vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the  XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They put my mortgage in forbearance and reported it to the credit companies and now my credit score dropped 67 points and they broke the CARE ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WI

Complaint narrative:
We are furthering our complaint because Ditech has not comply with contacting us. We need to clear up the late payment marked on our credit. XXXX was attempted to be paid and we did everything we were instructed to do. We understand misunderstandings but we have never once been late on a payment and do keep in contact. I would appreciate any form of making steps to fixing our credit. We payed for over a year straight without late payments and have records from my phone service that we did indeed have contact with someone about XXXX. This needs to be cleared up I will keep making complaints until we get contact from Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX HWARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HWARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL 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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: RENASANT CORPORATION
State: TX

Complaint narrative:
My bank has informed me that there is negative information reported by : Renasant Bank included in the file XXXX   maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a ACCOUNT ABUSE in XX/XX/2018. 

I do not recall having an account from this bank in 2018. 

Please validate this information with Renasant Bank and provide me with copies of any documentation associated with this checking/savings account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf.

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 2020-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CO

Complaint narrative:
Refinanced my house with Cash Call Mortgage ( CCM ) First payment made on XX/XX/2020 Principal {$480.00} + Interest {$740.00} + Escrow {$410.00} Total {$1600.00} with additional payment of {$500.00} towards principle. Without any notification from CCM my loan was transferred and only got to know through a confirmation letter from XXXX XXXX XXXX  dated XX/XX/2020. Now the issue is that although additional payment of {$500.00} shows in CCM Payment History under Due Date XX/XX/2020. But the Total Loan Amount of {$230000.00} shows on XXXX XXXX XXXX Statement instead of {$230000.00} This issue is still not resolved by the CCM since XX/XX/XXXX. 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
American Express lowered my credit limit on my card ending in XXXX from {$25000.00} to approximately {$5000.00}. I felt this was a bit harsh.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: RI

Complaint narrative:
I received a letter from Nelnet thanking me for applying for a XXXX..This letter is dated XXXX XXXX. Now heres the problem I never applied for anything. This company unbenouced to me automatically did this.pulling it from the holder ( XXXX ) where it was in hardship status The letter goes on to state garnishment threats etc.How is it that this 3rd party company can do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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 — Investigation took more than 30 days
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/2020 I submitted a dispute letter to XXXX asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and XXXX has yet to respond or even notify me of any investigation results or updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I did a loan with Wells Fargo in XXXX for a vehicle. Loan was paid off in XXXX or XXXX. I went to treasurer office this week to get a duplicate title to sell the vehicle and found out that I couldn't get it as Wells Fargo never released the lien on the vehicle. Now I am being shuffled all over Wells Fargo and its auto attendants trying to get this resolved. WF is telling me I don't exist in their system and I would need to send a copy of my drivers license and social security number to a blind fax number!!! I don't know where this number goes or who has access to the info, and was told there is no one that will answer the phone at that number. How do I know who/where my information is going to? I have a checking account, savings account, and credit card with WF, but they tell me they can not pull up my information that way? What the heck?? Got number to WF consumer loan executive offices and escalated to a manager. She can not find my information either. All I want is to have the lien released so I can get a duplicate title!! ..Why am I having to do all the work on this when Wells Fargo has once again XXXX up?

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 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank has informed me that there is negative information reported by : Bank of America included in the file XXXX maintains under my Social Security Number. Upon ordering a copy of the report, I see entries from this bank listing ACCOUNT ABUSE in XX/XX/XXXX & XX/XX/XXXX. I do not recall having an account from this bank in XXXX and XXXX. Please validate this information with Bank of America and provide me with copies of any documentation associated with these checking/savings accounts bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: IL

