vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have reached out to PennyMac to let them know they were reporting incorrect payment for XX/XX/XXXX. They stated that they would update the credit bureaus to reflect no late payment for XX/XX/XXXX. I decided to check my reports due to an alert indicating PennyMac being reinvestigated, only to find out that PennyMac has made the dispute worst by continuously report incorrect information to both XXXX and XXXX. I contacted both agencies and this is what they said to me : " XXXX stated that they received an electronic notification back from PennyMac indicating a 30-day late payment for XX/XX/XXXX is correct. XXXX  stated that they received an electronic notification from PennyMac indicating a 60-day late payment for XX/XX/XXXX is correct but they did not provide any actual or physical supporting documentation to support their claim but stating account has been 30 to 60 day late and verified payment for XXXX is correct. '' PennyMac has sent me documents to show that I was never late in XX/XX/XXXX, yet they are still reporting to the above credit bureaus that I am. I have sent those same documents to both credit bureaus to correct the XX/XX/XXXX payment to reflect Ok- paid as agreed. They will not change it because they said it's the creditor ( PennyMac ) responsibility to make the change. Per the Fair Credit Report Act, the creditor & credit bureau must report accurate and verifiable information. In this case, they both are clearly in violation of the FCRA Law and they have caused major damaged to my credit rating and score since XX/XX/XXXX to current. 

Facts : Home was sold on XX/XX/XXXX and PennyMac received full payoff as of XX/XX/XXXX. So, how can I be 30 or 60 days late for XX/XX/XXXX when they received full payment on the loan with the documents attached. By the way, 30 days late does not start until XX/XX/XXXX, and loan was paid off on XXXX than 30 or 60 days late? The fact of the matter is, they are reporting incorrect lates against me for XX/XX/XXXX with XXXX and XXXX. If this is not corrected in a timely matter, I will be seeking legal counsel for damages. 

Enclosures : XXXX  Credit Report for PennyMac XXXX Credit Report for PennyMac PennyMac XX/XX/XXXX History to prove I was never late in XX/XX/XXXX Closing Disclosure dated XX/XX/XXXX from the sale of the home Escrow Refund Check dated XX/XX/XXXX P.S. How can I be 30 to 60 days late for XX/XX/XXXX when the loan closed on XX/XX/XXXX and the Cancellation Of Deed To Secure Debt dated XX/XX/XXXX does not constitute a late payment when PennyMac received all funds on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX I filed a dispute with XXXX and XXXX about me not having any knowledge of account with Macy's/DSNB, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this 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 explanation
Consumer complaint received 2019-09-22 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: NC

Complaint narrative:
I have filed multiple disputes with Equifax about a fraudulent bank raptly that is reporting on my credit report I have sent in a police report and FTC report. All I ever get is disrespectful people on the phone not willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.

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 2019-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX I filed a dispute with XXXX  and XXXX about me not having any knowledge of account with XXXX, I received the outcome from the dispute stating that the account is valid. I have been a victim of identity theft going back to XXXX, and the statement I issued to each and every credit bureau seemed to have been ignored and credit was issued under my identity. I have submitted several police reports and I also filed an complaint with the federal trade commission about this matter and the credit bureau and/or company have not did its jobs as to investigating my concern throughly and removing the item til this 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 explanation
Consumer complaint received 2019-09-22 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Citibank, has ruined my " excellent credit, '' over one late payment in over 18 years with them. I have asked them to re-look at my entire record and they refuse. How can a Credit Card Company ruin an " excellent paying customer ', with one late payment over 18 years of " on time payments, '' most with payment in full? In my opinion, the credit card Citibank is acting as a XXXX to a long term customer. 

Please assist me in exposing this Consumer Abuse to the public. I am also a XXXX XXXX XXXX, Veteran. 

Thank you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Please do not accept their response without looking at all the documents. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Ratchford, P.C
State: PA

Complaint narrative:
This is a credit card debt that is from 2014. The creditor is XXXX XXXX. I was laid off in XXXX of 2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now XXXX refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX  attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CRA did not respond to method of verification request letter and or delete unverified public records on credit report within 15 business days as required.

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 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
This is a credit card debt that is from XX/XX/2014. The creditor is Barclays Bank. I was laid off in XX/XX/2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now Barclays refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.

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 2019-09-23 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX At XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2019-09-22 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: CA

Complaint narrative:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 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: CA

Complaint narrative:
Someone Stole my identity. I don't Know how they did it But Please help fix this Situation thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX I went to an XXXX XXXX in XXXX, NC. I chose this particular facility because I knew that it would be covered 100 % by my medical insurance. When I spoke about the services I'd be receiving, they told me that my insurance would cover ALL of it and I would not have to pay for anything. Around XX/XX/XXXX, I received a bill from XXXX XXXX that stated I owed {$790.00} for service that was rendered on XX/XX/XXXX ... .I did not go to this or any other XXXX XXXX facility on this day, as I was at work from XXXX. When I called the facility in XXXX, I asked them why I was sent a bill, the person I spoke with stated that I didn't owe anything. A month later, I received another bill for the same amount of {$790.00}. Once again I called and asked why I owed anything since I was told that my medical insurance company covered everything. Once again, I was told I didn't owe anything. Around XXXX of XXXX, I received a bill from Bull City Financial ... a collection company. I was placed in collections for {$790.00} that I don't owe to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 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: NY

Complaint narrative:
For the past 6 months, I have been paying down my debt quickly and I have not been late with any payments for a long time nor do I have any delinquencies. Naturally, my credit score went up with all three bureaus from XXXX to XXXX. 

To my dismay, a couple of weeks ago my score with Equifax dropped 26 points on XX/XX/XXXX, I called them to ask why because i am current with all my accounts and I had nothing delinquent or fraudulent on my credit report. I called twice and they failed to explain anything to me claiming that they could not access my credit report. I also can not get in touch with anyone in the United States, only call center seems to be in the XXXX which sketchy. I also filed a dispute with Equifax about this. 

On XX/XX/XXXX I get another alert that my credit score has dropped again with Equifax for another 15 points and I am very upset and angry. I looked at my report and saw all these disputes and removed remarks and so on. I did not authorize any of that activity. I called Equifax and spoke to a XXXX man who accessed my credit report but did not do a good job explaining to me what happened. I was getting frustrated and kept asking him to explain to me in a different way but he proceeded to repeat himself as a robot would. He claimed that I filed disputes against all of my creditors and I told him I did not. He accused me of lying after I told him that this was fraudulent activity. As I mentioned in the prior paragraph, I told him that the only dispute I filed was with Equifax a couple of weeks ago when they dropped my score 26 points for no apparent reason! Eventually, he just hung up on me. 

This seems very unfair, I have a right to know whey Equifax is messing with my credit score and messing with my life. There is no apparent reason for them to drop my credit score nearly 41 points in less than a month! 

You should also know that this score drop only happened with Equifax, my score with XXXX  and XXXX is in the XXXX and now Equifax is in the XXXX again. I suspect fraud and wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was a victim of identity theft. an American express credit card was open under my name. when I called AMEX to resolve this issue, or try to have it removed from my credit history, they told me that I wouldn't be able to dispute this issue because there were payments made to this credit card from a XXXX XXXX bank acct, which I do not have. the person who opened this credit card probably made payments from his/her personal account various times which is their reasoning for why I can not dispute this issue anymore although these payments were made years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I've noticed that a debt of {$280.00} is on my credit as a collection. Apparently it's been on there for almost 3yrs now. I've tried disputing this before, as I have no idea where it's coming from. I recognize the company that has put me collection, but that debt was paid in XX/XX/2015 when I moved to my new address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
After sending a " request for validation '' letter to Automated Collection Services Inc. 
XXXX XXXX XXXX. XXXX, TN XXXX in XXXX of 2019, I received back a letter from XXXX XXXX XXXX that have 3 separate letters with 3 separate accounts attached that I received back on XX/XX/2019. Also along with the letters are attached copies of my medical records. However, none of the letters have any form of my signature that is required to " validate '' the requested debt. 
Furthermore, according to the FCRA ( Fair Credit Reporting Act ) Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the originally signed consumer contract-any and all accounts for your credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

Unless receiving a signed document with my signature, this company is currently in violation of my HIPPA rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2019 purchased an item from XXXX XXXX and the item was not as disclosed upon delivery. What i ordered was not what was delivered. I opened a dispute through XXXX and no response without proper notification about the dispute, and did not provide a remedy or a resolve. Then I opened a dispute through JP Morgan Chase, which is the bank that was used for the purchase through XXXX XXXX, and they also provided no resolution.

Company response to consumer: Closed with explanation