vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IN

Complaint narrative:
ERC debt collection company is reporting this account to my credit report stating that spectrum has told me that I owe this debt. However this was a result of Identity Theft that has been tied to police report number XXXX in XXXX County Indiana. I have since completed the proper paperwork with spectrum for them to hand this account but I would like for this to be removed from my credit IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA

Complaint narrative:
Virtuoso Sourcing Group, a collections company working on behalf of XXXX agreed to settle my debt for 75 % of the amount owed ( settlement offer letter attached ).

The original amount owed was {$260.00}. As agreed, I paid {$190.00} via check on XX/XX/21 ( copy attached ). 

Yesterday, XX/XX/21, a new collections company - XXXX XXXX XXXX XXXX contacted me on behalf of XXXX attempting to collect the 25 % that was discounted. 

I called Virtuoso, they said they no longer have the file, because XXXX pulled it from them on XX/XX/21 but their records show that I still owe a balance. 

I called XXXX and was told that Virtuoso had the file and they did not have any record of the new collections company that called me. 

My call was transferred to 6 different associates within XXXX and Virtuoso over the course of 1 hour and no one was able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for XXXX now is Jefferson Capital

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM has constantly call my place of businessXXXX have call several of my family members threaten them, after I went through the proper channels of challenging all three credit bureau having successfully have this removed they keep placing this item back on my credit report, they are calling from different numbers showing bogus names

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE BANK USA XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A statement of last 10 transactions dated XX/XX/XXXX from my local Wells Fargo ATM shows a posted and available balance of XXXX and includes three overdraft fees on XX/XX/XXXX. An ATM statement of last 10 transactions dated the following day XX/XX/XXXX shows an available and posted balance of XXXX, but now with only two overdraft fees on XX/XX/XXXX and a credit of {$2.00} on XXXX so the balance should have been XXXX higher by the one {$35.00} overdraft fee that disappeared between XXXX and 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 2021-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was having trouble with PHH mortgage regarding my escrow account. My escrow account keep going into the negative because of my homestead tax credit that I received. I contacted PHH several times to get someone to do an escrow analysis on my account. They did at least 6 analysis but couldnt find the problem. My mortgage payment kept fluctuating because of the problem. I even received a overpayment check because they said that I had to much money in the account. They problem was finally found out in XXXX of 2020 and it was found that they were given me too much of an exemption. It took them over 2 years to find the problem. When PHH found the error they sold my loan to XXXX Mortgage because they didnt want to deal with the error. XXXX  mortgage contacted them on my behalf several times but was informed that since the loan was sold that its nothing that they could do. I had XXXX mortgage do several escrow analysis for me and the knee it was a problem but they couldnt get PHH Mortgage to cooperate. I ended up selling the house and I had to pay for the escrow account negative balance which is wrong. Now XXXX mortgage is giving me the run around because theyre paid in full. Now XXXX Mortgage is telling me its nothing they can do and the issue is with PHH mortgage. Im stuck between a rock and a hard place. I need someone to help me rectify this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
A line of credit was taken in my name by FRAUD on XX/XX/XXXX - The company Cash Net USA will not remove the account, they are saying its not fraud - I have asked for sign loan documents they won't provide. I filed a police report did everything they ask yet still they are pursing me for this money and harrassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander Consumer USA is actively engaged in abusive debt collection practices and inaccurate credit reporting against me. I have sent Santander several letters directly to resolve this matter amicably. Attached below is my most recent cease-and-desist letter and challenge letter which they received as the tracking number via USPS certified mail confirms. I ask the CFPB to ensure Santander Consumer USA deletes this account from my credit reports as it is in violation of federal laws under the FCRA and FDCPA. My attached letter outlines all the issues and violations. It is illegal for Santander to continue communicating with credit reporting agencies after receiving my cease-and-desist letter which is in there possession as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been unable to get my credit report, due to the credit bureus reporting incorrect personal information under my name and social security number. I have written to them to make this correction immediatly. Their should only be 1 name 1, social security number, and 1 address being reported on my personal credit report. I need them to fix and correct my report immediatley, so that I can access my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for Santander now is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: DISCOVER BANK
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... DISCOVERBANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX Sent and Received certified mail for Demand Debt Verification and Cease & Desist from reporting. I C System has flagged your account as Collections on XXXX XXXX XXXX XXXX I have not received any verification of debt or reply. Company violated the cease and desist by reporting to credit bureau with providing me written proof as requested.

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 2021-08-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens bank keeps taking small amounts from me without my authorization they think I dont notice and make me believe I am wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I filled out and mailed in the permanent opt-out for pre-approved credit cards. Capital One, which is the worst spammer out there, just sent me another one, ( I am attaching file ). I want the XXXX to stop. All it is doing is giving someone the chance to steal from my mail and open in my name. I have no interest, never have, and never will for a Capital One card. At this point they have so offended me by not following my wish to be left alone, that even if I want a credit card, I will get from anyone besides them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
GM Financial reported to credit agencies that I was late on my final payment of {$540.00} for lease account # XXXX. 

I did not fail to make these payments. The DEALER failed to make these payments. Please see the attached default letter in which the sales manager at XXXX XXXX XXXX XXXX XXXX writes : Please recognize this default letter as an effort to correct or remove any delinquent information on account number : XXXX, Mr. XXXX XXXX. 

Mr. XXXX grounded his lease in XXXX, fully understanding he would not be responsible for his last two payments in the amount of {$540.00}. He turned in his lease vehicle on the XXXX of XX/XX/2021. 

I failed to process the necessary documents through our accounting department, which caused the delay in paying off the lease. Attached you will find a copy of the payoff check that has been sent to settle the account. Please contact me in the event there is additional information needed to correct this account. 

My efforts to resolve this directly with GM Financial failed. Ten phone calls over a three-month period led me to an " accounts '' department that was reportedly obligated to respond to my written compliant within 30 days. They did not respond within 30 days. Therefore I am escalating my complaint with the CFPB. 

When XXXX customers are in the process of leasing a new vehicle, the dealer and GM Financial present a united front. That united front should continue even when the dealer makes a mistake like this.

Because I assumed as much, my credit score dropped from " Very Good '' to " Fair ''. I feel penalized for having faith in GM Financial 's business processes. They need to make this right and rescind the information they provided to credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
I was contacted by debt collector on XXXX by phone the name of frontline assets strategy about a debt they say I owe. I told him I need more information from you before we speak about this, he began to ask for personal information from me which I was not comfortable giving, he said I need personal information from u before we can discuss anything he then proceeded to tell me my address where I work and was persistent on saying he knows that is me, i believe his commments to me were Illegal or unethical communication tactics, also by telling me u clearly know about this debt and saying I can see on your credit report u have closed other accounts and etc. so this must be yours. He continued to ask to verify my self with social security number I told him I wasnt giving him that, I requested to send debt validation letter to the address they had on file he would never confirm he would do that. I told him to only contact me viva mail or email. I also sent them an email as well to send debt validation letter to address on XXXX, and XXXX to date as of XXXX I still have not received debt validation letter. They responded to my second email of request and said since I had denyed knowledge of this, which I never said, and they were sending me a fraud packet to fill out. I feel I have asked within fdcpa regulations to request a debt validation letter and I still have not received one. Oringal creditor was XXXXXXXX, XXXX XXXX and current creditor is XXXX XXXX XXXX. There current name of creditor is frontline assets strategy, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, mn XXXX. Any help in this would be greatly appreciated I have tried with them and have received nothing in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: GA

Complaint narrative:
Ask the company to verify this debt that I'm not aware of. Company sent letter and the name is incorrect of the city. I have no acknowledge or contract with either company

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 2021-08-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a bankuptcy removed from my file along with all other positive information on my credit report. On XX/XX/2021 this happened and despite the information being all very positive.my score dropped 23 points. ON XX/XX/2021 an agent told me an investigation was being started on why the score the dropped. I called for a status check today and was told there is no mechanism to dispute/investigate an unexplained score drop. They will tell you there were hard inquiries but those were all subsequent to the score drop.

Company response to consumer: Closed with explanation