an error with autopay which I was not notified about, payments were not processed on this account. I had previously spoken with a customer service representative via the telephone that assured all Synchrony Bank accounts did have an active autopayment setup for the minimum balance. 

Through a previous CFPB complaint and numerous calls to the company, all late fees have been refunded. The previous complaint was closed with a contact information for a representative at the bank. I have not been able to reach this person after multiple phone calls and left voice messages. 

The 30-day late payment that was reported on this account should be updated to reflect an one-time payment as would have been the case should the autopay have been instated as I was notified from the bank. 

I never received any kind of notice with the statement or any email until the account was reported to the credit bureau. Should XXXX had contacted me, I would have worked with the representative to fix the autopay that they told me was already in place.

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 2021-03-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
Stimulus Card Issue : XXXX - Money Network Financial , LLC I was informed a card for the stimulus payment was mailed to me in XX/XX/2021. I have never received a card. This is the second payment - {$600.00}. 

I received a letter from : XXXX XXXX XXXX  XXXX, XXXX. XXXX XXXX, XXXX, NE XXXX because I have not activated my card!!! 

I have attempted ten ( 10 ) times to contact them at the number provided : XXXX. 

Regardless of the phone prompts used, it always ends with their automatic reply to hang up. Several times I have advanced after providing the last six ( 6 ) digits of my social security number and my zip code. A recorded message responds with a phrase that states a replacement card will be provided please allow 7 - 10 days for mail processing. and shipping time, and then it hangs up. This has gone on for 45 days. 

I have used up all available options except my elected representatives in Washington. 

COMPLETELY UNRESPONSIVE AND I WANT THIS RESOLVED ASAP

Company response to consumer: Closed with explanation