vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-08 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: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC
State: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PMAB LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PMAB LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was on auto pay for the full balance on my Nordstrom account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XX/XX/XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XX/XX/XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XX/XX/XXXX. I notified Nordstrom and they are refusing to correct the situation and report the proper information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX I was sent by mail this notice from Jefferson Capital system LLC on  XX/XX/2019. Which arrived to me on XX/XX/2019 them amount is in the sum of {$150.00} but has been reduced to an offer of {$93.00}. On that day of XX/XX/2019 I have contacted there customer service department and explained to them that the XXXX XXXX XXXX in question was paid off and the account has been closed. For well over 10 years and not been sent any notices of payment from Jefferson Capital. during that time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation
State: NC

Complaint narrative:
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1

681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) Th
e repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2019 I deposited a mobile check in the amount of XXXX with the authroization of my grandmother ( she signed the check over to me and lives at the same address as I do ). Citibank accepted the check and processed a XXXX dollar credit. Every month I receive a check from my employer in the amount of XXXX. However, they are refusing to process the check any further and have locked my account completely. I keep on being told the check is under review and there is no resolution. The check is from a local dealership issued through their bank XXXX XXXX. The dealership has recently changed hands, however, and banks as well, which means a new check can not be issued and their is not an option for a stop payment. There is not a branch in the state for my bank where my grandmother can present her ID and resolve this ( another option presented ). There are only commercial offices for Citibank.

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 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a USPS money order in the amount of {$700.00}. I made the deposit to my account at the Bank of America ATM. A receipt was produced stating there is a 8 day hold ( 6 business days ). When I inquired, I was told that they have to verify that it is real. 

Bank of America can give me no better reason than that. I thought that the Availability of Funds Act stated that USPS money orders should be available the next business day.

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 2019-04-09 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
THIS INQUIRE IS SHOWING ON ALL CREDIT BUREAUS SUCH XXXX, XXXX, AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: VA

Complaint narrative:
Hello, I am enrolled in the Public Loan Forgiveness Program with XXXX XXXX. Two years ago they miscalculated the number of qualifying payments that I have made to date and thus are stating that I still need to complete over 5 years of monthly payments to qualify for loan forgiveness. They suddenly changed the time left until forgiveness one day out of the blue. I have called them over 10 times in the last 2 years requesting that they recount my loan payments since I should only owe 3 years until loan forgiveness. Every time I call they continue to say that a manual recount can take months but again it has been over 2 years now and it still hasn't been completed. I finally got them to mail me all of my payment information so I could confirm how many payments I have completed on my mine and again I owe only 3 years and not 5 years. I like 2 years is an incredibly long time to not recount my payments and correct my date of loan forgiveness. Any assistance that you may be able to offer would be appreciated. 

Thank you! 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I looked up my credit score on XXXX XXXX and on XXXX it says I have a SYNC/XXXX XXXX XXXX I had never applied too. And i think it might be lowering my credit score. Today is XX/XX/19

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 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Called me after XXXX XXXX on my company phone. 
Stated verbal " do not call '' lasts 7 days. 

Told them to just subpoena me at court and they stated they will continue to call. 

I want to never be called by these sharks ever again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was on auto pay for the full balance on my XXXX account as the card was only used sporadically. I then began using the card and switched to the minimum payment for the XX/XX/2019 payment. However, they attempted to take out the full payment against my request. The payment account was linked to a checking account that was no longer my primary account and therefore came back insufficient funds. I went on their website again and changed to the minimum payment and paid a {$200.00} payment. Subsequently, I went on their website and it showed no back due payments. In XXXX, they again tried to take out the full payment against my settings and request. I once again logged into their website changed it to the minimum payment and made another {$200.00} payment. I then had to log in again and make the change to the minimum payment for a third time. It's bad enough that they kept trying to take out the incorrect amount against my stated requests. However, it turns out that they failed to process the {$200.00} payment in XXXX and are reporting me 30 days late. They did not call, mail, or email me on a payment issue and their website showed that I was on time in XXXX. I notified XXXX and they are refusing to correct the situation and report the proper information to the credit bureaus.

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 2019-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
On my credit report, I have 2 medical bills that were reported to the collections account named " ALLIANCE COLLECTION AG ''. The 1st one was from original creditor " XXXX XXXX XXXX XXXX '' for the amount of {$360.00} ( opened XX/XX/XXXX ) and was sent to collections and reported on XX/XX/XXXX. The 2nd was from original creditor " XXXX XXXX XXXX '' for the amount of {$75.00} ( opened XX/XX/XXXX ), also sent to collections and reported on XX/XX/XXXX. After reviewing my credit report, I IMMEDIATELY took action and called Alliance Collection Agency to make full payment and resolve the collections. We had worked out a deal and agreed that they would remove them once paid, and they have failed to fulfill their side. I paid BOTH of the collection amounts in FULL within 48 hours. It is crucial to have these removed from my credit report because it is prohibiting me from getting funding. As I have fulfilled my part of the deal and fully paid off my accounts, I would like the collections immediately removed from my credit report, as they have failed to do so.

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 2019-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Services, Inc.
State: OH

Complaint narrative:
NCS National Credit Service is attempting to try to collect a debt that has been deleted from my credit report. XXXX XXXX  XXXX XXXX account number # XXXX has been deleted from my credit report. The original Lender was XXXX XXXX and that was also deleted from my credit report. My consumer rights have been violated and I do not want this debt to continue to be sold when it has been deleted from my credit report. XXXX is attempting to try to collect on the same debt. Navient former name is XXXX XXXX and the XXXX XXXX debt has been deleted from my credit report. XXXX is claiming that I owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I XXXX XXXX am trying to get out of a huge amount of debt without filing for bankruptcy. I have requested a cease and desist from constant calls and email 's from Capital One on two accounts that amount to {$1700.00} in debt. The accounts are near charge off standards at 120 days late. Therefore, I respectfully request any settlement offers to come to me through my email address, or by regular mail. I will do everything I can to settle my bills and avoid bankruptcy, but I will file bankruptcy if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
UNKNOWN INQUIRE ON XXXX  AND XXXX XXXX DATE XX/XX/2018 NAME. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Since XX/XX/2019 we have been trying to get SunTrust Mortgage to release our insurance funds from Hurricane Michael. After weekly calls we are continuing to get different stories and different instructions. They have stalled to the point we are paying our contractors out of our pocket. To date this amount is close to {$50000.00}. We have submitted checks that clearly show the out of pocket expenses and still no reimbursement. First they said schedule a Inspection so we did. After 2 weeks we called back to find out when inspectors were coming to be a told the Inspection had been canceled due to not being able to contact us. They rescheduled Inspection and a week later we called to find out it was again canceled. At this point after checking both of our phones I responded I would go to XXXX to pull our phone records and prove fraud on their part. A lady contacted me the next day for Inspection. The following day the lady showed up with her children along to do Inspection. This was almost 2 weeks ago. The day after the Inspection we received an email stating the inspector had canceled the Inspection. Even though the Inspection had been completed the day before.

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 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: OH

Complaint narrative:
I am asking that mrs bpo llc document materials forwarded to XXXX XXXX, XXXX, XXXX  for me, mrs bpo llc as concerns the unsubstantiated account number. Since as error may be present within that information, I respectfully demand that you transmit this documentation quickly. Also please supplement with materials which verify that the account was established legally. I do not want just a cursory account history. Instead, I have requisitioned a detailed verification. If you can not meet these reasonable requests during the month following receipt, account summaries transmitted by mrs bpo llc to the three consumer reporting agencies must be considered false and may bespeak a statutory violation. In that case.you must erase that bureau without delay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 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: AZ

Complaint narrative:
The following account and credit inquiries listed on my Experian credit report are fraudulent, unauthorized, not mine and dont belong to me : Delinquent XXXX/XXXX XXXX : XXXX, {$360.00}, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
Received a letter from Mercantiile Adjustment Bureau, placed into collections from XXXX XXXX XXXX. 

Retained attorney and in the process of filing BK. Cease and desist

Company response to consumer: Closed with explanation