vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
I have an account that does not belong to me from comenity bank. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX2020 ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. 
{$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
Hello, and i hope all is well. After reviewing many areas of the credit profile ; XXXX XXXX XXXX continues to placed paid credit debt, which surpasses the statute of limitations. With the incorrect reporting, these actions continue to deplete my credit score along with creditworthiness.

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 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. Credit Collection Services has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which continues to decrease my credit score  along with the creditworthiness

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FL

Complaint narrative:
There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
PennyMac Mortgage has {$3400.00} in excess Escrow which they received as a part of XXXX XXXX XXXX tax payment which has already been made. I have contacted them 5 times asking for sending me refund. They twice told me that Refund would be sent yet no refund is being sent. 

Last communication I had was on Friday XX/XX/2020 with their customer service manager/supervisor XXXX who also gave me her direct phone number XXXX X XXXX. She assured me that check for {$3400.00} will be sent on Tuesday XX/XX/2020 and she will personally follow up with me by giving me a phone call. 

NO CHECK HAS BEEN RECIEVED till today XX/XX/2020 and I have not heard from XXXX during since then. I have tried to call her 3 times and left voicemail each time with no response. Her number is correct but she or anyone from PennyMac doesn't call back. I am out {$3400.00} which they wouldn't refund

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: MI

Complaint narrative:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.

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 2020-10-22 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: MI

Complaint narrative:
I have a number of inquiries that do not apply to me on my Credit Report. I reached out to all 3 Credit Bureaus with a formal letter on XX/XX/2020 and I have not received any correspondence since then about the inquiries. I also sent a letter asking them to respond as they have 30 days to do so. I have a copy of the letters I sent on XX/XX/2020.

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 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Loan account XXXX I had a loan with Upgrade that I paid off yesterday. I was placed on a a hardship program. I have never missed a payment but I was reported to the credit agencies as missing a payment for XXXX, then XXXX and then XXXX all at separate times. I had to file disputes with the credit agencies 3 different times for 3 different months which caused me to lose a credit card and get another limit lowered. Upgrade each times admitted that is was their mistake. They just reported me again eventhough the XXXX is paid off. They were reluctant to connect me to a supervisor each of the times and XXXX returned my phone calls that I requested. My ability to do business has been crippled since XXXX because it take so long for them to update my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to Experian/XX/XX/XXXX/XX/XX/XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a 12 month CD with BMO Harris bank. the account was open online. no phone calls were made. no visit to bank. the funds were online transfered within seconds from XX/XX/XXXXto bmo harris bank. now the cd is mutured and they say i have to visit the branch in florida because they dont have a branch in new york. they say funds can not be transfered online.

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 2020-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX of 2020 my mortgage was up for refinance. There were delays getting it refinanced. The XXXX XXXX XXXX XXXX XXXX started showing in my credit bureau 120 days past due. I emailed the bank and was told repeatedly that once the refinance was done they would remove the 120 days past due. In XXXX 2020 I refinanced and was told it would take 30 days for the 120 days past duets be removed. It is XXXX XXXX, 2020 and its still 120 days past due. I file a dispute with trans union the beginning of XXXX and trans union says the bank says the information is correct. The bank says they reported back to trans union to remove it. Someone is lying. I need help because no one is interested in helping me raise my score.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian and XX/XX/XXXX on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.

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 2020-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial has repeatedly contacted my cell number even tthough I contacted them and demanded they stop calling, they continue to call my cell number. 
Each time I called to demand they stop calling I was rudely treated being laughed at and hung up on.

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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Back in XX/XX/2020, My HOA did NOT SEND the renewal of flood insurance to Flagstar and they force imposed a flood policy. I submitted the renewal and was assured that the mortgage was in good good standing and the imposed flood policy would be removed. Since then, my mortgage statements show me past due. I have called and talked with supervisors several times and they have promised to find out what is wrong, but no one has ever resolved it, nor has anyone called me back. I have made EVERY mortgage payment ON TIME through bill pay from my bank. I don't know how to get someone to resolve this. They just don't care. Now my credit could be affected. 

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 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXXXX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

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 2020-10-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Equifax/XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: NC

Complaint narrative:
XXXXI reached out to TransUnion to remove some UNAUTHORIZED inquiries. I mentioned to them that I have already contacted the creditors ( XX/XX/XXXX ) associated to such inquiries and they have none of my information on file. However, TransUnion will not remove these from my credit report. 
INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX ) XX/XX/XXXX( XX/XX/XXXX ) XX/XX/XXXX XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XX/XX/XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I have a total of {$240.00} in over the limit charges, late fees and rejected payments. I have funds on my payment account, I dont understand why there is rejected payments. 

XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX REJ PMT CH XXXX XX/XX/XXXX LATE CHRGE XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX XX/XX/XXXX OVR LMT CH XXXX I need to get charges waived from the 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 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND FUNDING ( MCM # XXXX ) CONTINUE VIOLATED " FDCPA/ FCBA '' WITH HARRASSMENT, THREATS AND DEMAND NOTICE FOR PAYMENT OF ID FRAUD ACCOUNT NOT MINES, ACCOUINT OUTDATED PAST CALIFORNIA STATE STATUE OF LIMITATION ( 4YRS ) OPEN ENDED / CREDIT CARD ACCOUNT HAS EXPIRED TO COLLECT ... NOTE : FORMAL COMPLAINT AFFIDAVIT FILED WITH XXXX  CASE # XXXX, FTC CASE # XXXX AND POLICE REPORT FILED WITH " XXXX XXXX XXXX PD CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FL

Complaint narrative:
There are currently numerous collections and inquiries listed on my report that I have no knowledge of. I did not initiate to open these accounts or inquiries, whereas they are a result of fraud or malpractice.

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XX/XX/XXXX and TransUnion on several occassions to inform them that my personal information is incorrect. They have not corrected it and they are reporting that I have a different name. I have informed them of my legal name and provided undisputable proof. 
They have not corrected the information that they are reporting on me. Nor have they provided any proof that I use another name. I am filing this complaint in hopes that the incorrect information can and will be immediately removed from my credit report.

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 2020-10-22 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: CL Holdings LLC
State: CA

Complaint narrative:
I have ask the for itemization of record from these creditors XXXX XXXX XXXX Jefferson Capital and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
Collecto, Inc.DBA EOS-CCA at XXXX XXXX XXXX  XXXX XXXX, California XXXX is represented by Attorney XXXX XXXX and are in violation of the practices of the Consumer Financial Protection Board. This issue involves a XXXX XXXX XXXX bill of {$1200.00} that occurred on XXXX XX/XX/XXXX.During this time and without my knowledge the wage garnishments caused an extreme financial hardship to my family and me. Henceforth, I filed a claim of exemption with the civil Court and I had a hearing on XX/XX/XXXX. A judgment was ordered by the Judge that I pay {$100.00} every two weeks or {$200.00} every month. This judgment is to expire in XXXX and the case was closed on XX/XX/XXXX, XXXX.The Judge ordered that all previous garnishments be returned to the debtor, that XXXX XXXX and the levying officer be served a certified copy of the judgment order and that the levying officer shall notify the employer of any change in the Earning Withholding Order. In spite of being legally served, XXXX XXXX violated the Judgment order and instead he kept filing papers in Court and illegally adding on interest and attorney 's fees shockingly increasing the amount to oveXX/XX/XXXX In reality, the debt would have been paid off if only XXXX XXXX followed the Judge 's court order..To add to his unfounded actions XXXX XXXX is now having an exorbitant amount of money garnished from my account. XXXX XXXX corruption must cease and his illegal actions be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I originally applied for an account with Navy Federal on XXXX XXXX With my brothers access code. Because my brother is a member I could qualify as a family member. I submitted supporting documents ( driver license, passport and utility bill ). I heard nothing back. In XXXX, I called to check the status and they informed me they could not verify my identity, so I submitted a security appeal including documents such as My passport, drivers license and utility bills. I again heard no response. I called back XXXX to check the status and they said because there was no current application on file that I Have to reapply. I reapplied XXXX XXXX and then after calling back two weeks later I was told I had to submit another security appeal. I asked the rep why I would need to do that if I have already sent one before. I am submitting documents such as a passport which is the most verified document you can submit. After speaking to a rep today and a rep from the security team, in which they were very rude and told me nothing except that they have denied the application as there was nothing left to discuss. They will not give me a reason why the application was denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation