vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-22 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: NC

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 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 2020-10-22 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: TX

Complaint narrative:
I pulled my credit report on Equifax and found 3 previous addresses listed where I have never lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XXXX I applied for and received a BJS Mastercard from Comenity Bank but because the interest rate was so high I never activated it. At the time I also applied for, paid and received a BJs membership and I used the membership in XXXX only. 

Because I never activated the card, I didn't think a new charge for membership could be added to that card so I never checked notices from BJs until XX/XX/XXXX. I called BJs and Comenity to straighten this out several times saying I never activated the Comenity Mastercard so how could a membership be charged. I told them I had lost the card and if they would send me a new one, I would get a membership. They sent a letter saying they could not validate my address so I couldn't get a new card. 

I called again and told them to cancel everything. Comenity had ruined my credit report saying I defaulted on payments and kept charging me fees. Now my balance was {$180.00} for a credit card and membership I did not have or want. 

From XX/XX/XXXX until XXXX XXXX I made at least 5 calls and was  assured my balance would be wiped out and the card discontinued. Although I do not want this card, I am not sure they have discontinued it and on XX/XX/XXXX I again received an invoice with a balance of {$85.00} which I have paid out of fear that my credit report would continue to tank. 

I also sent a letter to Comenity stating I wanted to contest the fees and in response they said it had been taken care of. 
I am XXXX years old and have had credit and mortgages for over 40 years and have never defaulted! 

I have been very upset over what was originally a {$55.00} membership I told them I did not want and have never used either the BJs membership or the Comenity mastercard. 

Can you help? XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
This involves XXXX XXXX My account was hacked back in XXXX. There was a bunch of unauthorized purchases all in one day that I did not authorize. We have tried to get in touch with anyone that could help they customer service and still havent been helped. Get nothing but the run around. We have spent over 100 hours on the phone trying to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
California auto finance has tried to scam me from the beginning. From the first payment they lied about fees I didnt own called me a liar and my fianc a liar. Gave my fianc all the information from my loan when he is not on my loan. They have gotten into arguments with my insurance company because they where trying to charge me for not having insurance when I did and tried to charge me for it still with proof. I spoke with them letting them know that due to COVID-19 I was struggling to pay but that I would have payment. I always pay. They call my cell between 3-6 times a day sometimes with multiple text saying I owe them. They call me even when I give them a date that I will have payment. They call my job multiple times a day call my coworkers liars and pretend to be sibling. My coworker cried once from the lady stressing her out too because of how many times she called in one day. My coworker said she kept calling her a liar. ( I was not in the office at the time ) they leave me threatening voicemails like Im going to come to your job today which sounds very threatening to me. I am so overwhelmed by these people I have had mental breakdowns and I have been having trouble sleeping and this has really effects my job performance. This has honestly been the worst experience I have ever had. I went from promotion talk to my general manager questioning my performance. I need help! I cant even talk to them anymore in fear they are going to threaten me and ask for more money. I have proof of all of this and i do t know what to do anymore. My payment was only a few weeks late and paid for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Hello, I have recently been dealing with paying a debt collector that has been placed with my ECSI account ; ECSI over the years has repeatedly tried to contact me since the start of my repayment of my XXXX student loan of XXXX ; however, upon each time I tried to log in to handle repayment of the loan, I would be taken to circular logging-in issues. Eventually, they started collecting through an agency. It is not until now that I go to log in to ECSI, for the first time ever. Is this fair that they I'm at the mercy of a collections agency still? I can pay the loan off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I reported fraud on my checking account for a XXXX payment to my bank .I just received notice that the bank has determined no fraud was committed. I informed the bank my XXXX  was lost/stolen and my debit card info was on the phone. a few days after it was lost/stolen someone use my card for XXXX at XXXX. I went to XXXX and was told it was used as a XXXX XXXX, either to pay a person or a bill. I do not use XXXX XXXX. I filed a fraud claim with the bank and i just received notice that the temporary credit will be reversed in 14 days. 
There seems to be a systemic problem with banks siding with vendors instead of customers. If my card info was literally stolen and used, why should I have to pay for it. 
Why should I go without XXXX of my hard earned money while some thief benefits. 
NFCU did not contact me before making the decision to reverse the credit or explain to me what supposed evidence they used to determine there was no fraud on my account. 

I filed a claim for my stolen phone with XXXX but they didn't bother asking me to provide any supporting evidence. 

On your next examination of NFCU your office should review their debit card dispute process and look at how much they side with a merchant or thief instead of their members they claim to protect. I'm sure i'm not the only customer they've done this to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX  anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies XXXX XXXX XXXX XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to AFNI XXXX I am holding them responsible and want them prosecuted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good Morning Error was detected on my credit report and filed an investigation into the matter utilizing Experians online dispute portal Experian Report # XXXX Written dispute sent directly with the company ( XXXX ) that filed the incorrect information and company has failed to response as of the date of this compliant. 
Despite no response from the company, Experian verified the information Experian 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 others and previous civil ligation, I have received zero correspondents from the original creditor. Company directly submitted information to credit bureaus without notification or validation and Experian 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 2020-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
My mortgage was sold to BSI Financial Services. I am in the middle of a flood claim and have a check from my flood insurance company, but it has to be endorsed by the mortgage company. BSI refuses to answer any phone calls or email me back, and I have been unable to speak to them, and in the meantime I owe TENS OF THOUSANDS of dollars to my flood repair specialist that I can not pay because I can't cash the flood insurance check without BSI 's involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 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: FIRST HORIZON BANK
State: TN

Complaint narrative:
I recently paid in full on an account with First Horizon. I actually overpaid and when I contacted them for reimbursement I explained to the representative that I wanted a refund. He proceeded to tell me to just charge the funds. I then explained to him that I wanted to pay off the account and never use it again. He suggested I close the account. I said to him IF I CLOSE THIS ACCOUNT IT WILL AFFECT MY CREDIT REPORT he said NO IT WILL NOT. He assured me of this and said they would close it anyway. HE PROMISED ME THAT IT WOULD NOT AFFECT MY CREDIT. I PAID OFF THE ACCOUNT!!!! I told him if that was the case then I requested that he close it PER MY REQUEST My credit score WENT DOWN due to this particular reason which it states on my report. I want that fixed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies Receivables Performance Management XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to XXXX XXXX I am holding them responsible and want them prosecuted

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 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
I opened account # XXXX with Toyota motor company and my son XXXX XXXX was the co-owner of the vehicle a 2009 XXXX XXXX. Unfortunately, I fell upon some financial hardship and a XXXX filed a XXXX XXXX bankruptcy. My son had never filed bankruptcy and has never filed bankruptcy. The XXXX was being paid monthly in the bankruptcy payment. In addition to those payments my son and I made additional payments which not only kept in line with both the original contract for the XXXX but also with the bankruptcy contract. 

We have the payoff letter and received the title to the vehicle. 

Essentially, the XXXX was paid in full before the contract end date. There was an over payment made that Toyota refused to return to me until I filed a report with the XXXX. 

Toyota is now reporting the Bankruptcy on my sons credit report. My son does not have a bankruptcy in his history. We contacted Toyota and asked them to adjust the information they are reporting to me sons credit and they refused. 

I am hoping you will be able to assist with this. Again, the vehicle was paid in full before the original contract or the chapter XXXX  contract date was reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a debt on only one of my bureaus which is Equifax. The debt belongs to my deceased father XXXX XXXX XXXX XXXX. I NEVER lived at the residence and I AM NOT liable for his debt just because we have the same name. The company name is : The XXXX AT TR ACCOUNT # XXXX The next item is because of COVID-19 that I got behind on this account. And that account name is : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Wrong information is appearing on my credit report after it has been resolved with the company. 
I filled a complain and XXXX removed it out my credit file, but it still appeared in my credit files.

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 2020-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
card XXXX been here for 26 years. it appears someone in my home used my card this card ordered a computer. with my card. i dont know if they inputted it in XXXX XXXX or what no computer is here i believe they ordered it as if it was me and then picked it up if it ewas delviered. this is FRAUD i called it in on XXXX today now showing showing CLOSED investigation i show no new card. what is happening? i provided possible names. i did not order it. i have left messages for person i suspect i provided no details to XXXX XXXX please investigate credit and issue new card

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : TransUnion is reporting a payment status of 90 days late, XXXX is reporting no late payments and XXXX is not reporting this account. XXXX XXXX XXXX : TransUnion is reporting a payment status of 30 days late, XXXX is reporting a status of 30 days late, XXXX is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX TransUnion is reporting an open date of XX/XX/2019, XXXX  and XXXX are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX  and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation