vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 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: TX

Complaint narrative:
I have been disputing these account for exactly 4 years. I have submitted police reports, ftc reports, notarized letters, etc. The credit bureaus claims that the creditor is providing them with proof the accounts belong to me. When I ask to see the proof I am directed to the creditors, when I call the creditors I cant get past verification because the accounts do not belong to me. I have been getting the run around for 4 years, so I have sued the creditors since it is the creditors, in accordance the bureau, that has to be provide me proof. I have been advised by my attorney to dispute the following accounts 1 ) security service account number XXXX and 2 ) XXXX XXXX account number XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX account number XXXX 5 ) XXXX account number XXXX 6 ) XXXX account XXXX and XXXX  XXXX account number XXXX and to inform the bureau that the account are now in litigation, however I can't dispute online and when I call I get the run around from person to person department for days. Per my attorney the accounts listed in this complaint are now in litigation and I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My wife cancelled her Experian credit monitoring services on XX/XX/2020, and received the cancellation email from Experian as confirmation. However since then, our credit card has been inappropriately charged {$12.00} per month. 

Ive already called the number provided within Experians cancellation email ( on at least 5 separate occasions over 7 months ) to inform Experian of the inappropriate charges to our credit card. Experian has refunded some ( not all ) of the charges over the past 7 months, but they still keep charging our credit card {$12.00} per month - even after they keep telling me everything has been cancelled and assure me that they cancelled it correctly this time.

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 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Hyundai Finance on XX/XX/XXXX. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. On XX/XX/XXXX Hyundai sent me a bill which is a violation of 15 USC 1692b.

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 2021-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. A nonprofit organization where I am the checking account holder with Bank of America, we received a XXXX  first draw loan through Bank of America in XXXX. 

2. We are eligible for loan forgiveness through the federal government and BOA finally made the portal available again a few weeks ago, but we are having trouble applying. Specifically, when we attempt to log in to the BOA loan forgiveness portal through the link provided to us by BOA in the repeated emails they have sent us, it states that we have no loan associated with the userid ( XXXX ), when in fact we do have both a first and second draw XXXX loan associated with that ID. 

3. On XXXX XXXX, XXXX, nearly a month ago, I called Bank of America regarding this apparent Online ID issue preventing us from applying for XXXX loan forgiveness. I spoke with XXXX, who created a case, XXXX # XXXX. 

4. Unfortunately, we have not heard back from the XXXX created on XXXX XXXX, XXXX with BOA. We are eager to put in our application for XXXX loan forgiveness and we keep trying to use the link to log in, even as recently as today, but it still isn't working.

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 2021-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I find Transunion and specifically as it pertains to their XXXX XXXX score to be defamatory & grossly negligent as it pertains to my score. For absolutely NO reason my score is 140+ POINTS LOWER with Transunion than it is for XXXX & XXXX !! All 3 reports are an almost CARBON COPY of one another. There is NO logical reason for this - Also, I notice for some reason that my score takes daily drops and advances of up to 20 points on an almost daily basis. This is NEGLIGENT & DEFAMATORY towards me!!! Please revise my score. This all seems fraudulent and in some form a scam for banks to charge higher interest rates and/or deny credit to lenders that only use Transunion, This is defamatory and negligent, Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt is/was not mine. I handled it some years back they deleted off my credit and it reappeared last year. This company really needs to stop harassing 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 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
A family member stole a debit card to one of my checking accounts without my knowledge or consent. She took the card out of my purse unaware. I have four accounts at BOA and I did not know the card was missing until one day I went looking for it. I thought I had misplaced it. A few days later, I was looking in my purse for something else and the card was placed back into my handbag. My niece is the only one that comes and go into my home at will, because I help her with her children, and she has done this to me before. She has used my credit cards before with out my knowledge or consent. I was angry at my niece for stealing from me as she has done on more then one occasion. This time I filed a police report to have her charged and arrested for stealing my credit and debit cards. 
I filed a fraud claim at the Bank Of America and even though I sent in the police report, I was denied my claim of almost {$7000.00}. The claim was for almost {$9000.00} when I filed it. I was granted some but not all of the same claim that I had summited. They know this is fraud but refuse to refund my money. I don't have this kind of money to give away. The claim number is XXXX. I am also sending complaints to all the media outlets. BOA should be ashamed of themselves.

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 2021-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 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. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company
State: AZ

Complaint narrative:
Guild Mortgage is not helping with forbearance during covid repeated troubles with them. They refuse to be transparent in process. I wanted forbearance under CARES ACT. On their website it asks for written documents to prove need for forebearance. I was told we only need ATTEST of financial hardship under CARES act. So i never applied in beginning as of their lying website Almost impossible to reach loan servicer. Hours of waiting on hold which i think they do on purpose. Then phone hangs up many times and give up exhausted. Finally reached loan servicer who was snotty and said she can not promise if payments would be put to back of loan as I begged for and she said i may need to pay lump sum at end of forebearance which terrified me. So, frightened as to WHAT my future mortgage would BE i refused forebearance. Did not take forbearance for months as their web site has videos declaring need documents proof of exact hardship. Afraid they will foreclose. I want to put 3 months payment to end of mortgage they refuse and act very rude and make wait hold for hours. Contacting attorney general now. I can not trust Guild mortgage and heard they do this to many

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I received a letter from Citizens One Personal Loans saying I did not pay my monthly payment of {$480.00} on XX/XX/XXXX. I have no idea what this is about. I did research and it did not appear it was fraudulent. I called them and the person in the Late Payments Recovery Department said they do not see me in the system and would transfer me to the Billings Department. They said it from from an XXXX XXXX purchased XX/XX/XXXX. Unfortunately I gave them the last 4 of my SSN. I then called XXXX and they said it is a phising scheme. My account had nothing due on it. I'm not going to call the company again. They suggested I file a complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I have received a letter explaining I should have received an EIP card but it's not been activated. I never received the card so I called the XXXX number for XXXX listed XXXX - but none of the options work and there is no option to speak to an individual. There is also no email or place online to report a lost or undelivered card. The fact that economic stimulus payments are being distributed by a vendor who does not have a proper customer service center or working phone tree for filing lost cards is absurd. I am trying to claim this EIP but again, none of the phone options work and no combination of my SSN and zip works.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: SLM CORPORATION
State: CA

Complaint narrative:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : Unverified account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account Account Name : SALLIE MAE BANK INC Account Number : XXXX Reason : This is not my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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: Professional Recovery Management
State: FL

Complaint narrative:
I paid the collection for XXXX in full for deletion but its still showing on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account

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 2021-03-12 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:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 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:
There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account

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 2021-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: TX

Complaint narrative:
This issue is about Payment/Disbursement for Real Estate Tax Payment from my Escrow Account. This will be the second time Midland Mortgage Company has taken funds out of my escrow account and sent them to a taxing agency. I am XXXX and have a tax exemption and tax deferment for my homestead. I want the real estate payment of {$710.00} that was paid on XX/XX/2020 refunded to me as soon as possible because I do not have to pay real estate to Midland. The company put me in an awkward financial position by requesting additional money last year for my escrow account. I receive minimum income. Midland 's action was unnecessary.

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