vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have filled out 3 separate Hardship applications and still awaiting a solution. Yet they have negatively put this on my credit knowing the hardship. I have called daily to find out what is going on and to see if we have a resolution. But have received no feedback. I last communicated with XXXX and transmitted all the requested documents that apply to my circumstances. I asked If there's anyone that can provide me the status of the application as this is now reporting negatively on 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
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises
State: NC

Complaint narrative:
I contacted CBC LLC regarding this balance of {$200.00} and they confirmed they had no record of this debt within their system. I am asking that the credit bureaus remove this debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I have been informed that this loan that I disputed was claimed accurate by this lender. The loan was opened in XX/XX/XXXX. XX/XX/XXXX the person who opened the loan up in my name made XXXX on time payment then was late from XX/XX/XXXX up until this date today. XXXX XXXX I went from living in XXXX XXXX Florida XXXX XXXX XXXX XXXX Nevada XXXX I have public records that are available to prove that. I have been trying to report this for some time and for some reason I cant get it off my report. I have called them to dispute the item and every time they say they are going to direct me to someone to help the call ends.

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 2022-01-19 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: CA

Complaint narrative:
I RECENTLY DISCOVERED A FRAUDULENT ACCOUNT BY BANK OF AMERICA ( PARTIAL ACCOUNT NO : XXXX ) IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY PERSONAL INFORMATION OPENED A BANK OF AMERICA FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN A SECURED CREDIT CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT 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
Consumer complaint received 2022-01-19 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: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
This is regarding a loan with Rocket mortgage ( XXXX ). The owner 's of the property are XXXX XXXX and XXXX XXXX. 

We asked Rocket, when we refinanced, if we could later do a Right of Way Abandonment. They said yes, but, you need to let the new loan mature 1 year. We did that and then Rocket mortgage refused to do the ROW abandonment. 

We live in a historic district and many neighbors have done ROW abandonments, and the Town or XXXX wants the ROW abandonment. 

We want to do this so we can build a garage. 

We wanted to move forward and trade XXXX feet in front for XXXX feet in the back. Essentially, we own the street in front of the house, but, not the backyard. It is this way because this is a historic district, the house was built in XXXX, and the surveys were not accurate. 

This is normal for this neighborhood and is a matter of surveying and redoing the maps to make everything correct. And, to legally allow us to use the property that is basically our backyard. 

Rocket mortgage will do an exchange if we wanted to sell land, or, buy more land, but, they refuse to do an equal exchange. 

And the only explanation is it is a " Corporate Decision ''. 

What they want us to do is refinance. OK, but, we have a great rate, and rates are now higher, and, we don't want to refinance as it costs more in the long run. 

And, it is not Rocket Mortgages right to force us to refinance, when they have a division that does this work, and they do charge thousands for it. 

So, we are being for forced to refinance when we don't want too. 

We feel that it is the servicer 's obligation to service the loan when this type of problem arises. After all, our property will be worth more after the exchange, as, we will be able to build a garage. 

And Rocket Mortgage should not be able to force us to refinance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a new business credit card. Before I received it, Citi left a voice mail about a fraud concern. I twice tried to call, but I was on hold for too long. ( I work for a living! ) After receiving the card, I have attempted to activate it but the website directs me to call " to protect [ my ] account. '' As I am writing this, I have been on hold over XXXX minutes.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CSO Financial
State: CA

