vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IL

Complaint narrative:
I received a call from Credit Control asking to pay a debt.I had received a letter in the mail a couple months ago and I responded with a dispute and validation notice. I did not hear back from them. They called today on XX/XX/2021 and informed me that I had an overdrawn checking account I owed {$69.00} on. I have never had an acccount with this bank. She gave me the account numbers and number for the original creditor. 
The company Credit Control sent me back to XXXXXXXX XXXX for an overdraft account. I reached out to XXXXXXXX XXXX and sat on hold for 2 hours. Finally I was able to get a XXXX XXXX on the phone. I explained on the phone that we had never had an account with XXXX XXXX. She put me on hold and got a supervisor named XXXX XXXX ( collateral liquidation Supervisor ). XXXX informed us that the account appears to be associated with a XXXX. She said that XXXX name does not even appear on the account. Credit Control was asking for the last four of my social security number and sending me collection notices my name did not even appear on. Not only did they disregard my request for the validation and Cease and desist they were attempting collection efforts for a corporation out of California on a XXXX  number that contained neither my social security number or my name. Information I was able to obtain from XXXX XXXX at Credit control was an original account number of XXXX and a credit control account number of XXXX. This account does not appear on my credi at this time. I do have concerns that they have added my social on after having me verify by phone. XXXXXXXX XXXX  has confirmed this is NOT my account

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 2021-06-28 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: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XX/XX/2021 XXXX, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been so stressed out dealing with Exxperian. Ive sent several letters to Experian requesting inaccurate account to be investigated and deleted from my report. Ive sent a letter out on XX/XX/21 and XX/XX/21 and have yet to recive any correspondence. This is damaging my life. By law the credit bureau has 30 days to respond and if they dont they must delete the accounts from my credit report. I am demanding these items to be deleted from my account immediately.

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 2021-06-28 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: MA

Complaint narrative:
Hi ; Im confused and stressed 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 immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: FL

Complaint narrative:
A company by the name of XXXX charged my card {$96.00} on XX/XX/XXXX. I notified cashapp about the charge went back and forth for about a month. So.I changed cards, I notified them to let them know that I could see each where this company is still trying to take money from the new card. They told me don't worry. On XX/XX/XXXX the same company took {$65.00} off my card.Now, I don't normally keep money on this card, but somehow this company keeps trying my card. I tried to look the company up, and Ive gotten no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: NY

Complaint narrative:
there is still a fraudulent account listed on my credit report. I have disputed this information numerous times and yet this fraudulent account still remains on my credit report. I have submitted the FTC and all supporting documents. This is not fair to me that fraudulent information in on my 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 2021-06-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Please see the attached explanation. I sent this letter to all three credit agencies and Goldman Sachs to plead for an act of goodwill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
We, the Bank sent wire on behalf of our client on XX/XX/2021 for {$13000.00} to HSBC NY routing number XXXX to credit HSBC XXXX XXXX, Swift Code XXXX, to credit beneficiary. The Beneficiary claims the funds have not been received in their account. We have sent 8 service messages to HSBC in New York. The dates the service messages were sent are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. The messages to HSBC NY are to ask for confirmation of credit and then recalling the funds to be returned. HSBC had not responded or acknowledged any of our service messages. I also contacted Customer Service at HSBC at XXXX, but they were not able to give us any information as we are not their client. As of today XX/XX/2021, we don't know where the funds are at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Hi ; Im confused and stressed 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 immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im disputing the PAST DUE AMOUNT- Experian report {$5500.00} but XXXX XXXX report {$5500.00} im disputing the inaccurate payment history : Auto now report my first payment was on XX/XX/XXXX, but Experian report I made a payment XX/XX/XXXX Im Disputing Missing notice of dispute on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX has transferred old credit card debt over to Miland Credit Reporting. I have received threatening calls and emails. I lost my job due to Covid 19 and they put a negative mark on my credit daily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contacted the DOE Ombudsman 's Office in XX/XX/XXXX to file a complaint that Navient was trying to collect on a loan that should have been sent over to the XXXX in XXXX and refuses to do so. I have spoken with several reps and management going back to XXXX and been jerked around, as to why the loan was not sent over to XXXX XXXX XXXX. 

After the initial contact of the Ombudsman 's Office, I was told that Navient advised the office that I do not have any federal loans with Navient, and the case was closed. Due to my insistence, the case was reopened and escalated to a manager at the Ombudsman 's Office. With a little further investigation, the manager realized that some nefarious was taking place but was able to contact management at Navient to have the case expedited. 

After the investigation was completed, DOE Ombudsman 's Office had discovered the same thing that I reported and that is, Navient has been lying since XXXX about the status of the loan and why they were unable to send it to XXXX. According to the DOE, the loan had lost its insurance and as such, can not be consolidated or transferred to XXXX. 

My issue is, Navient has listed the loan as late, in default, and to further complicate things they are asking me to make payments of {$830.00} but I am unable to pay that amount. Navient stated that the loan was disbursed in two increments that totaled {$27000.00} and now they have stated on XX/XX/XXXX, that the interest rate on your loan has been a fixed 8.5 % since disbursement. Additionally, Navient stated at the beginning the loan accrued interest at {$6.00} daily, they stated that now that the loan is at a principal of {$66000.00} with {$270.00} in the interest the daily amount had increased to {$15.00} daily. 

Please help resolve this issue soonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
We received our XX/XX/2021 mortgage statement from NewRez DBA Shellpoint on XX/XX/2021, The statement states that the payment amount due for XX/XX/2021 is in the amount of {$1800.00} instead of the correct amount which should be {$940.00}. This XX/XX/2021 statement was generated on XX/XX/2021. Our XX/XX/2021 payment was cashed by NewRez on XX/XX/2021. 

The statement also indicates that our payment in the amount of {$940.00} was not applied for the payment due XX/XX/2021. 

We sent a payment in the amount of {$940.00} to NewRez. We sent the payment certified and with a delivery signature confirmation. 

Per USPS records NewRez received our check on XX/XX/2021 at XXXXXXXX XXXX. XXXX XXXX signed for the delivery confirmation. 

We confirmed our bank records and NewRez did indeed cash our check in the amount of {$940.00} XX/XX/2021. 


NewRez needs to immediately do the following : 1. Apply the payment we made for XX/XX/2021 in the amount of {$940.00} to our account and ensure that it is accurately reflected on future statements. 

2. Send us an amended XX/XX/2021 statement which states the correct Payment Amount Due of {$940.00}. 

Please note that complaint is related to all of our previous CFPB complaints regarding the handling of our mortgage by NewRez dba Shellpoint.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am being charged two taxes on my escrow account for my home mortgage. Only one of the Tax accounts belongs to me, the other should be removed. 

I began calling about this issue in XX/XX/2021 and was told the issue would be taken care of by the tax department, I called back on XX/XX/2021 was told the issue was resolved and should appear corrected in my next statement. Called back in XX/XX/2021 and was told it was being escalated to call back on another date to confirm it was removed. Called again on XX/XX/XXXX extremely upset because it has still not been removed, was put on hold and the call was disconnected after 20 minutes! called back again was transferred to a young woman who seemed to understand the issue and told me she would personally follow up and make sure the issue was finally correct and she took down my information so she could call me back once the problem was resolved. Today on XXXX XXXX I have called again was on the line with a representative when he told me he would place me on a brief hold to discuss with another representative, again after 25 minutes the call was dropped again and I never received a callback. I called back an hour later and spoke to XXXX who again told me he would be opening up a ticket with the tax department because they are the only ones who can correct this issue and he would be contacting me once correct. 

I have been given the run around for over 5 months and it seems like AmeriHome can careless about correcting these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Porania, LLC
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

4. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING, LLC LOCATED AT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1200.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SG and Associates
State: CA

Complaint narrative:
My childs mother XXXX XXXX used my social security number while I was XXXX to buy a cellphone underwear my name and I did not give her permission I was XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX I don't care. 

You attempt to bill someone for their own XXXX? 

That's a serious problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has been unfairly and poorly reporting my credit report to lenders and companies. I know that their information is incomplete or they are too lazy to make the updated correction. Yes I have tried to speak with someone over at Experian but their automated system prevent you from speaking to a live person. Their online presents is not as efficient as say XXXX, XXXX.My Credit score with every other credit bureau is over XXXX. I would even understand a high XXXX score for them but XXXX when you compare my payment history/ utilization is under 5 %. length of credit is over 10 years and in good standing. I have been very careful and responsible so why is my score so low? I am starting to think there is an underline cause that is not right. So before I take things to the next step calling lawyers let us see if your company can mediate a fair score for all my years of hard work. I Applied for a XXXX XXXX and got denied due to Experian 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