vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: BARCLAYS BANK DELAWARE
State: NY

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 DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DEPT OF EDUCATION/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BARCLAYSBK Account Number : XXXX This is not mine.

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 2021-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Pursuant to Ally v, Alberta Haskins ended in a settlement due to same conduct of unfair debt collections practices pursuant to 1016.3 ( b ) ( 1 ) ( 2 ) ( i ) ( A ) ( B ) ( C ) ( D ) ( E ) ( F ) Ally Financial DBA Ally Bank Never used a clear and conspicuous notice Refused to send documentary evidence and validation and still repo a vehicle that was never in there possession i sent them, a UCC 11 Lien search and they never produce a valid lien Pursuant to 15 USC 44 and 31 USC 3733 ( l ) ( 5 ) XXXX XXXX XXXX XXXX is the only party on contract as Seller and Creditor They went Bankrupt and ally is trying to enforce a contract that doesn't exist Allegation ( s ) : Ally Financials repossession notices handed out to their banking clients did not meet the laws standards. Pursuant UCC 9 the promissory note was legal tender an acceptable form a payment through my signature that the original creditor was paid i never received an acknowledgement if a UCC was files im requesting the ally financial to provide the note and documentary evidence AFFIDAVIT OF XXXX XXXX ENCLOSED

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN, are reporting an account as delinquent that are pass the seven year reporting time as allowed under Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act, Section 609 a1A, EXPERIAN are required by federal law to verify through the physical verification of the original signed consumer contract and all accounts post on a 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 2021-11-03 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: CA

Complaint narrative:
Back on XX/XX/XXXX, I had called XXXX to close out my account which was a Pre Paid Cell Phone. I told the customer service representative I no longer needed this account since I opened up another new account with XXXX XXXX XXXX and it did not make any sense to have two cell phones. She understood and had told me since it was a pre paid account, I was not on any contract and I just needed to pay the final billing which was for the phone. She told me my final billing was for {$200.00} and reassured me that would close my account. I paid that amount with the rep over the phone ( recorded phone call conversation per their end ) with my XXXX visa debit card in full. I attached my bank statement showing proof of payment on that day for your review. A month later I received another bill showing my account was still open. I called XXXX and they said they were going to research my account and never got back to me. A few weeks later, I went to the store in person and spoke with a manager. I explained the situation and showed him my proof of payment and previous statement. He told me he could no longer pull up my account in the system because it was closed. He then made an attempt to contact another Dept which took over an hour because he kept getting the run around. Again, he told me the same story that he will get back with me but never did. Now its reported on my credit report. Last Friday, XX/XX/XXXX, I disputed it with XXXX and it was investigated and removed but Transunion said they conducted their investigation and said it was accurate information therefore left it on my report. This is obviously not accurate information and should be removed immediately on my transunion report. Can you please help me resolve this issue? Thank 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 2021-11-03 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I disputed my XXXX credit card with Equifax because they are reporting incorrect/inaccurate information! They are reporting all these late payments which is destroying my credit scores that I have worked so hard to improve. They are reporting 40 late payments! How is that even possible when on the actual chart they are reporting 3?! I have disputed and disputed with them and all I get back is we are reporting accurate information! Obviously your not! I have the proof right here! My next step is going to be getting a lawyer I am so tired of them just reporting whatever they want and telling me its accurate! This is my last stop before I contact my lawyer! I have worked way too hard for them to report whatever they want to! How do you have an account that has been charged off as of XXXX and is closed still reporting late payments as of XX/XX/XXXX? Makes no sense to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/2021, I received an email from Wells Fargo Bank N.A. with the subject line " Important XXXX XXXX XXXX XXXX  Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.

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 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had a Lane Bryant card issued by Comenity bank for quite a good amount of time, well due to inactivity they closed the account without notifying me before doing so. I was not aware that an account is closed for inactivity. Well anyway, I applied to have it re-opened resulting in a new inquiry, etc. I was given a card with a lessor balance, and made a minimal purchase to make sure the card had activity, so that the closure did not happen again as I was planning to purchase a new wardrobe for work. I made this purchase on XX/XX/2021 for {$10.00}. I was signed up for the web portal and paperless billing so I fully expected to see an email or statement come that payment was due, but I never received anything via email or via us postal mail, and I completely forgot about the small purchase I had made due to the craziness that was going on with being XXXX XXXX XXXX, and trying to keep income coming in and taking care of my child at the same time. It was 100 % an accident that this payment went late. I pulled my credit for receiving a pre-qualification for buying a home and saw a past due dink on my report from Lane Bryant... I immediately called and rectified the situation, paying the balance in full, and then they removed the late fee 's as they could see that the statements were not received or sent, I can not recall exactly what the representative on the phone said and mailed me a refund check. They explained that the representative could not remove the mark, but that I would need to send a letter and explaining what happened, and that I received a credit and asking to have the mark removed as a one time forgiveness as I had never had an issue making payment with my prior account, and due to the issues at the time. I did that and was denied, but wasn't given a reason other than the notation was accurate. I tried to dispute through the normal means with each of the 3 agencies and received the same result. I feel they are being petty over {$10.00} cents and that they need to also acknowledge that they did not get the bills to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, Midland Funding and XXXX Funding refuse to provide me with 30 day Payoff Letters so that my mortgage company can pay them what I owe them. 

Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mutual Financial Partners
State: TX

Complaint narrative:
On XX/XX/2021, I received a phone call from three employers XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX is our company 's receptionist, XXXX is our Payroll, XXXX is the Director for HR, and all thought that I was in trouble with the law, because XXXX XXXX who works for a debt collection agency called my job, my home, and text my phone, stating he worked for the XXXX XXXX Department and was on his way to pick me up. He left a number, and a case number, after telling my past financial business. Case # XXXX, Company 's telephone number XXXX. The main company name is Mutual which is all the receptionist gives when you call. Not only are we still in the midst of a pandemic, but because of this outbreak on yesterday, I immediately suffered a panic/anxiety attack, on the fact that my character is being defamed, and now my job could be in jeopardy because of the tactics he pulled, this is not the first time this company has done this, and I have reported to you guys before, I am now seeking an attorney, and we will prosecute not only XXXX, but the company he works for. I understand they are a debt collector, but the tactics he used is not warranted, nor appreciated, now because of him, I have to be reviewed, and visited the XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I've contacted Navient in the past about the amount of the student loan they claim I owe. I've never received the amount they claim I owe in education benefits, they can not produce a contract with my signature stating I agreed to that sad amount, recently I was informed Navient is transferring the student loan to XXXX, I never consented to this contract and I reserve all my rights concerning this matter, there was a lack of consideration based on the pretense that I owe this student loan. I never received the amount Navient claims I owe. I believe that is called fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AK

Complaint narrative:
I am requesting to see the proof that I am actually responsible for this debt. I have yet to see it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: NC

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 DP OF EDUC Account Number : XXXX  This is not mine.

2. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

3. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

4. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: BARCLAYS BANK DELAWARE
State: AR

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, two fraudulent charges were made to our Barclays credit card in the amounts of {$970.00} and {$860.00}. These two charges were to XXXX XXXX XXXX XXXX in XXXX, Texas. 
We immediately reported these charges to Barclays and they credited our account. New credit cards were issued. 
On XX/XX/XXXX, the two charges were again posted on our credit card account. We called Barclays and were informed that the merchant had verified our address and name with the credit card number so Barclays felt they were valid charges. We were told that we should reach out to XXXX XXXX & XXXX and were provided the phone number that Barclays had. 
We tried multiple times to call this " merchant '' during normal business hours and at night. The phone number goes to a voice mailbox that has not been set up and will not accept messages. We googled the address of the " merchant '' and found that it is a residential home in XXXX, Texas with no signs or indication of a business. The " merchant 's XXXX page had only 2 followers as of XX/XX/XXXX, and had not been updated since XXXX. Their XXXX page had 0 followers as of XX/XX/XXXX and does not have any activity or posts. 
We called the XXXX, Texas Police Department and were told that they know of no business in their town named XXXX XXXX XXXX XXXX XXXX. They advised us to file a police report with our local authorities, which we did. 
On XX/XX/XXXX, my wife spoke with a Barclays fraud department representative named XXXX & explained our frustration that Barclays had not investigated further. XXXX told her that the charges were for paint protection, headlight restoration, and auto glass replacement. She did not tell us what type vehicle the work was done on or provide any further information. She said we could file a claim to dispute again ( which we did ) but as far as they were concerned the charges were valid and the investigation was closed. 
We live in XXXX XXXX, Arkansas, which is 298 miles from XXXX Texas. We would not reasonably take a vehicle that far to do auto repair work. From our valid credit card charges on the same days, it is obvious that we were not in Texas at the time these purchases were made. 
We have never done business with any merchant named XXXX XXXX and XXXX in XXXX, Texas. From our own investigation, we feel this is not even a legitimate business. We regret that Barclays did not feel the need to further investigate these transactions.

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 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I sent a validation request letter to Cavalry Portfolio Services via certified mail in response of a letter revived by them on XX/XX/XXXX stating that I allegedly owe them a debt. They have received and signed the return receipt on XX/XX/2021. It was signed by XXXX XXXX. I clearly stated that my letter is a VALIDATION and NOT a VERIFICATION letter. After that, I received a letter from them stating they have reported the account to the credit as disputed as well as stating that the account is " verified '', although I clearly stated that I am requesting Validation not Verification. It is now Wednesday XX/XX/XXXX, more than 30 days later, they have NOT provided the validation I requested nor have they removed the debt collection from my credit report. This is a clear violation of the COLLECTION PRACTICES ACT. They have no right to go after me to collect debt from now on since they have failed to provide VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX, our bank account with B of A, was hacked for {$1000.00}. I filed a claim with bank. As of today XX/XX/2021, claim was denied, stated since account was nit maxed out and we had enough to cover transaction. This transaction happen doing our bed time over night. The company hacker was XXXX out of New York, we never heard of this company. Dont understand their investigation findings. Please help us.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX EQUIFAX, are reporting an account as delinquent that are pass the seven year reporting time as allowed under the Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. This account is more than seven year old.

According to the Fair Credit Reporting Act, Section 609 a1A, Equifax are required by federal law to verify, through the physical verification of the original signed consumer contract and all accounts they post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. 

I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. 

I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Smith, Cohen & Rosenberg LLC
State: NY

Complaint narrative:
We retained this collection company Smith Cohen Rosenberg LLC after they pursued and solicited us, not the other way around, for our law firm collections accounts receivables and client debts or bounced checks/chargebacks, etc. Not only did these people routinely settle debts without either notifying us or letting us know that offers were made, but they never sent us their contract for 33 % even though we asked them for this countless times. To make matters worse, they stopped communicating with us or updating us months ago, and when we politely inquired as to what was going on, they coldly and tersely informed us that they were canceling our services with no explanation, irresponsibly, unethically and criminally leaving our law firm in the dust, and now vulnerable to countersuits/litigation from these collected from clients, thus compounding our legal and financial problems.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation