vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Payment Info Original loan amount {$470.00} Balance {$470.00} Updated on XX/XX/2018 2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: IN

Complaint narrative:
All three major credit bureaus XXXX, XXXX and Experian have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. 

My wish is for the Federal Trade Commission and Consumer Financial Protection Bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the Federal Trade Commission and Consumer Financial Protection Bureau for protecting her/his Personal, Family, and Household. 

This consumer is putting XXXX, XXXX and Experian on notice of the value of this consumers personal data and signature and is warranted damages in the amount of XXXX XXXX dollars. 

Take Note : All XXXX XXXX XXXX ( XXXX XXXX XXXX ) Personal Information and Signatures hold a required value of XXXX XXXX dollars ( XXXX ), per incident ( request ) 15 USC 1692 ( A ) ( 4 ). Violations found may be cause for indictment/ penalties for Violation of Rights, Trademark/Copyright Infringement, Fraud, and Estate Embezzlement , etc for all parties involved. 
ACCORDING TO 15 USC1692 ( A ) 4 I XXXX XXXX I AM THE ORIGINAL CREDITOR-IN-FACT/ALL PERSONAL DATA AND SIGNATURES HOLD AN UNLIMITED VALUE/SO CALLED CREDITORS LISTED ARE DEBTORS IN FACT/XXXX/XXXX/EXPERIAN DOES NOT HAVE MY EXPRESSED CONSENT TO MY EXPRESS WRITTEN CONSENT TO FURNISH MY DATA.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This company has erroneous information listed on my credit bureau reports. They continue to list two of the same account numbers, both with incorrect information. This issue was disputed on XX/XX/XXXX and XX/XX/XXXX. The company never sent me proof or validation for this debt that is listed twice for two totally different amounts. The account was included in bankruptcy on XX/XX/XXXX. The date son the accounts are completely different dates. Nothing is matching or coinciding with one another. Partial payments was made to this account three times until XX/XX/XXXX when I realized this account was included in a bankruptcy. I gave money to a debt with no validation sent to me and incorrect information being reported on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received a print out of alleged debt by lvnv funding I sent them debt validation methods on XX/XX/2019 by certified mail and they failed to send adequate proof of my legal obligation to pay a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. 
Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name SYNCB/GAP Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Status Updated 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 2019-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I just filed a few minutes ago about the same company. I didn't realize they already took payment for one of my accounts for the XXXX and another for the XXXX in the amount of {$30.00} when they already took {$110.00} out my account to catch up past due balance.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I have recently applied for credit twice and both times I have been denied due a public record recording on my file. My most recent denial states the only reason I was denied credit from XXXX was * A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. I have submitted a letter to XXXX in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report ( s ). This bankruptcy just recently appeared on my credit report within the last year. XXXX  shows on their report they are obtaining their information from a 3rd party Consumer company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Since of XX/XX/XXXX i have been trying to ASSUME my father 's mortgage after he pass away. 
Mr. cooper restricting me from to instead trying to sell my father home against the law I have the right to assume the mortgage loan under XXXX XXXX and this Agency rules saids I do under the new regulation since of XXXX. 
I have given Mr. Cooper all the proof I need to show Im a heir beneficiary and they say they need more proof now say they need a will when I gave them the probate documents Im the heir and beneficiary and death certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I have disputed this debt twice and this company fails to provide me with proof in writing that this debt belongs to me. I have not had a contract with XXXX, who is the original creditor, since 2008. I have a right to obtain tangible proof which I have not received and this is really hurting my credit.

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I need help I keep getting in accurate reports from XXXX XXXX. com and need help clearing my credit history reports hard and soft because there is a lot that is incorrect

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 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is incorrect

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 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
My Reports A mess and there credit companies say I owe them but I dont

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi Premier credit card in XX/XX/2019, using a sign-up bonus of receiving XXXX " Thank You Points '' ( TYP ) after spending {$4000.00} in 3 months. About 2 months after started using the card, I contacted Citi bank using the messaging feature in its mobile app to confirm the remaining amount I had to spend to get the bonus. It was at the time I realized there was a mistake and the bonus offer attached to my account was " receiving XXXX TYP after spending {$4000.00} in 3 months. '' I mentioned this to the representative and was told to contact the Thank You Points ( TYP ) department. 
I followed up with TYP department, and I was told that since the then current public promotion offer for the Citi PRemier card is indeed " receiving XXXX TYP after speding {$4000.00} in 3 months '', they changed the offer attached to my account. I was told to follow up once I completed the spending requirement so they can make sure the correct ( XXXX ) TYP is deposited to my account. 
I contacted the TYP department after finished spending {$4000.00} but only received XXXX TYP. I was told that they will escalate this and manually adjust to add the XXXX TYP to my account. 
I contacted the TYP department yet again in XXXX after still not seeing the extra XXXX TYP. I was then told that the review was declined because I contacted Citi bank more than 3 months of opening the account ( which is 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 2019-10-29 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: NY

Complaint narrative:
I have been trying to rectify a blemish on my credit report for over one year. XXXX XXXX XXXX has re-aged an account and it is causing my credit score to be significantly lower than it should be. I have contacted all three credit reporting agencies and all except Transunion have agreed to remove the erroneous information. I have submitted information proving that they have incorrect information. My request have been ignored and they are stating that all accounts have been verified as correct.

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 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
1 ) The mortgage servicer PHH Mortgage has accepted and confirmed the submission and that the file for XXXX XXXX was complete and no further documentation was needed or required on two occasions with PHH Mortgage. The 1st date of complete mortgage assistance package confirmation was XX/XX/2019 by Mr. XXXX ext. XXXX. The 2nd date was XX/XX/2019, which was confirmed by via phone conference with PHH Mortgage representative, XXXX ID # XXXX on XX/XX/2019. 

2 ) PHH Mortgage on XX/XX/2019 then states by verbal communication, that the file was not complete and still needed additional documents to be sent. This places Mr. XXXX review of mortgage assistance within 6 days of an unwarranted sale date that was put on record for XX/XX/2019. The sale date of XX/XX/2019 was put on record while the file was in review and final review. However more than the two dates mentioned above PHH Mortgage has stated the file being complete only to then, come back later and ask for more conditions, all while continuing the process and scheduling of a foreclosure date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: TX

Complaint narrative:
I was a victim of hacking and my bank card information was stolen and used on XX/XX/2019 to make charge to these businesses on line with the amounts shown on that date :. 
XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. {$62.00} 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. {$49.00} For a total of {$920.00} my figures could be incorrect but they are closer than US Direct Express Bank figures and I recovered {$430.00} on the XXXX of XXXX and that money was put back in my account I tried contacting that bank then but was unable to it seems they have an overload of calls nearly all the time. When I finally got in touch with them on the XXXX I filled a fraud claim and they wrote me back on that date with the attached Statement and on XX/XX/2019 I recieved another statement saying that my money had been refunded and my case was closed. The money they are talking about is not the money they were supposed to get back the money they are talking about is monies that was returned before I ever filled a fraud complaint with them and before I first contacted you people, when i talk to them all they do is make me mad because they lie to me or make me mad enough that I say something they don't like and hang up on me and yes they do lie.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
Yo whom it may concern Im having a financial hardship situation at this moment and my grandmother is sick and hospitalized in the hospital and need medication and a XXXX and I have to cover those expenses.due to my financial hardship situation I cant afford to pay the overdraft fee as Im struggling to pay for my grandmother medication and XXXX I would like to ask us bank to help me wave this fee as a courtesy as I cant afford to pay that fee over draft fee but I am able to deposit the negative balance amount to have my account back to current I was not aware that the person who I endorse the check would actually deposited yesterday and would cause me an overdraft fee usually when a check is deposited it takes from 1 to 3 business days to clear out but that check was endorsed since agust and just cashed out and affected me to be overdraft when Im struggling financially due to my grandmother health emergency situation. Please help.

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 2019-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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:
Medical bill is incorrect i have disputed it with the collection agency and they asked me to submit documents which I did and its under dispute, Experian keeps saying information is accurate when its not I have provided proof to both Experian and collection agency showing this is incorrect and this error needs to be taken off my credit report- collection agency keeps telling me to dispute it with the credit bureau XXXX I did 2 of them took it off expect Experian. Experian should Protect me from fraud and false information on my credit and they are not- when I asked them how does the dispute coming back as accurate they said we dont know ( I have disputed it 5 times ) I asked do you see any billing or anything showing this is accurate they said no ( recoded line ) If all other credit bureau removed it because it shows its NOT accurate why cant Experian? This needs to be removed and they need to do a better job investigating disputes by looking into actual bills and documents I have uploaded.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: RI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by me

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 2019-10-29 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: GA

Complaint narrative:
Information belongs to someone else account information is incorrect account statuses are incorrect personal information is incorrect old information reappears and never goes away inquiries were not approved by me

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX PNC bank withdrew {$340.00} from my checking account over a card dispute which was resolved. They took this money with no warning and pushed my account negative {$42.00} I have had three charges for less than {$20.00} each come through all of which caused and overdraft fee of {$36.00} each. I contacted PNC on XX/XX/XXXX as soon as I realized my account was negative and asked why they are allowed to withdraw money with no prior warning the response paraphrased was we are sending you a letter in the next 5 to 10 business days to inform you of this. I have just changed jobs and was depending on the money I earned to support my family and pay Bill 's I did not plan on giving PNC any of it. If I lost a despite then fine however a bank should not be allowed to withdraw money without and advance warming to the account holder

Company response to consumer: Closed with explanation