vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: Nelnet, Inc.
State: NY

Complaint narrative:
these accounts appear on my credit report, and I don't own them, it's hurting me. 

US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

6. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

7. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

12. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

13. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

14. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

15. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

16. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

17. Identity Theft DEPTEDNELNET Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a follow up on my earlier complaint # XXXX. I was overbilled by a lawyer and I disputed the charge. At the last moment, I got a letter from the bank after almost a month of filing the dispute informing me I only had about four days to get back to them with my defense, or the dispute would be cancelled. I rushed around trying to get it to them, and they said I missed the deadline. I called them and disputed the timeline, and filed a complaint with you the CFPB and then I got phone calls, and they credited my account. I re-sent the documentation. A month went by, and I got another letter informing me to submit more documentation defending my claim. I faxed it via my local branch at XXXX Bank of America in XXXX on XX/XX/XXXX, and also sent the documentation to them. Saturday, XX/XX/XXXX I checked my account and found that the charge had been added. 

I jumped through all their hoops, and sent the documentation, and right now I have been on hold for 40 minutes. We have a lot of money in their bank, and I can't believe how I am being treated, still getting the runaround after all my patience doing whatever they asked. They wasted my time jumping through all their hoops, and didn't even bother sending me a letter explaining why my dispute was turned down. I'm not using their credit card anymore, I'm sick of Bank of America and the disrespectful way they have been treating me.

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 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Equifax on XX/XX/2021 via phone at XXXX requesting to have incorrect personal information removed from my report.. After going through the phone verification, I was transferred to a live representative who refused to assist me. He sent over a verification link and when I selected the link it did not work. I am a victim of identity fraud and there is so much incorrect personal data being listed on my credit report I fear this fraudster will be able to beat the system and ruin my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: GA

Complaint narrative:
Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me

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 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
my name is XXXX XXXX and i have a housing choice voucher for homeownership. i closed on my home in XXXX  of 2020. XXXX XXXX housing authority pays part of my mortgage and then i pay part of the mortgage. i have been told this is a dual payment option. Pennymac is the servicer of my loan and they continue to harrarras and threaten me on the phone that they will be filing a lien on the property for nonpayment yet XXXX XXXX and myself have verified ALL mortgage payment have been made timely. they have poor record keeping and they are ugly and threating to take my home.i am very stressed out as im XXXX, currently XXXX  with XXXX children to care for i do not need this XXXX. i don't understand i am paying my mortgage im making sure the housing authority is making the payment. this is just discriminations from PennyMac to take my home. i need help now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is trying to collect a debt from me on behalf of Cashnet USA. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CA

Complaint narrative:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today XXXX, Bank of America branch of XXXX XXXX NY was visited by myself and mother as due to my XXXX XXXX, XXXX  XXXX and XXXX  XXXX, I need accompanying of someone who can react if I suffer symptoms of XXXX  as well as certain situations in which cause XXXX XXXX from occurring. My online portal was locked and I was unable to access this via my home which I remain inside due to the constant looks at myself as I am evidently symptomatic of a XXXX  XXXX. After being assisted by said Bank of America representative, she waited on hold with us for over an hour and finally when presented with questions concerning the account, I willingly provided every document of proof including tax returns via email on my phone, 1099 from particular deposits done through my person not company as it was done via my social security number, as well as documented companies that of paying me via my social security number. I asked for my account to be closed and funded my remaining balance. I have been a customer since 2006, my very first bank account as it remains a campus checking. Not only when presented with facts did she state she doesnt know what a XXXX is, she was unaware self employment could be run under a social security number. After an hour of asking for my cash balance did a supervisor come over blaming me for depositing money today and that I should of anticipated such action of said staff. I then presented official documents again along with press releases etc of companies involved in payments. Again instead of this employee understanding, as my voice was admit-tingly raising louder than I desired at this point due to the anxiety and stress of the fact I have not been in close proximity of another outside human being other than my family in almost two years involving detailed conversations, she begins to raise her voice challenging is I was XXXX as I referenced my mother, caretaker, required access to accounts in case of a hospitalization event as has happened in the past, they smirked and belted a sarcastic chuckle as at this point I demanded my account closed and made them aware of their violation of the ADA as now they require me to return again tomorrow and experience even more stress causing my XXXX  to increase drastically and my XXXX  to elevate to XXXX levels.

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 2021-08-10 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: TX

Complaint narrative:
My mortgage account was in a forbearance until XX/XX/2021. I sold my house in XX/XX/2021. Even though my loan was closed current, paid in full and I was on a forbearance, XXXX  and Experian and XXXX  reported that I was over 30 days late for last month since I didn't pay last month because I was on forbearance. 

This has greatly affected my credit score - decreased 40 points. They have not found a way to resolve this matter. My mortgage company has stated that they submitted the information to the credit bureaus as paid in full and current but some how they are showing 30 days late.

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 2021-08-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
Debt Recovery Solutions is trying to collect a debt from me on behalf of XXXX XXXX. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I try to create an online account to be able to pay, look at options, budget, and ultimately keep track of it wont allow me or say there are no loans attached to my name I have emailed IT multiple times and have called the branch a million times but still NO ACCOUNT Im not gon na pay until this is fixed Im tired of being runaround and still after 4 months HAVE NO ONLINE ACCOUNT TO MANAGE MY LOAN ugh pics below after I log in ugh

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
opened a coinbase account and made {$100.00} in purchases. 
Coinbase attempted 5x {$25.00} withdrawls on XX/XX/XXXX, following by 2x {$25.00} on XX/XX/XXXX causing multiple overdraft charges. 
I've tried over and over since XX/XX/XXXX to get clarity from them on why they attempted the unauthorized withdraws and my support ticket continues to be someone is looking into it each time I ask for an update. It's going on 3 months now and it appears they have no intention of resolving the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have a personal AMEX card and used to have a corporate AMEX card that has been closed for years. For several weeks I erroneously made payments to the closed corporate card accounts. The sum of the payments was greater than {$4500.00}. I discovered the error when I saw the balance on my personal account not at {$0.00} and collected a history of my recent payments prior to calling AMEX about the issue. I pay the balance on my personal AMEX in full each billing period. 

When I called AMEX requesting to have the payments to my closed corporate account transferred to my personal account, I was told the transfer would take 5-7 business days. On the 8th day, I called AMEX because the transfer had not been made. They informed me that the process had not even started and that it would take another 3-4 days. I declined the offer and asked to have a wire transfer refund. AMEX collected my account and routing information and said that the refund would take 3-4 days. I waited two business days and called AMEX to see if the refund was in process. AMEX told me that the process had not started and that I would have my refund no later than 8 more days on XX/XX/XXXX. 

Today is XX/XX/XXXX and I still don't have my refund. I have no faith that AMEX is trying to refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bought two pieces of land from the Government auction on XX/XX/XXXX for a total of {$6300.00}. I called XXXX county and XXXX county both counties where the land is located and the county tax and assessor departments could not give me accurate information where the land was located besides a plat map. That is a red flag inside of itself of the fact that the county doesnt even have the correct information. As it states on the website " As it relates to any Land property you have a period of 7 days ''. I have emails pertaining to requesting a refund within the 7 days and now the auction site isnt picking the phone up or returning emails. This is a fraudulent transaction. The XXXX  parcel search is showing the ID that they gave me XXXX acres of land but i only bought XXXX acres. The picture is in the attachments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NV

Complaint narrative:
I can not get a response from the company that handles my Reverse Mortgage. I have kept up my side of the agreement for over 10 years, I maintain insurance, pay the taxes, maintain the home and I am still alive and living in my home. This company for NO reason turned my account over to HUD with one phone number to call. MY QUESTION is why. I called this number 6 times sitting on hold anywhere from three hours to one and when I finally reach someone they just forward my question on to the company. It's just a huge call center with no information. I received THREATENING Letters that I had thirty days before they wanted a deed-in-lieu-of-forclosure. WHY. I NEVER recieved a call.They sent a response to cfpb saying they had talked to my daughter XXXX. First of all I do not have a daughter named XXXX and there were no missed calls logged on my phone. NONE. 
I feel that these threats must be explained. WHY did this happen? Why was I threatened about being evicted and I need this in writing asap. How can a company be allowed to do do business with no direct phone number?

Company response to consumer: Closed with explanation