Complaint narrative:
I called CSO Financial Inc twice to take care of my debts. They would not just let me pay. They said I had to pay additional interest on the debt and said I had to talk to someone else to find out how much I owed, rather than just allowing me to pay it off. They attempted to collect unnecessary information ( address, phone number ) and would not just provide me with the info I asked for or allow me to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have reached out to the company several times in the last year and a half providing information to them showing them the account was not mine. I've sent a police report, FTC report, my identification and a plethora of other documentation just to be told that information was not good enough. This has gone on for far too long. I have not received an original contract proving the debt belonged to me -- just a statement. Also, according to my credit report, each reporting agency has a different opening date. But if this information was accurate why are they all reporting the same thing? Reporting an error and even fixing an error is a violation with a fine of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19 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: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
Shows late payments on my credit report from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX these are incorrect and i have disputed these several times with the company and credit reported agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with written instructions of the consumer to whom it relates. I have never authorize Transunion, XXXX or XXXX to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, 1. XXXX XXXX ( opened XX/XX/XXXX ), 2. remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), 3. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), 4. XXXX XXXX XXXX ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
XXXX is to honor my request and block from furnishing my credit report, 1. remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to XXXX to furnish my credit report. PLEASE REMOVE THAT! 
Transunion is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, Transunion or XXXX and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS 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 non-monetary relief
Consumer complaint received 2022-01-19 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of Identity Thief. According to 15 usc 1681b ( 2 ), permissible purposes of consumer reports. It states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. I have never authorize XXXX, XXXX or Equifax to furnish my credit report. I never provided hand written instructions to place accounts on my credit report. It has harm my livelihood and I am living an honorable life. This is all erroneous, fraud, and incorrect. According to the fair credit reporting act ( fcra ), XXXX is to honor my request and block from furnishing my credit report, XXXX. XXXX XXXX ( opened XX/XX/XXXX ), XXXX remove late fees on comenitycb/zales ( opened XX/XX/XXXX ), XXXX. XXXX XXXX XXXX ( account opened ( XX/XX/XXXX ), XXXX. XXXX XXXX XXXX  ( opened XX/XX/XXXX ). I never authorized and or gave XXXX or any of these companies any hand written instructions to furnish my credit report. 
Equifax is to honor my request and block from furnishing my credit report, XXXX remove my late fees on the account comenitycapital/zales. I have made complete payment with them but I have never provided hand written instructions to the company nor to Equifax to furnish my credit report. PLEASE REMOVE THAT! 
XXXX is providing fraud, erroneous and incorrect information. I did not provide them hand written instructions and according to 15usc 1681b ( 2 ), I did not contact XXXX, XXXX or Equifax and provide handwritten instructions to furnish my credit report. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: GA

Complaint narrative:
I sent a debt validation letter to PDQ Services INC on XX/XX/2021 asking to validate the {$1500.00} owed. The company vailed to validate the debt, instead the sent a list of my medical records which is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I r

equested debt validation from LVNV Funding. In response they send a document that they created. The document notes my name as the Borrower and LVNV as the Creditor. LVNV did not provide any legal document or a legal contract which confirms I have an account with them. LVNV did not validate how they determined the amount they say I owe them. LVNV did not provide proof that I owe them. LVNV did not provide proof that they are licensed to operate in my State of Residence
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
Hello Sequium Asset Solutions , LLC : Happy New Year! Im confused XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC completed their takeover of XXXX in XX/XX/2021. Since then, their online banking service has become erratic, and now I have been unable to access my funds for the last two weeks. I went to the branch-they could not assist me, but did submit an internal complaint, telling me I should expect an answer in 3-4 working days. They called in 3 days when we were not home. They left a call-back number which no one answers.so much for customer response I still can not log into my account and still get an error message advising to try using another browser, which implies the largest US browser XXXX XXXX XXXX XXXX has somehow become incompatible with their system. They also list a help number, XXXX, which has a prerecorded message of " higher than normal call volume and minimum wait of 20 minutes ''. I tried waiting for 37 minutes before giving up on their wonderful customer service. 
I was able to log into a text box on their web site, actually able to talk to a live person. She told me their servers were down as why I could not access my account and simply try in an hour. Male bovine excretion is still XXXX*, and my trying again gave the same result. But even the most weak-bladdered bed wetter in their IT department should have found the bug in two weeks if that was indeed a valid cause, but I doubt it was. Totally frustrated and need to pay some bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been a customer of Citicard for 26 years. My bills are on autopay. 

I recently looked at my account statement and the numbers don't add up. I have not had this problem before. I first spoke with a representative, then a supervisor, and now ( XX/XX/19 ) a person ( XXXX ) on the corporate team. They have been unable to explain the bill to me and are giving me somewhat contradictory information. I asked XXXX several times if I could speak to someone else and he refused, saying he was the highest level. I finally gave up in frustration.

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