vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-04 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: MN

Complaint narrative:
I tried to contact Experian about information on my FRAUD ALERTED account that is out of order. I was sent through a million phone menus - got through finally to a person who said Hello, I said hello and she hung upon me.

I have an active Fraud Alert - I see information on my account which leads me to believe there has been another breach. I can through to these morons who make it impossible to deal with them. Unless you want to buy more protection. All they want to do is sell you another exptension of services. They are not interested in servicing the consumers at all. 

How do I check on this new information which I believe is another inquiry by the people who stole my information?

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 2021-08-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
Lexus Financial Services did not provide me with a Bill of Sale at the time they processed full payment for my end-of-lease buyout. They also did not collect state sales tax on the transaction and advised me that it could be paid at the time of registration. The Connecticut DMV refused to register my car without a bill of sale AND does not accept sales tax payment from individuals at the time of registration, as Lexus advised they did.

Without the ability to pay the sales tax directly, and with Lexus refusing to accept a sales tax payment from me, I am unable to register my vehicle. Lexus is uncooperative, unapologetic, and unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
please check this account that appears on my credit report, without any authorization, it is not mine. 
SYNCB/SAMSDC Account Number : XXXX**** This is not mine.

SYNCB/SAMSDC Account Number : XXXX This is not mine.

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 2021-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
I have been getting repeated phone calls from a debt collector, sometimes even twice in a week ( for example, XXXX, XXXX ). I do not know what this debt would be from since Ive never received anything in the mail warning me, requesting anything, or simply letting me know of something that I may owe a debt for. At this point I think this is a scam since I receive a ton of scam calls, oftentimes receiving calls after the debt calls, saying that theyre going to take legal action ( maybe not related but seems strange ). Anyway, I havent been alerted of any debts that I owe in an official manner, so why would I think this is legitimate? By the time, Im able to call, they are closed ( Im not with my phone during work days ). I also looked them up and the reviewers are all saying that theyre being harassed for a debt they never owed, like me, or that theyve already paid an old debt are still being called, which makes me even more hesitant to get in touch anyway. I would like them to stop calling me immediately.

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 2021-08-04 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: FL

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of Identity theft after Resurgence XXXX XXXX ( representing CACH , LLC ) sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with CACH , LLC and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence XXXX XXXX and CACH LLC, hoping to remove this case. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was notified by my credit report monitoring service that the account had been posted on my report as collection

by I.C. Systems. I promptly contact I.C. Systems to try and understand what this collection was for and why it was on my report since I was not aware of any debt owed. The company has been unable to provide any information or offer a resolution. I spoke with a representative on XX/XX/XXXX, and was told that it would be best to dispute with the Credit Bureau. I took action and sent my dispute, spoke with the Bureau as well to provide as much information as I had.

The Bureau conducted their investigation and updated the record to reflect " Affected by natural or declared disaster ''. This is completely inaccurate and not at all what was reported. 

I contact the original company XXXX XXXX XXXX XXXX XXXX, and I.C. Systems again on XX/XX/XXXX, and was told that there was nothing they could do since I don't have the details about the account. Even if I tried calling to pay the debt, they would not accept my payment. 

At this point, I have no other recourse to resolve this issue besides disputing again with the Credit Bureau. I just want to resolve the issue and have it removed from my report. But this company would rather hold my credit report XXXX and not work with me to resolve 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 2021-08-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Was informed account closed due to returned payments. I did not do this. I do not recognize payment accounts added. The payment that was returned says this XX/XX/2021 - {$280.00} RETURNED E-PAYMENT posted XX/XX/2021 {$280.00} One-time Posted I want account reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
XXXX XXXX contacted me about a loan I didnt apply for, then after a year mandarich law group started contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My auto loan is paid 3 months ahead but 2 months ago the bank decided to set up autopay without my permission. Took out a monthly payment from my account and couldn't refund me the payment back to my personal checking with a different bank. Yesterday they did the same thing but I didnt have money in the checking account so now I have a fee with them and my personal bank again, penfed doesnt want to refund me the fee from my personal bank checking.

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 2021-08-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing the late payments showing on my account for XXXX XXXX  which was already fully paid years ago. They are reporting my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$110.00} Reason : Identity theft Please remove it from my Credit Report.