Complaint narrative:
1-1/2 months ago I received a credit alert informing me that my credit score dropped 56 points due to the change in Student loan status. Whatever Fedloans entered in regards to the COVID 19 student loan relief program caused my credit score to drop. No other factors on my credit report changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX, I entered into a temporary payment agreement with Capital One and I made the agreed payments. The company still reported late payment history for XXXX, XXXX, XXXX, and XXXX. I initially called XX/XX/XXXX to open a case about getting the late payment history on my credit report updated to reflect on-time payments because I made the agreed payments. Capital One agents called me XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform that it had been resolved and credit bureaus would be notified and my credit report would be updated as of XX/XX/XXXX. I recently retrieved my credit report and noticed that the late payment history had not been corrected. I spoke to Account Manager XXXX ID # XXXX and was informed that they couldn't fix the inaccurate credit reporting on their end because they already asked credit bureaus to update XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
My loan through west lake financial the interest is so high. That I will pay almost XXXX for a car worth XXXX! I have tried to refinance it! But its so upside down no one will touch west lake refuses to lower the rest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I received a notice from Casio partners saying they wanted to collect a debt owed to XXXX XXXX XXXX of {$1500.00} that was incurred XX/XX/XXXX I have never received a bill or call previously about this and have no medical problems or injuries that would have caused this bill I called Casio and asked what generated this and why I have never been contacted by anyone previously since it was from XX/XX/XXXX and have lived at the same address since XXXX. There has also never been anything else related to this on my credit report I was told it was up to me to find out why I supposedly owed this and what for I told them I wouldnt even know where to start looking and I dont owe it so I would retain a lawyer to help me get this off my credit and was told if I got a lawyer they woul not give me any XXXX regarding the debt.??????? 
This also shows up only on my transunion report and also like it started on XX/XX/XXXX when theyre letter says it is from XX/XX/XXXX Please help me with this as I feel I am being pressured to pay a debt thats not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Okay so there is this guy who owes me money for a laptop that cost {$2500.00} and he tried to pay me through XXXX but the payment didnt go through because I didnt have a business account and so he sent a check instead but instead of the check being exactly {$2500.00} he sent me a check of {$12000.00} and told me to go cash it at the atm at my bank which was XXXX and he said to split the XXXX and he keeps XXXX so I went to the bank and tried to deposit the check at the atm and it didnt work at first so I put in XXXX instead of XXXX when I tried to deposit it again and then the check bounced back and the banker told me the check was going to get reversed and then they closed my savings account so after that I went to Wells Fargo and opened a savings and checkings and the guy told me he would be able to wire transfer some money into my checkings so he did and wire transferred And credited my Checkings account with {$1300.00} but I never had any money in any of those accounts yet and so then he told me to send {$1200.00} back to him so I did and after I did that I received a phone call saying my account will close in 10 days and basically all I was trying to do was get my money he owed me because I already sent the brand new laptop And I still havent gotten paid from him and I have Some of his information aswell if yall need it but its been already 3 months Since he hasnt paid me and now when I try to go open a checkings account none of the banks allow me too all because this guy was trying to pay me. And all I was trying to do was get paid because its not fair that I sent him the laptop and I got nothing in return

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 2020-05-21 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: Cumulus Funding LLC
State: IL

Complaint narrative:
For more than a year, I have been trying to resolve the 30-day late payment that appeared on my XXXX  credit report from Cumulus Funding for the month of XX/XX/XXXX. After making numerous contacts to resolve, I discovered that, the error was due to a late payment that they agreed to correct while being under doctors care. This occurred during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of, Cumulus Funding instead reported late to XXXX. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with XXXX  and I did just that. I have written countless dispute letters for more than a year and no removal. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with XXXX  and Cumulus Funding directly. I appreciate any assistance you can provide in clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NH

Complaint narrative:
Total debt was originally owed to XXXX. I had paid off the amount from the credit collections services they removed the account from my XXXX credit report however the refuse to remove the account on XXXX  report. Stating that their is a balanced owed when it has been paid off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: KY

Complaint narrative:
On XX/XX/XXXX, I checked my credit scores, as I usually do on XXXX XXXX. On my XXXX  score, it showed a decrease of 35 points. The Enhanced Recovery Company, formally XXXX XXXX XXXX, says I owe them {$1100.00}. I have never in my life, had any connection with them. The comments stated on my report states that the account was opened XX/XX/2020. I'm requesting that this error be taken off of my credit report as I have had no affiliation with this company as an entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX - Open date XX/XX/XXXX XXXX XXXX XXXX  - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX  ( Transunion & XXXX ) Address : XXXX XXXX XXXX XXXX XXXX ( Transunion ) Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX  XXXX ( XXXX ) Unauthorized Inquiries : XXXX ( 2 TIMES ) XXXX  XXXX XXXX 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX  XXXX XXXX XXXX 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 2020-05-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are several inaccurate items reporting on my credit report : I was never late on the following accounts : XXXX XXXX XXXX  - Open date XX/XX/XXXX XXXX XXXX XXXX - Open date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX Dept of Education - Opened date XX/XX/XXXX The following account is not mine : XXXX - Reporting XX/XX/XXXX Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX  XXXX ( Equifax ) Unauthorized Inquiries : XXXX ( 2 TIMES ) EQUIFAX MTG ( 4 TIMES ) XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation