vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Penn Credit Corp showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
remove address the are not mine and accounts XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX   Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX   XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX need to add my correct address and experian XXXX  only. brains of the 3

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
company continues to provide incorrect information even after being shown the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX CREDIT XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America is unfairly holding my funds in the amount of {$1300.00} in retaliation for a previous claim I filed against them. I had my account closed which was also retaliation. I received funds from the XXXX  for a XXXX  that I XXXX  and XXXX  that came in my name which Bank of America at that time had no policy in place For whatsoever and my loan officer from the XXXX told me this himself in fact he explained to me that receiving a grant or loan from the XXXX could be for a multitude of reasons including but not limited to research and development so it would not matter if I used a business account or not to receive those funds as long as I am the personal guarantor as per XXXX  policy. Bank of America and XXXX XXXX ( Bank Manager XXXX XXXX XXXX, XXXX Il ) did not want to honor those terms so I filed complaints with the attorney general, cfpb, fdic and other respective entities and he and his boss ( XXXX ) quickly obliged and released my funds because they knew they didnt have a policy in place but later retaliated by closing my account and now holding my funds. They are now stating after they released the funds to me months ago that I must provide documentation for my business to receive my funds which is most likely from a policy that they adopted after my interaction with them. This is discrimination, retaliatory and egregious at a minimum and I demand my funds be released to me without delay. I filed a claim with Bank of America XXXX XXXX XXXX XXXX was my point person from there resolution department but he never got back to me at all after I left several voicemails. This is a conspiracy to inconvenience me and I intend to seek legal representation and damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have a Cash App account that I tried to transfer {$170.00} from Cash App to my bank. Unfortunately, I typed in the wrong password, so I wanted to create a new password. Cash App stated that I needed to send information to show proof of my identity. I did exactly what they asked me to do. They continued to give me the runarounds, sending an auto-text of needing the information. I'm a college student I got frustrated because I was getting nowhere with them. To make matters worse you can only communicate through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX Credit Card Commenity Capital Bank sold a debt that was not valid to XXXX XXXX. Commenity Capital sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g. 

The debt is not valid. Commenity knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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:
CREDENCE RESOURCE MANAGE Account XXXX CREDIT XXXX BANK Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX RESURGENT/LVNV FUNDING Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX SCENIC HWY XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX SCENIC HWY XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX SCENIC HWY # XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX FAIRLANE CT XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Allied International Credit Corp., (US)
State: CA

Complaint narrative:
On XX/XX/2020, I received a Collection letter from AIC - XXXX XXXX XXXX XXXX demanding payment for {$260.00} for an overdue XXXX payment. I have never had an XXXX  account and the demand is fraudulent. After researching the company I've found that they have been sending these fraudulent XXXX demand letters to many seniors in the state of california and throughout the US. This demand letter was sent to my 2nd address at XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX Ca. XXXX ) where I recently ordered contact lenses on line - so the personal info is probably shared from another consumer site. I have reported this to XXXX  ( on line ), to the Federal Trade Commission Fraud division and to the Atty General in the state of California. There are several complaints of fraudulent attempts to collect money by this company on the ebay site but ebay has not addressed the issue. I would like this company to be fined, prosecuted to the fullest extent of the law and prohibited from sending fraudulent demand letters. They also have a Pennsylvania address at : XXXX XXXX XXXX, XXXX XXXX XXXX, but no web presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I used to have an American Express delta sky miles credit card which was cancelled by AMEX on XXXX XX/XX/2020 without letting me know the reason behind the cancellation. I had reached out to them several times regarding this matter, but they never gave me an answer on why my card was cancelled. Prior to account cancellation in XX/XX/2020, I owed {$270.00} which I refused to pay AMEX until they told me the reason for why my card was cancelled. I had stated that I will pay the amount only if they told me the reason. All I got from them is to contact different departments each time I called. They were just passing the ball all around the company. They started charging me late fees and interest on that {$270.00} balance from XXXX onwards and later moved it to collections for not paying and today the balance is {$500.00} as of XX/XX/2020. Now, this has affected my credit score tremendously. No bank can cancel a card without letting the consumer know the reason behind this. I want this fixed. I will pay the balance of {$270.00} that I owed for purchases I made, but I want AMEX to waive all the late fees and interest they charged me and also take this off my credit report as they cancelled my card without telling me the reason behind that. I have attached the cancellation notice they sent me on XXXX XXXX and it has no reasoning. Also, I never received any letter in the mail stating the cancellation reason. 

I don't have the card with me anymore. This is regarding Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi cards emailed me and stated that my credit limit was decreased because I have another Citi card that was not being paid. I contacted Citi because I do not have another Citi card that was not being paid and wanted to know what information was being relied upon. The representative informed me that he could not provide me a copy of the documentation that was referred to in the XX/XX/2020 email, but he can file a request for reconsideration. I also spoke with the fraud department at Citi. The fraud representative indicated that they did not have any record of me having another Citi account or any Citi balances that were not being paid or past due. 

