vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
According to Equifax they reinvestigated my disputes the errors I discovered on my report filed by them. If they had reinvestigated they would have known that in XX/XX/XXXXthe followkng occurred : 1. XXXX Bank account was paid in full with current status balance XXXX. 
2. XXXX XXXX  Bank account was paid in full with current status balance XXXX. 3
. XXXX XXXX  Bank account was paid in full with current status balance XXXX.

4. My address is still being reported in error by reporting an undeliverable mail post office box in my file.

5. My name is reported incorrectly their should only be a first name and last name.

6. My social security number should not be visible on my report for anyone to see The above items should be deleted because several attempts have been made for Equifax to correct and have purposely reported incorrect or updated information repeatedly and should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. 
The loan number is XXXX. 
PNC 's telephone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this Rentdebt a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
In XXXX of XXXX, I completed an application for and submitted an employer verification form requesting to enroll in the Public Service Loan Forgiveness Program with XXXX. I then contacted them in XX/XX/XXXX to submit the annual employer verification form. On XX/XX/XXXX, I received a letter stating that I will only be credited for on time payments made from XX/XX/XXXX to XX/XX/XXXX although I have been a full time employee of the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX and verification was submitted confirming this. The representative stated that they have my employer as the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I explained that the XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is the same employer and it either way it is a public institution. The XXXX representative acknowledged that the Federal ID # was the same for both names ( XXXX ). I was told that my case will be reviewed and adjustments will be made if on time payments were made while employed at my state job between XX/XX/XXXX and XX/XX/XXXX but the review will take anywhere from two months to six months. During XX/XX/XXXX, I contacted XXXX to get an update and was told that my account has not been reviewed and can take up to a year to review and no additional information can be given to me at this time. I feel that this time is extremely long and unfair and the review should have already began as it is four months since I requested a review. I do not believe that the process takes that long as the history of my loan was forwarded to XXXX when it was purchased by XXXX. How is it then possible that they need 6 months to a year to review. It is now 4 months and my account has not even been looked at. I believe XXXX has no intention in reviewing my account with the expectation that I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. It has been brought to my attention that I have a judgement against me for a debt that was paid and closed in XX/XX/2008. 

I had a XXXX XXXX XXXX credit card that was not closed properly and remained open over 10 years ago. 

There is no evidence on my credit report showing the history of debt. 

I have contacted the original creditor in which they do not have any information of me on file. I have contacted Calvary Portfolio who is reporting with XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, None of these companies have any information of the debt. 
None of them can tell me or explain the balance history. 
None of these companies are validating the history of the account. 

All I know is there was a balance of {$19000.00} which is now an alarming {$38000.00}. 

No one can tell my why I owe this balance?! 

Please help me investigate this. I am trying to refinance my home and I have great credit but this account came up and stopped me from doing what I need to do. 

I feel stuck and helpless and scared these companies are trying to steal from me. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
In XX/XX/2018 I filed a complaint with this company and they claimed to have placed my parents numbers on a Do Not Call list. Yet my parents are once again receiving repeated and harassing phone calls discussing my debt. 

Not only have I asked XXXX XXXX to stop and they have not honored that, they have taken to calling from multiple numbers at all hours of the day, 7 days per week. This is harassment and an invasion of my privacy. Any number you are calling needs to stop IMMEDIATELY as it should have almost a year ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have 2 accounts from XXXX showing on my Experian credit report. I had a loan with XXXX XXXX which they sold to XXXX. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and XXXX in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The XXXX XXXX loans are gone but the XXXX loan still show and it's hurting me getting a 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 non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
Borrowers : XXXX & XXXX XXXX XX/XX/19 - we faxed our authorization and a request for a Payoff Demand. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. We were told we would have it within 48 hours. 

XX/XX/19 - called Loan Depot as we had still not received the Payoff Demand. Rep " XXXX XXXX '' said nothing had been done and she assured us it would be requested. 

XX/XX/19 - Still nothing from Loan Depot. Called again and spoke to " Ms XXXX '' ID # XXXX. The payoff demand has not been ordered nor are there any notes that I have called multiple times and requested it. NOTHING IN THEIR SYSTEM and NOTHING HAS BEEN REQUESTED!!! 


This is not acceptable. It is a violation of Fair Debt Practices Act and clearly is racism against our minority borrower. 

I want a Payoff Demand immediately. 

CC : Attorney General

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX XXXX and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my Experian and XXXX credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my 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 2019-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good Afternoon, The below inquiries were made without my permission and have been affecting my credit score for the past year and a half. 

XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX  XXXX  XX/XX/2017 XXXX  XXXX   XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX  XX/XX/2017 XXXX  XXXX XX/XX/2017 XXXX  XXXX   XX/XX/2017 I have tried for the last year to have these inquiries removed and have been subjected to a non stop runaround from both the initial inquiry creditors and the credit bureaus. I believe that my ex husband had used my credit information to try and buy a car in XXXX/XX/XX/2017 but was unsuccessful. I have called the creditors and been told to dispute this with my crediting company however Transunion refuses to remove these inquiries without some type of removal letter. When i called the creditors to obtain this letter they informed me it does not exist and they refused to send confirmations for removal to Transunion because they would have to admit fault in a hard inquiry placed without my explicit permission.I just got off the phone with a transunion customer representative AGAIN and their issue is the same. That I can not file a dispute with them to remove these inquiries without written confirmation from the creditors, which they will not give me. 

Please help me, These numerous hard inquiries are ruining my credit and I do not know what else to do. 

Thankyou

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 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
I received a letter from Caine & Weiner that was dated XX/XX/2019 saying that they've been hired to collect debt from me. I do not recognize the company Caine & Weiner claim I owe money from. The letter instructs me to call Caine & Weiner if I didn't recognize the debt and I did call multiple times, on XX/XX/19, XX/XX/19, and XX/XX/19. All three times no one picked up and 2 out of 3 times I left a voice message with my information for them to call me back. I did not receive any phone call back from Caine & Weiner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Monday XXXX XXXX 2019 my husbands debit card that he had possession of at the time was used to withdrawal {$200.00} from an ATM on the south side of XXXX. The bank notified my husband right away. We cancelled his card & had to wait two weeks for a new one plus had to go into the bank to get a new PIN #. The bank refunded our money the next day. About 3 weeks later we received a letter stating that our claim was closed & determined we authorized the charges which would lead to them removing our money they returned to our account. My husband got on the phone right away and they said don't worry about it we will look into it. On the XX/XX/XXXX they did in fact remove the money. He was on the phone with them twice, I was on the phone with them, and ended up calling our local XXXX branch & spoke to the manager. The customer service & fraud stated that because it was an ATM we used it. I said please tell me how someone around XXXX XXXX at night on the south side XXXX at a laundry mat used our card while we were at our HOUSE in XXXX, IL. We were in the city a few days prior at my in-laws house in XXXX XXXX. The north side of XXXX. We used the card at XXXX XXXX down the street from the house twice, XXXX down the block twice, and at an organic cafe called XXXX in XXXX. No one is helping us and they have denied our claim TWICE. I feel like I was not only robbed by a thief, but by the bank as well. An establishment that my husband and I have been with for over 10 years. We also keep a pretty good savings account with them. That money that was taken was hard earned money that we use to live off after our bills are paid. My husband signed an affirmative that was notarized by the branch manager that she is submitting. He is currently trying to call our phone provider XXXX to get a document that shows our location of being at home the entire day Monday when the money was removed. He also has proof in our bank account of using his card at a few places in our town!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-04 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: The CMI Group, Inc.
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 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: TX

Complaint narrative:
I contacted Equifax about my credit report and I noticed there are tons of fraud on my account and I never applied for a loan or did business with these people and my ID and my social security card was stolen and i fax a police report/and identify theft report FTC and Equifax refused to honor my request and the investigation took more than 90 days and I havent had those accounts deleted/removed off my report such as XXXX XXXX XXXX XXXX  balance amount XXXX XXXX XXXX XXXX XXXX XXXX balance amount {$820.00} XXXX  XXXX XXXX balance amount {$220.00} XXXX XXXX XXXX  balance amount XXXX XXXX card balance amount $ credit limit is XXXX XXXX XXXX XXXX balance amount {$500.00} XXXX  XXXX XXXX balance amount is {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by Portfolio Recovery a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I.C. System Inc has an account on my credit report that I disputed from both XXXX and XXXX. I am aware that the reason I disputed the account is accurate, because they removed it from my XXXX report ( see attached ). It is still listed on my XXXX  credit 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 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
The original creditor account was through XXXX XXXX XXXX but that charge was disputed due to the account being mischarged and incorrectly billed. XXXX XXXX removed the derogatory mark from my credit report but appear to have sold that account to multiple collection agencies. LVNV Funding LLC has recently removed the collections account from my credit report but this accounts was THEN given to Resurgent Capital Services ( see scanned letter ). This account has been closed and originally removed from my credit. I need the multiple inquiries and collection attempts to stop, its too much for me to handle and is ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX Now and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my XXXX  and TransUnion credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my 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 2019-02-04 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report. 
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request. 
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request. 
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt from my Credit 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