vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Last winter I started receiving cryptic phone calls from someone who would not identify themselves or the company they worked for. They wanted to talk to me about my XXXX XXXX credit card. I was afraid the phone calls were fraud, so I ignored them. I then received a phone call from the same person at my office, so I called the phone number on one of my credit card statements to find out what was happening. When I did so I was told they had sold my account to this other person. When I asked 'why ' they told me I needed to talk to this other person, they were no longer doing business with me. 

I then called the number on my caller ID and this person told me they were debt collectors and had purchased my account, that I owed them almost {$10000.00}. I told that it must be a mistake. I last used that card XX/XX/XXXX and paid the bill in full XX/XX/XXXX. The debt collector at XXXX XXXX XXXX started talking about charges made at stores inXX/XX/XXXX I have never been to, and said the bank had sent me letters regarding these charges that I had ignored. I told him my last communication from the bank regarding this charge card was the XXXX XXXX statement, and nothing had been sent to me since then. The debt collector started reading a letter I was unfamiliar with, then said it had been sent to my address XXXX, XX/XX/XXXX 

I live in XXXX,XX/XX/XXXX at the same address since XXXX. I have also lived in the XX/XX/XXXX XXXX, XX/XX/XXXX area since XXXX. I do not own a house in XXXX, XX/XX/XXXX, nor did I ever change the billing address on my account. Someone not only was using my charge card without my permission, they first changed the billing address on that account so I would not receive any statements. 

While I haven't heard anything from the debt collection company for almost a year, they are now sending me statements asking me how I plan to pay this debt. 

The bank that oversaw my XXXX XXXX credit card is Comenity Bank, XXXX. XXXX XXXX, XXXX,XX/XX/XXXXXXXX. The debt collectors are XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. 

The bank never attempted to contact me at my billing address. Nor did they attempt to contact my credit union. I use my credit unions electronic bill paying service to pay my bills for over 11-years. Why Comenity never contacted my credit union to see why the payments had stopped coming is unknown. Nor do I know why they never attempted to contact me at my previous billing address. I never gave anyone permission to change my billing address. Why Comenity would not look into why this all started after someone changed my billing address and never think of contacting me at my old billing address is unkown. The fact Comenity does not want to discuss my account with me makes me suspicious of their change of address process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Letters were sent to all 3 credit bureau 's over 30 days ago and we have not received a response yet.

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 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I am a single mom and experienced a major loss of income due to covid. I struggled to make payments and eventually fell past due. In XXXX, I recovered income that was previously lost. I called TD on XX/XX/XXXX and spoke with an agent named XXXX. I explained my situation and asked what payments arrangements could be made to bring the account current. I told her that I could make 2 payments per month until the account was brought current ( 2 full payments around {$600.00} ). She told me that she could only schedule 2 payments at a time, so the XXXX payments were scheduled. She told me that I would need to call back in XXXX to schedule two more payments. I told her I planned on making the payments on XX/XX/XXXX and XX/XX/XXXX which are my pay dates. She assured me that was fine, and she was notating this on my account even though she could not set up the payments during that call. However, on XXXX, my vehicle was repossessed despite being told my payment plan was acceptable. I called TD again and spoke with XXXX ( ID XXXX ) who informed me that this was a valid repossession because payments were not scheduled. She confirmed that XXXX stating I could only schedule 2 payments at a time was accurate, but also stated they can repossess if additional payments are not scheduled. This is conflicting information. The intent was to call on XX/XX/XXXX to schedule two payments for {$600.00} for the month of XXXX. Again, I was ASSURED that was ok. I was told a manager would contact me within 24 hours but I have not heard back. I am without a vehicle and no way to get to work or take my child to school. It is absolutely appalling that a company treats it's customers this way when they have been affected by covid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My personal checking account was closed without notice on XX/XX/XXXX. The account was in good standing and primarily used for direct deposit and paying bills. 

I called customer service on XX/XX/XXXX and was told that I should receive a check for {$15000.00} within 7 business days. 

I called back on XXXX and was told that my account was actually closed on XX/XX/XXXX and that I should expect my check within 10 business days. 

I called again on XXXX and they told me to go to a local branch to resolve this. 

I went to a local branch on XXXX and they issued a new check but it won't arrive until XX/XX/XXXX at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Applied for a loan with One Main for XXXX. Vehicle needed to be used for XXXX as collateral. The vehicle is sitting at a dealer since XXXX because it is not drivable. Explained to One Main and we paid XXXX to switch collateral to another vehicle and the other title would be sent to us to give to the dealer to sell. We have not received our title as of today XXXX. We called the XXXX and was told a lien is on both vehicles. I have contacted One Main with no success. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: Central States Recovery, Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX central states recovery added a collections account to my credit report. Knowing that I had been insured the time of services, I immediately filed a dispute discrediting the false claims. I had spoke with Central states recovery and the original creditor XXXX XXXX XXXX XXXX XXXX about the issue multiple times during the year regarding the same issue and i asked them multiple times to properly bill the insurance company. I can recall on time in particular in XX/XX/XXXX when speaking to and agent who assured me that he saw that I had medicaid at the time of service and assured me the matter would be corrected. Unfortunately no one from either company billed the insurance properly and this resulted to the account somehow reappearing but this time as a collections on my credit report. As stated previously, immediately after the collections account was added to my credit report i disputed the item ( XX/XX/XXXX ). I was notified the review was complete on ( XX/XX/XXXX ) stating the account was verified as accurate and i owed money and the drop to my credit report would remain. it is now XX/XX/XXXX and i spoke with an agent from XXXX XXXX XXXX who stated she can verify the fact that i had insurance at the time of service and the account is not in collections and should not be on my credit report. this is not the first time transunion has failed to accurately investigate a dispute. last year this time i had several collections from the same company XXXX debt recovery solutions XXXX in which i had to battle the debt collector and provide all proof they were falsely adding damaging remarks to my credit report. these accounts were much later removed but left my credit report more damaged than ever. false claims by original medical creditors to unwilling to help accurately verify the information has left me battling for myself to correct my credit report. if transunion has an option to dispute an item i believe they should do so and actively investigate rather than relying solely on fraudulent collection agencies who obviously want to get paid whether you actually owe a debt or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed XXXX XXXX XXXX twice now on Experian with documentation. They continue to report a XXXX balance at XXXX XXXX XXXX in XXXX NC. I have a XXXX balance receipt from the XXXX that I have sent Experian twice. This item isn't even 1 % correct much less 100 % correct as required by the FCRA. I insist the CFPB use the full weight of the FTC to have this item removed from my Experian report forthwith. I am attaching my receipt but they have been copied on it twice. It's time to get serious about this befure we start seeing that {$5000.00} lawsuit come to fruition.

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 2020-11-06 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: FL

Complaint narrative:
I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.

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 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
called me 7 times in under 6 hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: NC

Complaint narrative:
I would like to dispute late payments and incorrect address on my credit file. I have attached the letter.

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 2020-11-06 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: PR

Complaint narrative:
XXXX XXXX auto loan ahowing an opened balance of {$6400.00} on my Equifax credit report do not belong to me. This is affecting my credit score on Equifax report and I need it to be removed from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Recovery Solutions, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received my first contact from XXXX XXXX who is an authorized representative for XXXX XXXX XXXX XXXX XXXX, informing me that my payment that amounts to {$40000.00} + additional pending payments ( XXXX XXXX XXXX XXXX and XXXX XXXX dollars and XXXX XXXX cents ) is now due as a result of an automobile accident which took place on XX/XX/XXXX. 

However as this is my first contact from Allied Recovery Solutions , inc . I replied by mail around XX/XX/XXXX informing them that I do not believe the debt is not my responsibility and I wish for them too verify the debt and my wishes for them to acknowledge that I dispute this debt. I also updated my contact information with this mailing since the information they have on file was wrong which included misspelled address and incorrect name I did not receive any mailings, phone calls, or emails until ... ... 
XX/XX/XXXX when I received a second notice that again was sent by XXXX XXXX informing me that they tried to reach me, I've been ignoring their correspondence and have chosen not to respond. XXXX XXXX gave me 10 days to respond and if they hear nothing from me they will take any and all action that there client feels necessary. 

I have since sent another mailing this time Certified Mail too XXXX XXXX informing her that they need to stop with all the malarky that I have not been communicative with them and I even pointed out that they updated my contact information when they received my first mailing, which I thanked them for doing so there would be absolutely no miscommunication while they verify this debt. I also informed them that I will be filing a complaint with the CFPB due to the abuse of the collection process. I have mentioned to them about the Fair Debt Collection Practices Act and even pointed too Section 808. Unfair Practices. Sub- Section ( b ) to help with my case against their collection ways. 

Due to their abuse of the FDCPA, I also informed them that since there previous actions where too ignore the verification process which i requested, I also introduced the FDCPA, 15 USC Section 1692c which i have requested them too stop ALL communication with me and since they abused this act in the near past i hope i had there full cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My Experian report has multiple inaccurate demographic info. It causes issues with any application. It also contains inaccurate balance info on at least one account. 
I have tried disputing online, but, and this is not a joke or exaggeration, I've been getting " technical error, try later " for close to two years. 
In order to dispute via mail, I'd have to send copies of drivers license, social security card, and utility bill. Given CRAs poor track record in keeping information secure, I do not find this to be a viable option. 
I have paid Experian monitoring, they take payment every month, I'm not being asked to verify each month who I am. 
It makes no sense that they can not figure this out. 
I've also been unable to access Free Annual Credit report online due to same technical error. 
Since my vision is pretty limited, playing mail game is really not fair. 
Additionally, as immunosuppressed person, i shouldn't have to go to post office and stand in lines. 
I've visited XXXX XXXX  website ( and associated forum ) where many are reporting same issue Do they really get to act with such impunity while causing us loses? 
I can not get approved if my information doesn't match what's on file, I can not do online dispute what's on file, nor my vision allows playing pan pals. Online I can at least use screen reader.

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 2020-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My BBVA credit card is killing my credit score. 

My credit card limit was decreased without any warning. It went from {$4400.00} to {$3500.00} in XXXX. I was not given a reason. 

I have made all of my payments on time and I have never gone above the spending limit. 

This caused my credit score to go down because my available credit was reduced by {$900.00}. 

I have now been told that they closed my account on XX/XX/XXXX without telling me. 

Also, I am no longer able to make payments online so they charged me a late fee after I got an error on XX/XX/XXXX. XX/XX/XXXX I called to inquire about the computer issue. 

When I asked why my account was closed they transferred me to XXXX  .... 

They would not let me speak to a manager or anyone who could answer WHY my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 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: PA

Complaint narrative:
Good Afternoon Error was detected on my credit report and filed an investigation into the matter utilizing Transunions online dispute portal Transunion dispute submitted on XX/XX/2020 Written dispute sent directly with the company ( NCA ) that filed the incorrect information and company has failed to response as of the date of this compliant ( Sent 45 Days Ago ). Despite no response from the company, Transunion verified the information Transunion has a duty to validate information, not pass the burden to the consumer. 
This consumer financial protection bureau recently levied a {$500000.00} penalty for this company for violations of the FDCPA Similar to the previous civil ligation, I have received zero correspondents from NCA. 
Company directly submitted information to credit bureaus without notification or validation and Transunion continues to furnish and sell incorrect information which has caused negative impacts

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 2020-11-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
Hello, I am reaching out because my grandmother and I am being threatened and harassed by Wilber Associates and law firm. I was involved in a car accident that was a 50 50 fault but I did not have insurance at the time of the accident. This law firm or agency wants a payment of XXXX, I have Not refused to pay I simply offered a payment plan I can afford, I am a single mother with XXXX  small children barely making minimum wage, I offered a XXXX $ a month plan and they refused and said they are garnishing my wages, going for my bank accounts and suspending my license They made my grandmother cry because of the threats they mention to her. 

They keep threatening me to suspend my license garnish wages and suspend my vehicle lease. I also asked them, " Well can't we go to court to see if we can settle something '' The first representative who's in charge of the case told me, " This is a civil matter not a criminal matter therefore we don't go to court for that I just send a notice to the DMV to suspend your license '' THEN another representative contacted my grandma stating they're going to take us both to court to pay a settlement of XXXX They threatened me by sending an electronic notice to the DMV to suspend my license, Threatened to take my grandmothers assists as well. This law firm is stating

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On Friday XX/XX/2020 I called Experion ( XXXX ) to place a temporary freeze lift on my credit. The voice response system was poor but I did receive a confirmation number that the freeze was lifted. However, after receiving the confirmation number ... the voice response system then told me that I had to send in the mail ... ..a long list of personal information including my PIN number when I placed the initial credit freeze. That the freeze would not be lifted until I sent the information and that I should allow enough time for the information to be received in the mail so that the freeze could be lifted for the time frame I requested. THIS MESSAGE IS CONFUSING????? IT LEFT ME WONDERING WHETHER OR NOT THE FREEZE WAS TEMPORARILY LIFTED? 

On Friday XX/XX/2020 in the afternoon ... ... I tried at least 10 times by phone and several times via the internet to have the temporary freeze removed ... ... .in other words to reinstate the freeze.

No customer service selection was available on the phone voice response system. I could not speak to a customer service representative because there is no option to select to be able to speak to a person.On the internet site for Experion ( Experion.com/freeze ) there is NO OPTION TO REINSTATE THE FREEZE. I spent over 1 hour trying to contact Experion to reinstate the freeze on my credit.
This Company left me vulnerable to identity theft by NOT AVAILING THE PUBLIC ACCESS TO CREDIT FREEZE SERVICES.

This Company should NOT BE IN THE CREDIT BUSINESS SERVING THE PUBLIC?

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