vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
This will be my 4th time filing a complaint against Pentagon Federal Credit Union for charging me their attorney fees XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX THE ATTORNEY IS NAME XXXX XXXX RULE BAR # XXXX this have been going on for quite some time and this will be my 4th request. The first report was filed on XXXX, XXXX, XXXX XXXX and XXXX. Because of the location of my home I am constantly being harass by the bank, builders and brokers to sale. I believe there is someone that work at the bank that is responsible for the harassments. I want it to stop. The fee that this attorney is requesting from my Chapter XXXX attorney for me being late on my XXXX Payment is {$290.00}. I just buried my mother XXXX, uncle XXXX and aunt XXXX all from COVID-1i9. I do not have any extra money to pay Pentagon Federal Credit Union. In addition to the fees when I go to the office in person each month to pay my mortgage the payment is made with a cashier check and deposit in my savings account. The payment sits and they do not transfer the payment to my mortgage because they want me to be late. I can only make my payment on the XXXX of each month and they were demanding the XXXX. I need help and I need them to STOP charging me additional fees that are unethical, If I am in a chapter XXXX how can I afford there attorney fees? When I call no one will speak to me on the phone because I am in a chapter XXXX. No one will help me not even the person that is assigned to help me. I have called no return call no answer. I've visited the office when making payments and no help! But they can charge me attorney fees. I honestly feel that the Bank Attorney, Chapter XXXX Attorney and the Chapter XXXX Trustee are all involved.

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 2021-05-24 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX ( was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Someone made a accout with my information and had money money tranfer to a America express bank and i was not get loads of money deposited but i reported but still never seen my XXXX from there.it been 10 days I need my money tranferred out that account to my unemployment XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
When the 2nd round of stimulus checks were deposited into my Wells Fargo account, I had a negative account, Wells Fargo took it upon themselves to " temporarily '' credit the negative account I was in. I had NO idea this was happening, and I actually would have preferred they didn't do this. On XX/XX/XXXX they decided it was time to pay themselves back the " temporary credit '' of {$320.00} with a days notice via email. If I wouldn't have deposited an estate check a day before ( which really wasn't that much ), that {$320.00} would have put me in the hole and they would have charged me another fee, that statement is per the operator I just talked to. I have been trying to get that money put back into my account and I set up payments and they refuse to do so. So I am out {$320.00} without notice during " trying times '' as they put it and they don't care. I am so frustrated, money is so tight right now and I am just out of that amount just like that. I will pay it back but I honestly can't in full but no one seems to care about the little guy, Wells Fargo is just " nope, sorry ''.

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 2021-05-24 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: FC HoldCo LLC
State: GA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX has continuously and falsely verified this alleged account. XXXX  have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board because XXXX is the only one reporting this alleged item.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt. 

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Purchased a XXXX dishwasher online on XX/XX/2021 and charged the purchase to my XXXX Shop Your Way credit card. 

Due to a delay with the manufacturer the dishwasher installed on XX/XX/2021. Upon testing it is observed the top tray is broken and rubs against the rubber seal. Instead of insisting to remove it from the residence, a call was placed to the installer. 

The same installer arrived with a replacement dishwasher on XX/XX/2021, and the replacement dishwasher had the same top broken tray defect. The old defective dishwasher left in the residence. 

A dispute filed submitted to Shop Your Way Mastercard on XX/XX/2021, for {$710.00}. 
XXXX ID XXXX is closed. No contact from XXXX, installer or anyone. Case closed with no resolution. 

Received a statement dated XX/XX/2021, with a statement balance of {$0.00} XXXX of {$710.00} posted on XX/XX/2021, from XX/XX/2021 Called XXXX XXXX XXXX XXXX multiple times in excess of XXXX XXXXXXXX  and not able to speak to anyone

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 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: NM

Complaint narrative:
I recently saw that a debt collector ( XXXX XXXX XXXX ) is reporting a debt of {$490.00} on my credit report. This debt is over 7 years old. I have not contacted the debt collector or made any commitment to pay this with them. This debt is from 2014. I contacted the original creditor ( XXXX XXXX XXXX ) And they stated " That they stopped collecting on their debts and have removed all negative marks from any and all of the credit bureaus a long time ago. This mark should not be on my credit report and is incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX an collections account from XXXX XXXX XXXX for XXXX appeared on my credit report. I have disputed this account with Experian multiple times once on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX every time it came back verified. How can it be verified when the information isnt accurate they have my first date of delinquency as XX/XX/XXXX but, the original creditor XXXX XXXX confirmed my first date of delinquency as XX/XX/XXXX. Even if you add 180 days from that date you still dont get XX/XX/XXXX witch means my rights were violated. So Im asking that the account be deleted three times the account came back verified but its inaccurate I never got any notice at all I had to go look and call for myself.

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 2021-05-24 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 received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with XXXX XXXX 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 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I'm requesting validation for Pursuant 1692g. 
I have not been provided with validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: WA

Complaint narrative:
DISCOVER CARD ISSUED ME A SECURE CARD, I DISPUTED A CHARGED OF XXXX from a unauthorized merchant, I also had a bunch of other unauthorized charges, but I also have some authorize charges, so instead of issuing me a new card, and stopping all unauthorized charges, Discover has allowed the merchants to continue to charge me so every month my balance due is overstated by the unauthorized charges, then if I make a payment to Discover on. Friday afternoon, the money disappears instantly from my checking acct, but it never shows up on Discover up until on next week on Wednesday, which is atrocious, yet I am trying to build my credit and have to accept this predatory lending, in addition, I used to have a Discover Card with my Domestic XXXX XXXX and apparently he also had a second card with his father since they co-mingle ss # and someway somehow is affecting me in getting credit, yet I am been penalized for inaccurate info everywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I had an account with XXXX that was closed in XX/XX/2019 because the service didn't work. I returned all equipment that I could return and then COVID took place so the bill for the service was left outstanding. Recently, I spoke to IC System who sent a letter and disputed the amount owed and advised that they need to verify the debt. A few days later they placed the debt on my credit report. I paid the amount owed for service which was {$330.00} and they are refusing to update the balance they are reporting on my credit report of {$770.00}. I called and spoke to XXXX XXXX at XXXX XXXX est, who stated they will not update the credit report or remove the collection until the balance is paid or I settle for an additional {$160.00}. I also asked him to verify the debit and look into the dispute I placed about not owing the full balance they are reporting. XXXX said they are not going to make any changes or updates until I process payment for more money even if I don't owe the balance. When I asked to speak to a manager he was refusing to place one on the phone until I said I will take legal action against them. He then transferred me to XXXX XXXX who was extremely disrespectful because I corrected him on how to pronounce my name correctly and because I asked him the name of the previous representative. XXXX then stated that he was not going to talk to me and proceeded to disconnect the call before I could state my case. They are illegally trying to collect on a debt that is not owed, reporting incorrect information to the credit bureaus, and I do not owe IC Systems any money as I have never signed any agreement with them so they should not be reporting anything to my credit reports.

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 2021-05-24 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX XXXX Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per 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 2021-05-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX XXXX was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide 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. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per 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 non-monetary relief
Consumer complaint received 2021-05-24 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation