vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Verify Debt, I have shown it was not a charge made by me. Midland Funding LLC Fraud. Harassment and attempted extortion I am being harassed by a bottom feeder collector from Midland Funding LLC who continually changes the start date, adding and decreasing the amount by {$1.00}, adding and removing late pays and changing the company names. I for six years have been being extorted by Midland funding LLC I have disputed this over and over, and it has made them worst. I have disputed it with your agency, I have shown proof Ive contacted them and I continually do receive harassing phone calls, mail and attempts at extortion through means of changing data to alter my credit score. This is bullying and extortion. I have reported this to all major bureaus more than 17 times, made a report with the FTC and the CFPB And NOTHING was done! They now have doubled down and made more changes and continue to drop my credit over this fraud, they are the worst kind of people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
This is a bill from almost 3 years ago from XXXX. I disputed the bill it was found and taken off of my credit report. XXXX credit reporting Agency was the last person to actually buy it they keep selling it to different agencies even though I have disputed it with the credit report and has been removed. This reinsertion is illegal is constant and these companies are incessant they have harass me and I explain to them that the last person who brought the bill also had to remove it its been removed three times and they keep trying to ruin my credit by putting this on there as if I havent paid the bill when in fact I dont alter them any money they took their equipment I could never use anything so they just showed up at my home at a nowhere when I called and canceled they are the ones who canceled it not me I dont owe them anything I never did Ive always pay my bills they keep trying to ruin my XXXX credit score with a three year old {$60.00} bill that I am not going to pay because I dont know its intimidation this is disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, I received a investigation letter and a updated consumer credit report from Transunion. The investigation for XXXX XXXX XXXX  states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX XXXX  is a CHARGE OFF account. A CHARGE OFF SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2021-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I started repairing my credit, and had 2 negative items removed from my XXXX report and 2 days later my credit limit was reduced. And they raised the late fee, although my account has never been late. I have been asking for an increase for over a year. I have excellent payment history and held the Pink Gold status with my card. They have caused damage to my credit report for absolutely no reason. I wasnt late I pay before the due date in most cases. And for this company to cause malicious damage to my credit report is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: MD

Complaint narrative:
Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.

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 2021-11-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit agencies are reporting incorrect scores and inaccurate information. I paid a loan OFF and paid my credit card balances down. My credit utilization should be less then what it was. They need to update scores and reports. Its impossible for a score to drop XXXX points when I paid a loan OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: Security Credit Services, LLC
State: CT

Complaint narrative:
I submitted a letter to Security Credit Services to validate a debt that they are reporting on my credit, as owing them. In the letter, I explicitly stated that it wasn't a denial of payment, but to validate that the information that they were reporting was indeed accurate and valid. I requested copies of the original contract, which they provided in a response letter from XX/XX/2021, but also copies of all accounting from their client, showing any and all payments which derived them at the alleged amount they state I owe. This concrete information would show the validity of the account, as well as copies of their licenses to collect in my state of residence. Neither of these pieces of information were provided, not to mention the fact that once this account was in dispute they were supposed to update with the credit bureaus the fact that the account was in dispute, a violation of the FCRA. While the letter states they ( Security Credit Services ) are allowed to report information, once an account is in dispute it's supposed to be reported as such. I never asked them to alter anything concerning the account, but once disputed this information should have been reported as in dispute immediately. This they did not do, nor did Security Credit Services report the dispute with the major credit bureaus. All information they admitted to in their response letter to me. I then sent a response letter yesterday ( XX/XX/2021 ) stating that I would be continuing my dispute due to these issue and errors and want to make a complaint due to unfair credit reporting and practices on the part of Security Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, I received an investigation letter and an updated consumer credit report from Transunion. The investigation for XXXX XXXX states that the dispute information was VERIFIED AS ACCURATE. XXXX XXXX is a COLLECTION account. A COLLECTION account SHOULD NOT SHOW A PAST DUE BALANCE OF {$990.00}. A collection account should show as a OPEN account. This is INACCURATE REPORTING. Copies of the investigation letter and the updated consumer report are attached for proof. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Disputed an acct and TransUnion removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by TransUnion just to put back on in another day. Please investigate as to why this has occurred.

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 2021-11-13 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: BANK OF THE WEST
State: NM

Complaint narrative:
On XX/XX/2021 there was a fraudulent transaction from a merchant that called showed on my bank statement by the name of XXXX, in the amount of {$190.00}. Along with several other fraudulent transactions that had been made on my account, dating back a month before, all from the same or similar fake named merchants, and all of them for the same amount of {$190.00}, all together totaling {$790.00}. As soon as I noticed the transactions on my account, I attempted to reach the merchant or whoever they were via the phone number on the bank statement, all to no avail. The numbers were either disconnected, or were recordings that would just hang up on me. So I tried to call my bank, and after waiting on hold for hours, on XX/XX/2021, I was able to finally talk to someone and let them know about these mysterious transactions. I had explained to them that I had no idea who or what the transactions were from. And that I had not purchased anything for those amounts. They said they would do an investigation to find out and after I had to send them a hand written statement stating that those transactions were fraudulent, they finally accredited my account for the {$790.00}, as a provisional credit. It took a little over 2 months for them to finally get done with " the investigation '', and we finally got letter from the bank on XX/XX/2021, saying that ended up denying my request! And that they were going to take back the provisional credit that they had put in my account, and that if the money wasn't in the account that I would be responsible for the money owed to them! They said that they some how got printouts from the fake merchant showing that I had made at least one of the transactions. Even though the phone number on the paperwork for that fraudulent business or merchant, was disconnected! Some how they got ahold of them even though it was all a fraud!?! I want to know how they even got in touch with the merchant in the first place to get those bogus printouts!

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 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I started my refinance process back on approximately XX/XX/2021 with Chase Home Mortgage. We have had our mortgage with Chase for over six years. They have taken us through a painstaking process to get the refinance, which is still not done. Multiple times they told us to pay off other debts in order to get the refinance through, they asked us to payoff some revolving credit card debt, we did and they did not approve the refinance. They asked us to payoff a car loan, we did and the loan was still not approved. We provided all of our finance information which is substantial, and it's still not done. During this three month ( so far ) process they have been sending multiple loan statements that have reviewed the terms of the loan in process, including the proposed new monthly payment. For the entire time during this process the new estimated monthly payment was listed at {$2400.00}, now that the refinance has " preliminary approval '' the estimated monthly payment shot up to {$2800.00}. Also, the closing costs went from {$11000.00} to {$13000.00}, which is extremely high for a refinance with the company where we have the existing loan. I've spoken to other mortgage lenders and they tell me the typical closing cost for an existing customer refinance is approximately one months mortgage, which in this case would be {$3400.00}. So far there have been three lending advisors assigned to this process. Not one person can tell me why these numbers changed so dramatically, or why they are charging us such a high price to refinance since we've been a solid customer of theirs for six years never missing a payment or ever being late. My thought is there is something unscrupulous happening here and everyone I speak to at Chase disavows any knowledge of why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
in XXXX XXXX XXXX XXXX was charging me for utilities in an apartment after I had moved out. It was corporate housing for work I was doing in XXXX, MA area XXXX, MA to be exact. When I got the bill I called XXXX XXXX several times to discuss, eventually speaking to them on a three-way call with the apartment complex, confirming that the subsequent renter had in fact changed the utilities to their name and that I had filed the appropriate paperwork upon moving. 

The agent for the XXXX XXXX XXXX indicated that they had corrected the item and nothing further needed to be done. I never received any subsequent bills or statements to my permanent address which I updated on XXXX XXXX XXXX  Website, the Apartment Complex ( XXXX XXXX at XXXX ), and on the phone with the agents. 

This month I noticed an item on my credit report and disputed it with all three agencies. XXXX concluded their investigation indicating that they " validated the debt. '' The XXXX online form does not provide a legal explanation of why I am disputing the debt. I am a XXXX ( licensed in Michigan XXXX XXXX. XXXX ) and provided, in the limited space the best legal summary I could citing the doctrine of Estoppel indicating no actual proof of the debt exist of the debt. 

NATIONAL RECOVERY AGENCY, the collection agency continues to call and harass me. 
Their contact info is : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, PA XXXX I would like the report removed from all credit bureaus and the record corrected. I have all the documentation as I am an XXXX. The credit bureaus do not allow attachment of documents and any further contact on my part would only serve to validate this false claim. 

I have attached my copy of my final bill the month I moved out.

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/2021, I disputed that Transunion, XXXX and XXXX are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.

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 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
On XX/XX/XXXX, I received a text from what I believed was the Wells Fargo fraud department. It asked me if I authorized XXXX charges, XXXX for {$1000.00} and another for {$700.00}. I replied no. I received another text from the " fraud department '' saying they would contact me. This same process was actually used on XXXX different occasions approximately 15 years ago when my account information was obtained through an ATM and my account was used fraudulently. After speaking to the " representative '' they had advised me I needed to send the money back from XXXX which is run by XXXX XXXX  back to myself. The {$1000.00} was intended to be sent back into my account, the transaction even says my name, but once the transaction was complete I was disconnected. The money was not intended for anyone other than myself. I went to bed that evening thinking nothing of it because after all I had believed it was Wells Fargo ; until the next morning. On XX/XX/XXXX I called Wells Fargo XXXX  department where they led me to believe I was getting my money back within 10 business days. On the XXXX day, XX/XX/XXXX,, I called to where they informed me the case was closed because the scammers bank refused to return the money. They had closed my claim without even informing me! To alot of people {$1000.00} isn't much, to me it is. I have XXXX children and I work hard to save any money. I was led to believe I was protected by Wells Fargo online fraud protection. According to Wells Farg, this is not the case because it was through XXXX which Wells Fargo partners with. Apparently, after much research, Wells Fargo has returned some consumers money but not others. Those individuals they have returned the money to have had to seek outside help such as news stations and online sources. Wells Fargo has not and is not treating this situation with fairness to the consumer. I would appreciate the return of the {$1000.00} that was taken from 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 2021-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
I have been dealing with Lennar XXXX? ( home builder and Mortgage company ) since XX/XX/2021. After many offers, I finally got a townhouse that would close on XXXX. I uploaded all documents that were required. On the site there were also documents for me to sign, they had my address and social security number wrong ( since XXXX ). We are 2 weeks from closing and they rip this house right out from under me because they are now saying that my Worker 's comp pay is not considered income. At the very last minute. I contacted everyone and nobody has the decency to respond. They did this to get a lot money, I know they did! This is unfair and unjust. They should have at least given me until my close date to find another loan. I was diligently working on trying to get another loan, they didn't respond at all to my pleas. My son was going to co-sign with me. XXXX XXXX from Lennar Mortgage sent a link for my son on Friday evening ( XXXX ) which would have been approved but on Saturday morning I received an email from XXXX XXXX ( Realtor for Lennar ) telling me that they were in the process of accepting another offer! This was so wrong!! My son didn't get to apply with me! They took MY townhouse from me!!! This is so wrong! And absolutely nobody will respond to an email! I sent everyone on the board and the sales manager, an email letting them know how I was treated, not a single response. I was treated unfair and unjust! I deserved at least until the close date to acquire another one.

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