vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Monday XXXX-2021 @ XXXX XXXX I received a text message from my banks fraud dept. advising of a {$450.00} charge to XXXX and if I recognized it, I responded NO. Then at XXXX XXXX immediately after the text message I received a call from a man that claimed to be from my banks fraud dept. ( the phone number was from my bank ). The man advised me that our debit card had been canceled and a new one was already ordered. The man disclosed all my personal info including my secret 4 digit code that only my bank and myself is supposed to know. He then disclosed my mothers maiden name which is too only to be known by my bank and myself. Once he disclosed my personal info he asked me to verify my online banking user name and password which he also knew, I just confirmed it. The guy then sent me to text from my banks phone number displaying security codes that would give him authorization to access my account. He then explained to me that my account would be suspended temporally to protect from further non authorized charges. At that point he asked if I had any other questions which I said no and the call was ended. Then at XXXX XXXX I received another text from my bank advising of a {$1100.00} charge that was just made from my account. 

I called the same bank number that I just got off the phone with and was given to a lady in the fraud dept. I advised the lady of what just happened and she said I was scammed. She took my info, closed my account and deactivated our debit cards and advised that I needed to visit our local branch to open a new account. She told me not to worry that she had been working on this scammer all day and that I wasn't the only victim. 

On XX/XX/XXXX2021 @ XXXX XXXX I visited our local branch and spoke with a banker. He confirmed everything and excused himself while he made copies of the documents I brought with me. When he returned he advised that since this situation was my fault that opening a new account would likely not be approved, and getting the {$1100.00} we lost would likely not happen. The banker went ahead and opened a new account but said it would likely not stay active. 

At approximately XXXX we visited our local police department and spoke with an officer to file a report. After explaining our situation to the officer she advised that it would be impossible to track down the scammer because of the bank phone number used. I advised her what the bank had told me and she felt that we were dealing with a security breach or bank employee because the scammer new all my personal info including the security keys that only myself and the bank should know. The officer give me her contact info and advised that she would call the bank to see about what she can do for us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I was notified by XXXX that in 2017 a rental debt was placed on my credit report. Although, the debt in question does not and has never belonged to me. I immediately went to the apartment located on the file, they stated that they couldnt help me, as my name was the name on the lease and I didnt match the photo. I expressed to them my identity had been stolen, but they were unwilling to give me any further information. I then proceeded to call the debt collection agency, which also stated that the debt was in my name although I had never lived there. They stated that I would have to pay, regardless. For the past few years I have been attempting to dispute it off my credit with no success. The debt collection agency will not remove it even though though I can prove they lady in photo isnt me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Upon checking my credit report, I notice an account from USAA SVG BK that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters along with my Identity Theft Report to the three credit bureaus on XXXX XXXX and XX/XX/2020 asking them to verify or remove the negative report on my credit report that USAA SVG BK were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this 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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: DC

Complaint narrative:
Lakeview Loan Servicing is the loan servicer for the mortgage on my primary home in DC. Lakeview is also responsible for collecting escrow to pay my property taxes and insurance. I pay my mortgage and escrow in a timely manner each month. 

My most recent property tax payment was due in DC in XX/XX/XXXX. Lakeview claims to have made a payment for my property taxes last XXXX, but either DC never received it or the payment was never actually made. Now, DC is charging penalties and interest on this tax payment from last XXXX. 

I realized that this payment was not made in XX/XX/XXXX while trying to refinance this mortgage. My refinance loan was " clear to close '' but came across this issue at the last step before closing. I first contacted DC 's property tax office to see why I was being charged penalties and interest for a payment I thought had been made. DC told me that they never received the XX/XX/XXXX payment and the issue needed to be resolved by Lakeview.

I then immediately contacted Lakeview. Since learning of this issue, I have called Lakeview numerous times, spoken to many customer service representatives and supervisors, and nobody has resolved this issue or told me what actually happened with this payment. I have implored on everyone that I speak with the urgency of this issue and the damages it is causing me : primarily that ( a ) I am being assessed penalties and interest on a payment that Lakeview was responsible for ; ( b ) I am unable to close on my refinance, costing me additional daily interest ; and ( c ) making me unable to take this property tax payment on my XXXX federal income taxes, costing me additional income taxes. 

I have grown exhausted and disgruntled with Lakeview 's inability to resolve this property tax payment. They have caused me significant stress, wasted my time sitting on the phone while not giving me answers, and are costing me money by making me unable to refinance this loan.

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 2021-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Currently Shellpoint MTG is reporting a deferred balance on my loan of {$82000.00} that i have no memory of, i have tried to escalate the issue with them multiple times by phone and even via their electronic customer service portal but they do not respond. 

I have lost hope on what to do and how to get the answers that i seek as the deferred balance is half of the outstanding mtg payment of {$160000.00} i ran a deed search and have found that there is nothing there justifying the amount and again no one gets back to me or treat me fair when i try to resolve the issue i need someone to help me resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX has responded. I am asking that you have Equifax and also XXXX DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
NISSAN MOTOR ACCEPTANC Inquired on XX/XX/2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card from CCB/XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CCB/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXXXXXX XXXX XXXXXXXX Acct # : XXXX XXXX & XXXX Acct XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX with no successful resolution. XXXX XXXX, and TransUnion reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a credit card from XXXX/XXXX  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days 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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
My Synchrony credit account was given to a Legal - collections company called XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX. I have tried for over 3 months to get in contact with this company to pay the debt. There is seldom anyone who answers the phone and when I do get someone i can never reach them again. In the meantime, while I did agree to a settlement and payment date to avoid a court judgement, I never received the documentation and settlement agreement and was never given the option to pay. I have called and left messages and never received the call back. 
Basically I can pay or settle the debt and have gotten threatened with Legal actions in the interim. 
The phone number I have XXXX ext XXXX XXXX XXXX - Account representative. 
If someone could please help me in addressing these issues and avoiding any more threats of legal actions or collections. I want to pay my bill and clear this- however they are not providing the resources to do so. 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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a credit card from XXXXLNBRYANT  account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/LNBRYANT  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/LNBRYANT  with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
Dear CFPB, In XX/XX/XXXX i was notified by the credit reporting agencies that a collection account was put on my file. When i checked it was from COMMONWEALTH FINANCIAL SYSTEMS , INC . But i never received a notification from the above mentioned debt collectors. so they put this account on my credit without giving me the chance to verify or validate it. I then got in contact with COMMONWEALTH FINANCIAL SYSTEMS, INC and requested a validtion of the alleged debt. In XX/XX/XXXX i received a bill from COMMONWEALTH FINANCIAL SYSTEMS , INC . so i requested validation of the debt again and have yet to receive it. COMMONWEALTH FINANCIAL SYSTEMS, INC has sent me another itemized bill instead of validating the debt they claim i owe. i noticed on the bill that the client they claim i owe is in XXXX Maryland but i have never been hospitalized in XXXX. please find attached copies of my communication with COMMONWEALTH FINANCIAL SYSTEMS, INC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, SYNCB/PAYPAL Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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