vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
I'm not sure who to bring this to again! I continue to dispute a phone company bill XXXX that doesn't belong to me. In XXXX, i pulled my credit and noticed that XXXX report that i owed them {$870.00} and they had sold the account to XXXX XXXX XXXX company. I disputed directly to the bureaus and that third party company. Now i just pulled my credit and noticed that there is the same collection from XXXX under different company names opened XX/XX/2020 under Source Receivables Services SRM. I can tell you by monitoring my credit, the open dates are wrong. I been researching them online and noticed that there are so many complaints against this company online between XXXX, CFPB, etc. Also i read this " Source Receivables Management or SRM is a third-party collection agency based in North Carolina. SRM has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. ". This company continues to ruin my credit and placing wrong information on my credit report using different companies under their umbrella. It's causing this account to illegally re-aged and dropping my credit score. 

AGAIN, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
All the accounts I listed are fraudulent accounts this is and identity theft.

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 2020-06-26 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: Navient Solutions, LLC.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
After deleting and reinstalling the app on my cell phone, I have been unable to login. Their web help required me to login so I got no help. I called the phone number I found on the web for them and it goes to voice mail with no rerun call. The letter I wrote them on XX/XX/XXXX, attached, to the address I found in online search came back unable to forward marked XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All the accounts I listed are fraudulent accounts this is and identity theft.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All the accounts I listed are fraudulent accounts this is and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing which are negatively impacting my credit. I looked through each account and none of them belong to me. I did not open any of the accounts listed on this report and I did not allow anyone to open these accounts in my name. I don't know who is responsible for these accounts or who could have opened them with my information since I have never allowed anyone to open any account or loan in my name. I did not benefit anything such as money, goods, services or any other benefit from these accounts nor did I ever make any payments towards them. I am not affiliated to any of these companies in any way and I have never given them access to view my credit file. I have filed a police report regarding all of these unauthorized accounts.

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 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have 3 different credit cards with American Express. One account is my personal, 2 others are business cards. I have made all my payments on time. Have never missed any payments. The last 2 months, American Express contacts me 3 weeks prior to my due date asking for the payment and putting a hold on my account so I would not be able to use them unless I pay my upcoming payment 3 weeks in advance. My accounts have no balance limit. Non of this is in my customer agreement with American Express. I have advised them about this issue and basically they had no answer for me. It is not legal to ask for a payment 3 weeks in advance and not allow me to use my card. They also do not care if I close my account. I wouldve never thought American express would do that to its long loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX He demanded a Power of Attorney be signed by me in private on a scratch paper or he would not proceed. 
I was not able to consult an attorney as he'd already had me sign with him as buyer, seller and broker. 
The POA was to appoint my XXXX  citizen XXXX XXXX XXXX to make all financial decisions as me. It wasn't witnessed or notarized. 

Escrow an independent agent processed escrow closing payout to all parties but had bank closed before checks were paid out in full. The bank never ask for my ID or signature? 

XXXX XXXX escrow agent also notary for grant deed original and representative for buyer XXXX XXXX property XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Total $ XXXX may have been deceived after I left her office and pre2sented POA for his XXXX mom XXXX XXXX?? 

Year 2002 owned & upgrade for sale in 4 months. 

I payed pro-rated taxes with County taxes collector office. But the physical address printed on invoice was my name but XXXX XXXX home address of XXXX XXXX XXXX XXXX XXXX, CA XXXX which I never authorized or approved US Mail forwarding of this real estate transaction!!! 

The Wells Fargo home mortgage finance representative name XXXX XXXX is a personal family member XXXX partner to XXXX family of 25 yrs to date. Approval guaranteed but with the order to only use XXXX  notary/escrow officer. 

To date I never cashed checks from the small unknown bank? 

Escrow No Title No Recording No XXXX XXXX XXXX be doing all financial transactions for XXXX  XXXX  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 2020-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Will not let me link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2020-06-26 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: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?

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 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened an account online about a month ago. Then I went in person and made a {$5.00} deposit. The only income I have is my Social Security. I made arrangements to have my Social Security check direct deposited into that account. On Thursday, XXXX, Chase closed my account. I was given no notice of the closure I found out when I went online to log into the account. So I called Social Security to ask them not to deposit the check into that account. SS said it was too late to stop the direct deposit. The cut off date was the XXXX, the day before. I got in touch with Chase, they said they could not help me. I asked them to just let Social Security deposit the check, and I can come get it in person. Chase said no. Chase said when the check hits the account, it will be returned to Social Security right away because the account is closed. I called SS. SS said Chase didn't return the check. I called Chase. They sent me to the fraud dept. I talked to XXXX. She said a Chase check was mailed out ot me on the XXXX. She said there is nothing they can do to help you. XXXX said they had no reason for closing the account, and kept repeating " there's nothing we can do to help you. I'm going to go now, there's nothing we can do to help you. '' XXXX said : " customers close their accounts all the time, and don't tell us why. '' I am in tears. I called back and talked to XXXX, sais I was going to sue them. He transferred me to executive offices. XXXX apologized and gave me a case number XXXX. I still don't know why they closed the account, and I am livid about them holding my Social Security check, and acting like it's nothing. It's not nothing, I have bills to pay before the XXXX. I've been waiting and waiting on that check, frantic with worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC

Complaint narrative:
I wrote Rushmore loan management services and engaged them several times to state reasons why they changed my escrow to non-escrow and they have refused to give me any response. It all started when I realized that my property and casualty was canceled several months back for nonpayment when I filed a claim to the insurance company for storm and hill damage to my roof. Rushmore has since then refused to take responsibility for the cancellation and to take responsibility for replacing my roof. I wrote them again about the error resolution notice and they have still refused to reply to my letter since XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: AL

Complaint narrative:
I booked a hotel through XXXX in XXXX for a trip to XXXX before COVID-19 and travel bans. Once we learned that we couldn't go to XXXX because of travel bans and everything being cancelled, including my flight and my events in XXXX and to XXXX, we immediately contacted XXXX and tried to cancel to get our money back. We tried for days to get in contact with XXXX, but could never reach anyone. We even tried to cancel on the site, but it would only offer us {$70.00} of our {$700.00} stay. We aren't allowed to travel outside of the United States, so there's no way we could have gone on this trip. I reached out to Citi and filed a dispute. I told them this whole story and provided them with proof of cancelling the XXXX trip. It took them 2 months to get back to me and I had to find out that they sided with XXXX instead of the loyal customer. I don't dispute charges unless it's fraud and I believe XXXX has been taking people 's money during this critical time. I was also told by Citi in my dispute that I would receive details about my case in Notices and Letters on my account, but I never even received that or anything else from them. There have been tons of complaints about XXXX taking people 's money. I have lost my job due to COVID-19 and I can not afford to lose {$700.00} for a hotel that I could not stay in because of a global pandemic and travel ban.

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