vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Texas XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
PennyMac is my loan servicer. Prior I had never had any contact ; my loan and auto payments were transferred to PennyMac. Upon needing a new purchase loan, I reached out to PennyMac to start the process and found terms to be good so begin submitting files and allowed a credit report. My business structures have some complexity to them and if you don't understand, items will be miss allocated and counted multiple times. They have always lead to multiple rounds of questions for clarity but never a problem. The agent I unfortunately had did not address any, did not return calls or emails. It took multiple calls to get a manager on the phone. Quickly and not surprisingly errors were found however he seemed somewhat uninterested in work through a more complex financial structure. We are in the process of further reviewing however based on the prior lack of care I don't expect too much more than prior - hopefully calls will at least be returned and critical time no longer wasted. I understand its a busy time and there are easier files but to work in such an industry with such reckless care and communication is troubling. As noted, critical time was wasted but not simply returning calls or emails ; at least to say that this is above their understanding and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/2020 I had {$80000.00} USD wired per instructions given by XXXX XXXX XXXX XXXX to a business account that I have at XXXX. XXXX   The funds came out of my account at XXXX XXXX XXXX XXXX Iowa thru XXXX to XXXX XXXX Bank of America account. The money was never received in my account. My bank here in XXXX Iowa, XXXX XXXX   has made numerous attempts to get information from Bank of America and cant get them to reply to secure messages, phone calls, or emails from both XXXX and XXXX XXXX. I have also been in contact with XXXX XXXX which says the funds are not in their Bank of America account. My Bank XXXX charter has also tried to pull the funds back from Bank of America which we have gotten no response from. 

This is a related complaint on different Bank. Complaint # 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 2020-08-20 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: FL

Complaint narrative:
I did never open this student loan I have not attended school since High School so please remove this account from my credit report thank you. This is Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
I did never open this student loan I have not attended school since XXXXgh School so please remove this account from my credit report thank you. This is Fraud

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I cancelled my citi card about a year ago. I was finally in a position to pay it off in full, so I called. I was told to send {$6500.00} and all business with Citi would be complete. I sent the full amount and my latest statement clearly paid in full. However, Citi is trying to scam me by sending a bill for {$30.00}. Im told by their csr, " that represents the interest while we waited to get your payoff check ''. Give me a break! What kind of a low life company is this?

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 2020-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am XXXX years old I have lived in XXXX XXXX XXXX Florida since 1974 when my husband and i was XXXX here at XXXX XXXX. i have never lived in Georgia. And that is where this bill originated from. I have always paid my bills on time and paid them off and this is in my 3 credit Bureaus, there are only 2 discrepancies on my report coming from  Georgia. 
This is Fraud, I filed a police report 6-7 years ago with the XXXX County police department, I do not have that now, the man was arrested and charged. I applied for help with my citizenship he took my money and information along with others. I sent this company a notarized Affidavit stating this and they still want to harass me for something that is not mine. I asked for proof, such as a signed contract, ID showing that I did this, nothing but statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: Nelnet, Inc.
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
I had an FHA loan with XXXX XXXX. I went through a Loss Mitigation claim and won, and my loan was refinanced and recorded in the court in XX/XX/2019. That same month, the loan was acquired by Lakeview Loan Servicing. It has taken XXXX XXXX over 6 months to get my loan information over to Lakeview, and now Lakeview has  taken 3 months to update my account. In the meantime, I have made every payment since XX/XX/2019 to Lakeview in accordance with the refinanced loan agreement. Lakeview has reported me to the credit bureau as delinquent which significantly dropped by credit. That domino effect caused by other credit accounts to drop my limit which again dropped my credit because it makes it seem like I'm utilizing more of my credit than I really was. Lakeview also  misapplied all payments made since XXXX. No one can give me an answer, no one can give me a timeline of when it will all be fixed, I just keep having to pay for it and receiving daily phone calls from Lakeview saying I am delinquent on my loan. I call them every two weeks and never get a resolution. I am ready to speak with an attorney for these lenders ruining my credit and my life.

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 2020-08-20 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: FL

Complaint narrative:
FRAUDULENT INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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: AL

Complaint narrative:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatoiy items on my credit histoiy. I then decided to pull my credit and I noticed several unknown items. 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. I have contacted the FTC and my local police and I am doing this on my own. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these fraudulent accounts from my report. 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 2020-08-20 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: MD

Complaint narrative:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX XXXX {$3000.00} XX/XX/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 2020-08-20 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: MD

Complaint narrative:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX  XXXX  {$3000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2020 I received an invoice for {$650.00} from Bank of America, XXXX XXXX XXXX, XXXX, DE  XXXX and XXXX XXXX XXXX, XXXX XXXX, TX  XXXX, and on the same date I sent a letter to both addresses in which I told Bank of America that I had never applied for or used any credit card with this bank. No response to this correspondence was ever received. 
On XX/XX/2020 I received an invoice for {$700.00} from Bank of America showing the same information, and the amount had been increased by a {$40.00} " fee ''. 
On XX/XX/2020 I received a letter from Bank of America about its decision to reduce the credit line on this fraudulent account that I did not apply for or ask for. 
On this date, XX/XX/2020, I have sent another letter by certified mail to Bank of America at the above two above addresses demanding that this billing be permanently terminated. 
Bank of America has violated the FDCPA and FCRA and other consumer protection statutes.

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 2020-08-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I received a debit card from USBankreliacard. I understand this card is issued to provide unemployment benefits. I did NOT apply for unemployment benefits. Someone has used my identity to get unemployment benefits. I have tried to contact USBankReliacard to deactivate this card and I have been unable to talk with them. I understand this is a fraud situation and I would like to have some reasonable assistance in correcting this obvious government problem and how they distribute unemployment monies. Why would the government have a contract with a bank-in this case USBank who takes no responsibility for the products that have their name on it??? and why would the federal unemployment department set up a program that can be so easily compromised. 
I want some help to remedy this situation.

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 2020-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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 contacted Equifax several times about several accounts that were opened in my name as a result of fraud. The accounts listed on my report for XXXX XXXX XXXX  account XXXX, Several accounts from the DPT/ED XXXX, XXXX XXXX XXXX  acct XXXX, XXXX/XXXX  acct XXXX. I have no knowledge of these accounts nor did I receive any merchandise from them. Please delete these accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20 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:
I have sent in a dispute regarding my XXXX XXXX XXXX XXXX report to experian a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. XXXX XXXX has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. Experian refuses to report accurate information. Today I contacted Experian by phone and they were very rude to me. The agent XXXX was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe experian profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.

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 2020-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I applied for a checking account through this link that advertises a {$200.00} sign up bonus : https : //www.huntington.com/checking-account-promotions-bonuses-offers After waiting over 90 days after I met the terms, I still did not receive the bonus. After chatting with an agent, they opened an investigation and concluded that the promo was " not attached to my account '' and would not be honored. 

I clicked through the link that was published on their website, met the terms, then they will not pay the bonus that was advertised, so this is very frustrating.

Company response to consumer: Closed with monetary relief