vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
Identify theft in XX/XX/XXXX didnt open this file notice on my credit report in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I acquired the loan in XXXX of 2019 with the first year an interest-free period. I promptly paid all monthly payments when my statement was received. I knew and always intended to pay the loan off at the end of the interest-free period and when the second month thereafter the statement came I called the bank and asked what the payoff was. I was told the payoff was XXXX and immediately wrote the check and mailed it within an hour. I wrote that last check earlier than I had written any of the previous year 's checks and there was ample time for the check to arrive and them to process it. When the next statement came I find I've been charged a XXXX late fee and XXXX in interest because they say they received the payment late. When I went to my local bank to try and acquire a copy of the check they told me that Comenity, the loan bank had never processed the check by cashing but rather ran it thru by the routing and account numbers so I don't have much if any proof of the date I wrote the check. I'm sure they must have a copy and would like for them to produce one. I think when they realized I was paying the loan off that they held the check until after the due date claiming it was late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
This is for a move out at an apartment I lived in, the walk threw was complete and no damages were found and we mutually agreed that all is good. Later, the Apartment claimed that I damaged the carpet. I never did and no proof was provided, no court order and no agreement during the walkthrew and now they have reported that I owe them {$600.00} and sent it to a collection agency without the proper legal ground since I never caused this and I need to get a ruling on this from the CFPB so I can have creditors response prior to hiring an attorney to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
So i got a letter saying they messed up fees for late payments and gave me a XXXX credit from when i ad the card. I filed bankruptcy on this card many years ago - approved and discharged. They say the balance is still there and they applied the credit to a balance that shouldnt exist, rather than send a check for XXXX XXXX that should written off due to bankruptcy. Who else have they done this to? So they compounded an MRA i would guess with something even worse. this seems illegal. The rep on the phone didnt even seem concerned. She stated your not responsible for the balance after bankruptcy but the balance is still there and this credit was applied. Didnt even address the real issues. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Company sent dunning letter. 
I sent a validation letter asking for debt validation which is my right under FDCPA Company sent a letter NOT providing information I requested and ignored validating the debt. 
I sent a 2nd validation letter indicating they did NOT provided me with what I asked for, therefore, they are unable to validate this debt. I would like for this account to be removed for it is damaging my credit. 
XX/XX/XXXX and XX/XX/XXXXare reporting this debt which is a FCRA violation because they are reporting information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
On XX/XX/2020 my account was hacked and they took XXXX when i checked my account I chatted with them that first day and told them it wasnt me they sent me out a new card and started an investigation then the person somehow took another XXXX out my account everyday the person that hacked my account tried purchases and each time i contacted current they said dont worry you have a new card coming. I get my new card and someone tries that card at this point im thinking this is an inside job no way they can keep knowing my information. Now in the meantime they said it can take 10-120 to investigate. I had to get 3 card changes i eventually stop using XXXX and switched waiting for them to return my money. I did have the same chat person twice and she said she escalated my case but one day before the 120 mark they sent me an email said they investigated and found no fraud. That money was bill money my unemployment not play money and im not going to steal from myself but current stole from me and didnt do a investigation they could have caught the person one time i chatted with current it was a minute after the person tried to charge my card they could of caught them right then had they been investigating one company even told me all there investigators had to do was call and get the information current never called. They sent me a notice AT THE 119 DAY MARK! That was a way for them to get out of giving me my money back I never had that problem with a brick and mortar bank and I will never trust one bank with my money again. I want my money back because they failed to properly investigate and even after they sent that message and i cried my eyes out i spoke to the same woman on the phone and she could not believe they didn't research she checked while i was on the phone and resent for escalation even though they closed out first investigation I haven't heard from them since and i don't receive direct deposit there anymore but this is sad.e I want my XXXX back in my account and im going to make sure this doesnt happen to other people I complained to current XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 they ordered my 3rd card i sent them all types of chat and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal and financial information was stolen in a 2015 data breach with XX/XX/XXXXXX/XX/XXXX/XX/XX/XXXX XXXX I have none knowledge of the usage of the accounts. I never authorized or authorized anyone else to benefit for the accounts in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I am not a credit repair company, nor am I a mortgage company.

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 2021-01-09 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: NV

Complaint narrative:
These are not my accounts. Please remove them. I am not a credit repair company, nor am I a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
I was just released from the XXXX XXXX XXXX XXXX and they are claiming that I incurred a debt during my time in XXXX, There are three separate entries by this creditor on my report that I am filing this complaint on as they are listing the same account number. I have asked for documents to prove to them that I never authorized these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Early in XXXX, I requested a copy of my credit report from Experian and discovered one of my son 's accounts appeared on the report. I called Experian to have that account removed. Unbeknownst to me, Experian also removed my principal credit card in error from my credit report. I have been trying to get Experian to reinsert it since then. Numerous phone calls to Experian have yielded no result. I was told by Experian that, since the creditor was XXXX XXXX, I would have to contact XXXX XXXX  to have that account reinserted to get the account back to Experian. I contacted XXXX and was told that they could not do that ; that the account was deleted due to a dispute by the consumer. This is not true. This is Experian 's error. 
The credit card account that they deleted is my principal credit card ; the only one I use. It is the backbone of my credit score, which is suffering right now due to its absence from my report. I have had this account since XXXX, and I pay this account on time and in full every month. My record is spotless. 
I have contacted Experian numerous times ( they have records ). Today alone ( XX/XX/XXXX ) I spoke with no fewer than 7 people there, to no avail. I need this issue resolved.

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 2021-01-09 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: GA

Complaint narrative:
I reported XXXX different credit card accounts to XXXX major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts. 
I have never applied nor used these accounts for my self benefit. 
My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus. 
Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine. 
I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

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 2021-01-09 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: GA

Complaint narrative:
I reported two different credit card accounts to three major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts.

I have never applied nor used these accounts for my self benefit.

My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus.

Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine.

I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I dont underdtand what has happened or is going on today I tried to login and it wouldnt let me and I called and they said they closed my account this is not fair for no reason Ive always been a good customer and never gave a reason for them to do this to me when I was told this I was surprised and asked why this was done and when they didnt even tell me horrible experience how this bank treats its customers and then does this to me I cant believe this its not nice this shouldnt be acceptable I didnt do anything wrong please help me

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 2021-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, XXXX. 
XXXX {$280.00} Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit this does not belong to me, fcra violation. names addresses employers wrong. see attached.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

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 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, DEPT OF ED, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I was just released from the Texas XXXX XXXX  XXXX and did not authorize anyone to use my information for any debt, I could not have made this debt nor did I and have asked for documents and evidence to be provided that I was indeed the one that made the debt. The debt is not mine and I need it fixed, My attorney suggested that I file with CFPB prior to seeking a suit against XXXX XXXXXXXX and the client

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc.
State: MI

Complaint narrative:
On XX/XX/2019 ( 1 yrs, 3 mos ago ) I received a derogatory remark on my credit of {$140.00} from a XXXX XXXX passed over to stern recovery services for a debt not paid. I have full coverage insurance and have no problem having my insurance cover this bill. I never received any notice of what I owed and did not receive phone calls and was not notified that I had a due bill. This has made it extremely hard for me to build credit and get loans, get a mortgage because of the effect it has on my credit. I reached out and they did nothing about it.

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 2021-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My identity was stolen back in XXXX. Navy Federal Credit Union ( Acc # XXXX ) was open back in XXXX for {$8400.00} which was fraudulent. I spoke to XXXX on XX/XX/XXXX at about XXXX XXXX. I requested the application from Navy Federal CU with my signature and they stated that they don't have one on file to provide. Also, I was never any part of any branch of the military. I've been disputing this account for several years. This has been affecting my personal and family life. I am demanding for this account to be removed now from all bureaus. I've also provided all information requested by Navy Federal CU to help with is matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In XXXX of 2020 I put two disputes with the three major consumer reporting companies, trans union, XXXX, XXXX, for accounts XXXX XXXX, and XXXX  XXXX MasterCard, both details are listed in photos below. My problem is the reporting agencies never responded to my disputes except for trans union deleting XXXX XXXX, but the other agencies didnt respond nor did trans union respond to XXXX XXXX. In XXXX I put a demand to respond to my request again no response ... Please delete both XXXXXXXX XXXX and XXXX XXXX  from Consumer reports, this is my request that the CFPB so action

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