vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I received a templet letter dated XX/XX/2020, from Source Receivables Management requesting {$2900.00} that I owed. On XX/XX/2020, I sent out a formal request notice for validation and verification of the debt to Source Receivables Management by certified mail with signature. They received and signed for that request on XX/XX/2020, at XXXX XXXX  They are in violation of FDCPA 15 USC 1692g 809 ( b ) by : 1. Failed by ignoring my written request to validate and verify their alleged debt with me. 
2. Failed by not stopping debt collection activities on this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not applied for a credit card recently and there was an inquiry done in my credit report. Transunion and XXXX  low my credit score for an inquiry that was made under my information.

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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to resolve this issue with credit agencies however they have refused to remove these account from my credit as it is in the FCRA : Any account reported as identity theft should be remove from consumer credit file, if you don't provide me with original contract with my signature in it these accounts can not be verified. In order to list these account you have to have original document with my signature in it. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2020-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
We have a Home Depot Consumer credit card through Citi Bank. A few years ago I received a phone call about the card and they asked if I wanted to be set up for autopay and I did. XX/XX/XXXX I went on my Home Depot account online to pay the balance in full before the autopay was to come out on XX/XX/XXXX. The online balance on my account was {$730.00}, so I entered by new bank account information and paid it off. The phone autopay was set up to pay on our old bank account. On XX/XX/XXXX the autopay of {$28.00} was paid. On XX/XX/XXXX the payment was reversed because they tried to deduct it from the old bank account. I received an email XXXX XXXX that my Home Depot Statement was ready to view. Thinking this was odd since I had paid it off in XXXX and had not used the card I went to my online account and there was a balance of {$140.00}. I looked back to XXXX and saw my payment of XXXX and the XXXX payment and reversal. Looking at XXXX, XXXX, XXXX, and XXXX statements we had been charged late fees, interest and processing fees from the XXXX reversal. I called Citi to find out what was going on because I had paid the balance in full online. We were told that the online balance on XX/XX/XXXX was minus the autopay of XXXX that was set to pay on XX/XX/XXXX. We explained that seemed very deceitful and asked that all of the fees and interest be reversed and we would gladly pay the XXXX that we owe. The customer service rep apologized but said there was nothing they could do. We asked to speak to her supervisor, who offered to waive one of the late fees leaving us with a balance of XXXX. We then asked to speak to executive manager. He proceeded to tell us this was normal practice. We argued that we were set up on autopay on many cards, which we paid off online with no problems at all, even another Citi Card. The only resolution we asked for was for them to back out the fees, get it off our credit report and we would pay the XXXX and they would not accommodate. They said they would escalate to their corporate office, but there was nothing they could do. They also have our current bank account information on their website since XXXX. Apparently their autopay set up by phone is completely different than autopay set up online. We communicated to them we would be in contact with our states Attorney General.

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 monetary relief
Consumer complaint received 2020-03-05 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: FL

Complaint narrative:
I have not applied for a credit card recently and there was an inquiry done in my credit report. XXXX  and equifax low my credit score for an inquiry that was made under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Coastal Credit, LLC
State: IN

Complaint narrative:
I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I was informed my existing loan is not gaurenteed thru the VA. The loan I am trying to refinance is with my current mortgage loan provider and they are saying I can not use my IRRRL benefits. I have all loan documents showing my existing loan is a VA loan and I believe I am a victim of mortgage fraud by Planet Home Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Auto Trakk, LLC
State: IN

Complaint narrative:
I have contacted Autotrakk ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I once had a XXXX XXXX Credit card Which I used very little. Suddenly in XX/XX/2018 the card increased to over {$70000.00} and I had not done it. It was interesting that the card limit was {$15000.00} but was well over that. I contacted the company which had been bought out by XXXX and they could or would not give me any explanation. The statement showed multiple payments on the card but then within about 5 days reversed the payment. I did not make the purchases and even IF I had what happened to the credit limit of {$15000.00}. 
WE have tried talking to the new owners of the account ( Midland Credit Management ) and again nothing we say seems to register with them. We sent them a letter disputing the whole thing and just now we received a notice that they are " uncertain of what we are specifically disputing ''. I thought our letter was very clear as to what! For one thing I didn't make the purchase, the second ; the banks that the payments were made from I do not know and have not had accounts there. The only way I can see it getting to the {$86000.00} they are claiming is if there has been fraud on their part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have two credit cards for Capital One. The first one was opened XX/XX/XXXX and the second one was XX/XX/XXXX. My account was restricted so I called the credit card company today XX/XX/XXXX. They said that " I entered the wrong social security on an account ( they can not elaborate as to when or what account ) '' so now they are requiring me to submit a copy of my social security number and government-issued ID. My question is this, after almost 8 years of having credit with them, is it safe or even lawful to demand a copy of my social security or a government-issued ID for one incident? I do not even know when or when this happened? If the credit card company is concerned about identity theft, I had to check myself on my XXXX account and there is no such incident. So why are they harassing me for this?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax refuses to give me my credit report after I've sent them numerous copies of my Social Security Card and Bank Statements from XXXX XXXX, and other banking institutions where I maintain my financial accounts. I have fraud alerts turned on and according to 15 USC 1681j ( b ), they should send me my credit report upon request free of charge. They won't even send me my annual free credit report. 

Title 15 USC 1681j ( b ) Free disclosure after adverse notice to consumer Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681g of this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer 's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was a Pro Se litigant and have discovered fraud for the last 8 years on this property. 

This is an unexpected fraudulent 2nd lien assignment from XXXX XXXX XXXX XXXX XXXX, as Trustee for the servicer Bank of America NA under representation XXXX XXXX that I am currently addressing via FTC, Federal Reserve Board. 

For information purposes ; 1.MERS, Bank of America ( BOA ), and XXXX ( Servicer ) have executed an unverifiable assignment on my property and the notary allowed XXXX XXXX to represent Bank of America and MERS on the transaction. 

2. XXXX XXXX XXXX assigned its interest to BOA on XX/XX/XXXX 3. BOA assumed the assignment XXXX ( Loan was paid thru XXXX, XXXX closed XXXX, BOA & XXXX have no history of payments etc. 

4. ( Fraud ) MERS reassigned BOA thru erecording on XX/XX/XXXX ( no book #, no page #, and original mortgage payments never applied to a reduced amount. ) 5. These companies have " no standing '' to enforce a lien and must be removed. 

6. PA statue of limitations due apply, if this assignment have any merit. 

I am specifically requesting XXXX XXXX XXXX XXXX XXXX to furnish the following before XX/XX/XXXX : The Trust SEC name ( for verification that the Note & Mortgage was timely deposited into the Trust ). Please Note : The PSA Cut-Off Date was XX/XX/XXXX. 
Pooling and Servicing Agreement / Prospectus ( expiration purposes ) Bill of Sale ( ExXXXX XXXX XXXX documented assignment to MERS to XXXX  ) Chain of Title and its indorsements Authentic Promissory Note Detailed Explanation of the gap between recording XXXX, XXXX and XXXX and XXXX ( see attachments ) Please advise why XXXX never enforced this debt thru foreclosure proceedings and or my credit report under the FDCPA section 807 ( 8 ). 
Please furnish the history of this debt, payments made etc., exact month, day and year of servicing authorization thru chain of delivery and acceptance receipts. 

I have not received a response, however, XXXX XXXX with Bank of America stated via CFPB Portal they need more time to address my concerns.

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 2020-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Today, XX/XX/2020, Ally Bank was advertising interest rates of 2.5 % for a fixed 15 year refinance. This was obtained using their web site ( online bank only ) and their refinance calculator. All the details of the refinance ( amount, location, etc ) were entered into the refinance calculator. Because of the low interest rate, we started the application process ( also online ) the same day. The interest rate suddenly changed to 3.375 %. We e-mailed XXXX XXXX ( XXXX ) and he just said the rates are changing every day. But evidently they are changing every hour, because when I went back to their online rate calculator, I was given a new rate of 3.125 % for the same loan. Again, their online calculator is lower than the actual rate they will loan money at. This is just deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  XXXX  and XXXX  XXXX  must be removed from my report its not the law and I want it off its not my loan. This is very crazy. I am being ignored. They are saying it verified without any proof. I want XXXX  XXXX  and XXXX  off my report. Im afraid to send in my personal information to anyone. my drivers license and social this is private information. I want these removed permanently

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 2020-03-05 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: FACTUAL DATA CORP.
State: IN

Complaint narrative:
I have contacted XXXX ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and Factual Data ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05 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: NATIONWIDE ACCEPTANCE LLC
State: IN

Complaint narrative:
I have contacted XXXX ( inquiry XX/XX/XXXX ), Nationwide Cassel ( inquiries XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( inquiry XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2020-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted XXXX XXXX  ( inquiry XX/XX/XXXX ), XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX ( inquiry XX/XX/XXXX ), XXXX  ( inquiry XX/XX/XXXX ), and XXXX XXXX ( inquiries XX/XX/XXXX and XX/XX/XXXX ). I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2020-03-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This corrupt bank still held my account open after they allowed fraudsters to take all my money. Originally, they told me that it was closed in 2018, and that I had to go to the branch to open a new account. However, I declined because my money was never safe with them. Fast-forward to today. I receive a reimbursement by accident to the old Citibank account, and the ACH transaction does not bounce back. I call in to receive some of the worse customer service and incompetence ever. These people who they hire at the call centers never use simple logic. They are telling me that I have to go to a branch to resolve this when I live 7 states away to the closest one. Then to top it off, I can't cancel the account and get a refund, so Citibank is holding my money illegally in an account that should have been closed when the fraudulent transactions took place. I was able to remove all other associated accounts that went into the negative on my XXXX   because Citibank 's lax security on bank accounts, but I am working on the 2 other credit bureaus. They are terrible and I don't even care about the money anymore, just close my account and delete my personal information. I don't want to be associated with this terrible institution anymore. They don't value their customers.

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 2020-03-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I see multiple account, addresses and names on my credit report that I have NEVER opened, this inaccurate reporting is hindering me from being able to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief