vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The XXXX XXXX apartments collected payments from me and then sent my account to collections to National Credit Systems. I informed National Credit Systems that I already paid this account. They never verified this account wasn't paid and they illegally reported it to the credit bureaus. National Credit Systems is harassing me and calling me non-stop at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX is attempting to charge me a fee of XXXX dollars. Which is an unknown charge to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One is willfully breaking federal law by not processing at all my credit card dispute ( including not even contacting the merchant ) for which I had given written and pictorial evidence to them by their prescribed deadline of XX/XX/XXXX via their online portal link ( and in fact the email to their online portal gave me 2 weeks from XX/XX/XXXX to submit my documentation- but at any rate I did submit my document before Midnight EST on XX/XX/XXXX ). Due to either technology mismanagement at Capital One and/or XXXX animus by totally disregarding any evidence provided by people of XXXX, Capital One believes they are totally exempt from abiding by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
i had received a letter from a collection agency claiming to be a law firm to collect a debt that isnt mines from a gym membership that supposedly opened by me.i had never attended this gym XXXX XXXX XXXX because i live in florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
The main reason for this complaint has to do with the unnecessary back and forth after submitting all required application information for loan repayment and PSLF criteria. Fed loan required one to submit a copy of loans from XXXX and XXXX XXXX ( given the loans have been transitioned so many times not by my choice ), however, Fed Loan verifies these and incorrectly verified the total number of loans paid, and took around 90 days to do so ( initially submitted XX/XX/2020 ). Subsequently, each attempt to re-upload the information never correctly changed the amount of paid loans until 2 months ago ( 11 months after initial application ). Since then, no letter of acknowledgement of qualification for the Loan repayment program have been sent to me, just verbal acknowledgement that it can take 90 days but I " should '' be okay. Acknowledgement that Fed Loan has the correct information is given but without specifying what this correct information is ( particularly in regards to number of monthly payments acknowledged towards the 120 loan payments required. At this point I also only have a verbal acknowledgement that my loan status should be okay when Fed Loan transfers my loans to the next loan servicer without a written acknowledgement of my qualification for the PSLF program given the last 10 years I have worked in a community hospital. After over a decade of public service, while repaying my loans, all I have is a verbal agreement that the rest will be waived at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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'm writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on CREDIT MGMT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or remove this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the MIDLAND FUND account still remains on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16 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: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX  account is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on SANTANDER ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Transunion today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at

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 2021-11-16 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: WA

Complaint narrative:
Hello I hope all is well with you. On XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I originally sent letter by certified mail receipt XXXX XXXX XXXXrequesting validation and I never received any documentation indicating this debt belongs to me. I sent a follow up letter XX/XX/2021 and didnt receive any reply. Thats past the 30 day time frame permitted to validate debt. Im requesting removal of account. Ive attach documentation that Ive retained for record purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I reported the card stolen as soon as we were alerted on XX/XX/XXXX. Citibank did not do a thorough investigation and saying that given it was using a chip reader, we made the purchase and not crediting back XXXX XXXX They are saying no one can clone the card and other nonsense. They want us to provide the proof we did not make the purchase. 
I have spent countless hours. There are other charges we legimately bought stuff and make regular payments. This is the first time we are disputing as the card was stolen,. 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 monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my social security payment and cause futher damage. The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.

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 2021-11-16 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: PA

Complaint narrative:
Experian is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
This is the second communication in regards to Discover who I was sent a letter via email. The phone number I contacted did not go through to a individual. ( Attempted 12 times in one day ) I subsequently called the number to see if the manager would correct the problem. My health condition is serious and I explained that I wrote down the amount of the settlement amount. The customer service manager made statements that were false and misleading as they did before. I was not told they would settle for 50 % as the manager explained that a disclosure would be required. Then in the following statement made the comment that 50 % was offered but expired in XX/XX/2021. I'm presently on permanent XXXX but did take notes and the representative when I requested 50 % and representative said it would be required to be approved. I told the representative that I would like to make it happen now to settle the account. It is at the point where they placed words into my mouth by confusing me. I suffered a serious head injury and can not understand when the agent has attempted to confuse me and places several numbers out. The one number that was said repeatedly based on notes was 65 %. The amount of 50 % would have been agreed upon with the time required to settle the matter. While this is what I can get and needed a few months was represented in a manner that confused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I applied for a mortgage refinance with XXXX XXXX at PennyMac early XX/XX/2021 in order to secure a lower interest rate and monthly payments, of note my existing mortgage is already serviced by PennyMac, and I thought that would make it an easy process, but little did I know then. 
I quickly got approved for a full 1 % lower interest rate after the house appraisal went through, then came the repeat and erratic requests for documents for income verification, solar panel agreement/ etc, followed by 3-4 week periods of no communication, and calling them for an update resulted in requests for the same documents that were already previously provided, then another long silence period, another call to check on the status resulted in the issue of a revised agreement with higher fees and closing costs ( 2 months after the first offer was already approved? ) I demanded that they respected the first agreement and revise down the fees and closing costs to the initial amounts, then radio silence for another 3 weeks, punctured by occasional status update calls from a lady who would scream on the phone, but those calls were that totally non informative, so I called to get more details, and was told that my case was closed per my own request, and they cited some unknown email address that was used to request the closing of my case I, of course, immediately demanded that the case be reopened since I never asked them to close it in the first place, I was also assured that this would be handled by a supervisorchecking the website, all my previously requested documentation was requested once again, by then we were already in XX/XX/2021, and by then the low interest rate I was offered initially was just not available from any lenders due to the rates creeping up, and I get a survey email asking me about my experience with PennyMacand that is when I call them for a status update, and get told that my application was denied for a high debt to income ratio I cant help but suspect that I was dragged into a lengthy refinance application just to be denied 4 months later when the low interest rates were no longer available, wasting any chance I could I could have refinanced with another company. 
I also suspect that they intentionally declined this preventing me from obtaining a lower interest rate, which could have resulted in lower interest amounts collected by PennyMac over the life of my loan. 
Useful communication was inexistent with my loan officer, XXXX XXXX, who came across as duplicitous, dishonest, and vindictive, deciding to deny me a refinance when I demanded they stick with the initial offer terms with lower fees and costs, just as the interest rates went up so much that I missed the chance for a decent refinance with another company. 
My chance to refinance at a lower rate has been wasted by Pennymacs unscrupulous practices and blatant mismanagement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 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: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted Freedom Mortgage to correct this reporting with no resolve.

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 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: AR

Complaint narrative:
I did not open an ATT U-Verse account on this date, in my name or anything of the matter. This is hurting my credit by them saying that I owe them {$1600.00}. The company is some company that AT & T must have hired. ( ^ IC SYSTEMS COLLECTIONS XXXX Address po box XXXX XXXX XXXX , MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Balance {$1600.00} High Balance {$1600.00} Past Due {$1600.00} Date Closed XX/XX/XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX XXXX XXXX Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX They are adversely hurting my credit & I did not open this account!! Please help me. Thank you so much for your time & due diligence.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting misleading information on alleged late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- which falls under 15 U.S. Code 1692e. False or misleading representations. Also, I have not given them any written consent to furnish any information ; 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports. This has caused a total of {$4000.00} in damages according to 15 U.S. Code 1692k - Civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
First Tech was notified that I was permanently XXXX when I attempted to settle the debt for less. The amount that I was able to pay the credit card was {$2500.00}. This amount is the most that I could obtain and yet they advised me to contact them at another month to see if the offer would be accepted. They advised me that not paying the credit would have them attach my XXXX XXXX XXXX  and cause futher XXXX The account was sent to a third party who is not willing to honor what First Tech advised and threatend to make my credit worse and inclusive of law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX XXXX is reporting multiple 120 lates on my credit report. I have never paid my account 120+ days late. I have contacted XXXX XXXX to correct this reporting with no resolve.

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