I explained that my reason for the dispute was because I believe that Citi was engaging in a practice of predatory lending and was intentionally lowering my credit limit to adversely impact me. I pay five times the minimum payment due on the account and the account is current and scheduled to be paid off in less than a year. I have  checked with XXXX  and I do not have a Citi card reporting that is not being paid or slowly being paid. I called today to follow up on why this was done and was told by the representative that my limit was decreased because my credit cards were past due. I informed her that this information is not correct and my accounts were not past due. I checked my credit report again to confirm that the representations to me are not correct. She then states that I was sent a letter by mail ( even though I specifically enrolled in only electronic communications ) that states that my balance was lowered because I have other debts. I am not sure why this is any indication of my ability to pay this account. Actually there is no reasonable way to assume that I am struggling to pay this account or any other account because I pay significantly more than the minimum payment due and pay all my bills are current. The representative again stated that she could not provide me a copy of this letter or any documentation that is being relied upon. 

I wholeheartedly believe that this unilateral and arbitrary decision was made to adversely effect my credit. This changed my account from having {$1000.00} in available credit to only {$200.00} in available credit and updates my credit report to show that this card is maxed out. I have not been provided any proof that this action was taken for a legitimate reason despite numerous attempts to obtain documentation that shows there was a legitimate, non-predatory, or discriminatory reason for this action. 

I have not used this card since I first received it and there is no reason to believe that I am incapable of paying the card. Especially since it will be paid off during the promotion interest period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: Credit Plus Inc
State: TX

Complaint narrative:
remove address the are not mine and accounts XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated XX/XX/XXXX Credit Limit XXXX XXXX XXXX XXXX   XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$25000.00} Balance Updated XX/XX/XXXX Credit Limit {$25000.00} Monthly Payment - Past Due Amount {$25000.00} Highest Balance - inquires not mine address not mine XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX  need to add my correct address and XXXX  XXXX  only. brains of the 3

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I originally signed up for services with XXXX XXXX XXXX for which they indicated that I would be receiving internet with the bundled services. I was later informed that they could not provide the service and that they would be contracting that portion out. I told them if that was the case I did not want to move forward with the activation and they said okay. Now there is a collection with IC Systems for internet service for which XXXX XXXX XXXX never provided. I went with a different internet 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 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MD

Complaint narrative:
I refinanced my loan in XXXX with Cardinal Financial Company, LP. Since XXXX, I have requested via phone ( 5 times ), email ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) and secure message via their website ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) payment via escrow of my Home Owner 's Insurance. Also, in XXXX, I provided my new loan information to the Home Owner 's Insurance company to resubmit the bill to Cardinal Financial. 

Each time I call, I am on hold for 45+ minutes and the call either disconnects or I am asked to leave a message to which I never receive a response. 

I have received a notice from the mortgage service company of a delinquent status in my obligation to secure and maintain adequate home owner 's insurance. The notice also indicated if this was not rectified that the service company would purchase home owner 's insurance on my behalf. 

I am unsure as to how to resolve this given their extreme lack of responsiveness. 

I am concerned of this lapse in coverage and my inability to resolve this issue despite multiple, proactive steps on my part. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TN

Complaint narrative:
All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, XXXX  took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX  XXXX  and XXXXXXXX XXXX XXXX  that also should be deleted for unlawfully verifying entries that they know to be false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 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: TN

Complaint narrative:
All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, Equifax took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX that also should be deleted for unlawfully verifying entries that they know to be false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MA

Complaint narrative:
To whom it my concern, I am issuing a formal complaint about CMG. I was transferred to CMG Mortgage in XXXX when I refinanced. I made a payment for my XXXX mortgage on the XXXX of XXXX and my XXXX mortgage on XX/XX/XXXX. See below. These proof of payment have been provided to CMG at least 4 times by me - and faxed by XXXX XXXX XXXX. I have been calling since XX/XX/20 with proof. 

I have called and provided proof of payment. I have emailed and provided proof of payment. I have called back again to confirm proof of payment. XXXX  XXXX XXXX has faxed the payment proof. 

CMG continues to send negative reporting on me to the credit agencies which is unwarranted. I have been on the phone for hours with CMG trying to speak with a supervisor and clear my credit. No one will help me. I keep being put off, but on hold and refused when requesting a supervisor. 

For CMG to destroy the credit of someone who has paid on time, when proof and communication is present, is horrifying.

CMG is unfairly trying to destroy my credit. This is completely unwarranted and unfair. I have paid on time. I have spent hours making calls, going through the proof of payment - and its the same story every time - no one will provide me written proof that this is in process and payments have been confirmed sent or honoring my requests to begin clearing the erroneous dings you placed on my credit. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation