vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
At this time the above finds himself living and doing Business at XXXX XXXX XXXX, XXXX, Florida. Which is in the middle of a Coronavirus hot zone pandemic for the state of Florida during this time I hereby inform my credit card issuers that during the Coronavirus pandemic the above will not be making any Payments until this Coronavirus pandemic is over also please be aware that the above apply for federal government disaster relief and you can refer to case number enclose, your credit card balance with the above has been highlighted as A debt that qualifies for disaster relief within three months credit issuer '' s will receive full payment of the balance, notification of this action become affective immediately as of this time stamp date XXXX SBA Application No. XXXX - Status Update 1 message XXXX XXXX XXXX Fri, XX/XX/2020 at XXXX XXXX To : XXXX XXXX XXXX Dear Applicant, Please see the attached letter for information regarding the status of your application for an Economic Injury Disaster Loan. The SBA understands that this is a challenging time for your business and the nation. We appreciate your patience and understanding as our agency works through the surge of loan application volume during these unprecedented times. Questions? We're here to help. Call us at 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 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was contacted by Jefferson Capital about a debt to XXXX that is not mine. I notified them that the debt was not mine. I asked them to send validation of the account. I did not hear from them again. This week I received a credit alert that I had a new negative credit account on my report. I looked into this and Jefferson Capital listed this account on my credit reports. They did not validate the debt at all and now are attempting to extort money I do not owe by listing this on my credit report. I have not had a XXXX account in over 15 years and closed that account with no money owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mar Joe Enterprises
State: TN

Complaint narrative:
I recently checked my credit reports and I hadn't checked them in almost 2 years. I noticed a collection charge from CBC for {$650.00}. I quickly realized I had been a victim of identity theft and fraud by my ex-boyfriend XXXX XXXX. 

He put my name on a lease of an apartment where I did not live. I was not with him and I did not authorize him to put my name on this lease. When the lease was started I was married and living with my husband at a different address. He used my information because he had bad credit and I had good credit. He used my information falsely to get into an apartment. 

I can prove this information with a marriage certificate showing my name changed in 2016. He used my maiden name on the lease years after I was already married. 

I also had the electricity turned on in my legal married name beginning in XX/XX/2016 at my true address. I can provide bills for the past 4 years authenticating my address. 

My information was used on this lease without my knowledge. I do not know owe {$650.00} because I did not live in the apartment with him or sign any lease. I only found out about it after looking through my credit reports. XXXX sided with the collection agency and did not remove it from the report. XXXX has not communicated their decision on the dispute I have open with them regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for  delinquent student loans and other financial services. 

NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE  XXXX XXXXXXXX XXXX   XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's  of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. 

Sounds like a mob operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I have no idea who these people are and have never received a bill. They dont have have my signature. Yet Experian wont remove it. XXXX removed it months ago.

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 2020-08-01 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with CITI, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CITI, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-01 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Have disputed this account from XXXX XXXX with Equifax, XXXX, and XXXX with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3.

2. Date opened is inaccurate.

3. Payment status is inaccurate.

4. Last reported dates are inaccurate.

5. Comments on all 3 accounts read something different.

6. Date last active is different on all 3.

7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off.

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a certified letter to Professional Debt Mediation for debt validation. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately .On XX/XX/2020 a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the professional Debt Mediation. I provided a four page validation letter package for the company to complete but they never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX  XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a loan with WELLS FARGO, XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and WELLS FARGO, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

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 2020-08-01 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: Marlette Funding, LLC
State: CA

Complaint narrative:
I have a loan with XXXX XXXX, BESTEGG, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, BESTEGG, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a loan with XXXX XXXX, XXXX, and AMEX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, XXXX, and AMEX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: FL

Complaint narrative:
I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GLA Collection Company, Inc.
State: OH

Complaint narrative:
GLA COLLECTION CO INC claims I owe them {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX. I only know about this because it showed up on my credit report. I dont know who they are and have never received anything from them. They dont have my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MS

Complaint narrative:
I went to website to check balance and it started fraud/suspended can't login. So I called the XXXX # multiple times. After being on hold for over an hour each call, someone would answer and say they were transferring me to fraud department ( followed by another wait of an hour ) so I eventually would hang up each call. 
I also call unemployment office. They said it was because I tried to change payment option to direct deposit ( which didn't go through ) so I need to use my card. It's for unemployment in XXXX XXXX XXXX  AND HAVE NOT BEEN ABLE TO USE MY CARD FOR SEVERAL DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: KS

Complaint narrative:
The collection is not my own. I never got the bill for hospital. And the social is it not correct. The date is XX/XX/2015. Amount is {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
I had my credit pulled on XX/XX/XXXX in order to obtain a loan. The lender informed me that I had a collection on my credit report. I was unaware that I had a debt, let alone that it had been sent to collections.The credit report states that this was a medical bill from XXXX XXXX XXXX in the amount of {$430.00} from XX/XX/XXXX. I called XXXX within a few days of finding out about this collection to inquire about the debt, and was told that the bill was from an emergency room visit in XX/XX/XXXX. At that time, I was under the impression that I was covered by XXXX. XXXX informed me on our call, this XX/XX/XXXX, that I was not covered by XXXX at that time and that my insurance had lapst about 2 weeks prior. After getting off the phone with XXXX, I called the collections agency. The collections companys name is USCB America. In an attempt to resolve the matter I asked if I can pay the debt and have the collection removed from my credit. They refused, so I asked to speak with a manager. A manager was not available at the time, so one was supposed to call me back. I waited about a weeks time and never received a call from a manager, so I called again. This time I was able to speak with a manager and was told that even if I pay my debt in full, they will not remove the collection from my credit report. I called again a few days later hoping for a different result, but was told again that even if I pay the debt in full, they will not remove the collection from my credit report.I was unaware of this debt, and I am trying to resolve it, but this collection company seems to want to punish me anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was at Bank of America around XXXX today to deposit cash into their atm outside the XXXX XXXX/XXXX  branch. The machine freaked out, kept my debit card and ate 63x {$20.00} = {$1200.00} in total. I spoke with the manager at the bank and called their support line, but there is absolutely no guarantee that I will be able to get my money back. There is footage of me sticking a big bunch of cash into the machine and then just standing there wondering what happened. This is really disconcerting that a machine would do this and that a branch does not have the power to fix it on the spot permanently. Now I have to wait in limbo for 45 business days before knowing if they are able to rule in my favor.

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 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/20 I received an email at XXXX EST from cash app stating my email and phone number have been unlinked from my account without my consent. I now am unable to access my {$5900.00} balance in my cash app business account. Cashtag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I kept being charged by both XXXX and XXXX even though I had cancelled both accounts with these companies and wasn't receiving services. Capital One refused to help me so I reported the card lost so that I would get a new card number. After I reported the card stolen and before I received the new card myself I was charged again by both companies in this account even though I couldn't have possibly given them my new card number as I didn't have it myself.

Company response to consumer: Closed with explanation