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 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
compromised credit file 4th attempt. lic is on file with all 3 credit bureaus

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 2021-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX as a consumer, I filed a rental application with XXXX XXXX in XXXX Ga. The application fee of {$150.00} was paid in full. I never moved in the apartment. In XX/XX/XXXX a collections account appeared on my credit report from National Credit Systems representing XXXX XXXX. As a consumer, I was in the process of finalizing a mortgage loan and a career advancement opportunity with an executive search firm. Due to the gross negligence of National Credit Systems and XXXX Apartments, my immediate credit score plummeted in excess of 100 points in mid review. It irreparably damaged my relationship with the financial institution and caused professional embarrassment with the executive search firm. My credibility was assailed. 
I contacted National Credit Systems and asked them to remove the collections report due to the gross error on their part after providing them with proof of their error. They refused to remove the derogatory entry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
I am a victim of Identity theft after Resurgence Legal Group ( representing XXXX XXXX XXXX XXXX sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX XXXX XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence Legal Group and XXXX XXXX, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: TX

Complaint narrative:
I submitted letter to the bureaus to get this information corrected and nothing was received. I also sent information to the creditor nothing was received.

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 2021-08-04 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I own the property and was renting it out since XX/XX/XXXX. My tenants experienced major hardships due to covid job/income loss. This issue started in XX/XX/XXXX and they were unable to catch up on the rent. They made a payment on XX/XX/XXXX, in which i applied it to the XX/XX/XXXX rent/mortgage. During that time SPS ( Select Portfolio Servicing Inc ) .the loan servicing company had the loan in a forbearance status. XX/XX/XXXX i was told by them that no further forbearance they can offer. I was very shocked that they would not offer any more assistance. I asked for a modification and was denied. They basically said to pay or they could offer me XXXX to move. Im trying to understand, how can i pay them without receiving rent.? Furthermore the Tennant 's are federally protected against evictions etc. Landlords aren't offered any protection thru this company at all. They sent me a letter dated XXXX XX/XX/XXXX stating that if i pay XXXX they would reinstate me. That amount is only good till XX/XX/XXXX then it will change and go up with legal fees and charges etc..I need a modification to help go current during theses extreme times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I had an over-the-phone conversation with the company by which several employees refused to obey my right to privacy. I am the ORIGINAL creditor and I have submitted MULTIPLE identity theft reports. The accounts : XXXX, XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX XXXX  - XXXX ; XXXX XXXX - XXXX are reporting fraudulently.

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 2021-08-04 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:
Hello, I have 2 hard inquiries on my credit profile and I tried to dispute them with TransUnion but they were unable to help me at all. I called and tried several times and dont know what other method to use outside of you guys in order to fix this problem. 

XXXX - XXXX XXXX  XXXX XXXX - XXXX PLEASE DON'T HESITATE REACHING OUT TO ME SHOULD YOU HAVE ANY FURTHER QUESTIONS. 

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 2021-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX I received a call from td bank asking if I need any help with my business account I said no didnt no YALL made calls then hung up so about XXXX XXXX  that same day I received a text message asking if I had tried to purchase something in the amount of {$540.00} I texted back no and awaited for my response for them to say they are gon na cut my card off but they didnt I then received a phone call at XXXX and the person on the other end stated that they were calling me from td banks fraud department and that I had some unusual activity on my account that they needed to stop I was on the phone for 40 not realizing that the person was in my account sending fraudulent XXXX payments 28 to be exact so being that my card was compromised I went to get money from my business account and saw that they had moved {$5000.00} to my personal and I couldnt even log in so I called td bank back on the number that called me they stopped {$1500.00} in payments but did not stop {$3500.00} and I still do not have money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
During a forbearance period ( back in XX/XX/XXXX with Citizens Bank NA ( DBA Citizens/Citizens One ) I was making principal payments ONLY. I was just notified on XX/XX/XXXX that I was not able to make such payments, if any payments received would also be applied to my monthly payments as well. I requested proof of this policy which I never received. 
I was asked to provide proof of all payments that was misapplied. I complied with this request and faxed copies accordingly. Said payments were NEVER applied as agreed. 

I have spent hours trying to reach a manager, the correct department that supposedly made this issue and have yet to hear from Citizens. 

Today XX/XX/XXXX I tried again to discuss this matter with a manager and was advised that the manager would NOT take the call that they would get back to my by EOD. As I type this complaint it is XXXX EST and NO callback from anyone. 

I want my payments applied correctly and proof that my loan principal amount is well below $ XXXX per my records and prior agreement from an agent by the name of XXXX XXXX and " XXXX ''. I was also advised today, that for most of the conversations I've had with Citizens, there are NO notes. Per their upfront recording all calls ARE RECORDED. Although there are no notes, they have records of my calls unless they have destroyed them ( which wouldn't surprise me with this company ).

I'm trying to pay ONLY what I owe hence, the reason I want my principal ONLY payments applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.

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