vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a State of California Tax lien on my credit report they removed a long time ago, after receiving the tax lien document, 2 years later after months of not monitoring my credit they inserted the tax lien on my credit report, this time when they re inserted it, they duplicated the tax lien fraudulently increasing my debt from {$20000.00} to {$55000.00} they are in violation of the Fair Credit Reporting Act section 623, and in violation of U.S. Code ss 168i, this is willful violation by the credit bureau if this problem continues to persists, resulting in a lawsuit against equifax. Equifax swore under oath not to report anymore judgements, liens, or public records except for bankruptcies if the statute of limitations has not run out for that to be reported. They continue to lie about not being able to delete, which is clearly a tactic used to discourage the consumer from disputing, I know the laws, my rights, what they are, and are not supposed to do, They will delete the tax lien and the duplicate immediately, or I will sue, XXXX, and equifax had complied and removed the lien, and equifax is the only one that is in no ln compliance. And they are also reporting it past the statute of limitations by fcra for credit reporting anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I recently paid off my mortgage with Citizens - XXXX balance. No issues there. Then I accidently sent another large payment of $ XXXX ( intended for another mortgage ) to Citizens on XX/XX/XXXX. After realizing my error two days later I called Citizens to notify them and understand their procedure. I was told that since the balance was XXXX, they would be mailing the check back to me. Instead deposited the check on XX/XX/XXXX and posted it to the account under suspense. On XX/XX/XXXX they XXXX  out the account again. After multiple calls with no answers, I was told they put it in the mail on the XXXX. It is now XX/XX/XXXX and once again, no check in the mail. After multiple ADDITIONAL calls I still do not have my money. It's not posted to the account, it's not in the mail, it's nowhere and Citizens will not help me. They've put me on hold, they have hung up on me, they have told me a manager would call me back, they have told me its in the mail, etc. This is absurd. No one will help me and the will not give back my money- they have kept it for 19 days so far. Keep in mind, the mortgage was PAID OFF!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened : XX/XX/XXXX {$290.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: TN

Complaint narrative:
I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 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: LEXISNEXIS
State: FL

Complaint narrative:
I XXXX XXXX gave full permission and also include my id on this complaint XXXX Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, CA XXXX RE : My Credit Report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX Enclosed are the following : x A copy of my credit report I received from your company. The fraudulent items are circled. 
x A copy of my Identity Theft Report and proof of my identity.

x A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Your Name Enclosures : Copy of Credit Report Identity Theft Report Proof of Identity FCRA 605B, 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Navient Solutions, LLC.
State: IL

Complaint narrative:
This debt is an educational loan through Navient/Sallie Mae opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for Sallie Mae on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that Navient was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to Navients website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Recently my XXXX XXXX VISA account was purchase by Barclays MasterCard which now holds all the records for the account. I believe they also have the authority to withdraw my monthly charges from my bank account. When I received my new Master Card XX/XX/2021, I activated it and visited their website to check on my account. I found that there were two recent charges made to my VISA account now showing on the new Master Card account from a merchant named XXXX XXXX : XX/XX/2021 - {$150.00} XX/XX/2021 - {$170.00} I attempted to contact the customer service number listed on the Barclays Mastercard, XXXX, the same day but was left on hold until the battery on my phone died, over 1 hour. Later the same day I found a way to lodge a dispute on their website which I did, but to date, have had no acknowledgement from them so I continued to try to reach them by phone but never got past their recording that a " relationship manager '' would be right with me. 

I was able to e-mail the merchant involved, XXXX, which immediately acknowledged my complaint, advised me that another charge had been made on the account on XX/XX/XXXX, for {$17000.00} and offered to refund the unauthorized charges if i could not get the credit card company to reverse them so I continued to attempt to make contact with Barclays Master Card on a daily basis. Finally on Saturday, XX/XX/XXXX, after holding for another 45 minutes, a relationship manager, XXXX, took my call. After reviewing my account, she seemed to understand which three charges were unauthorized and agreed to void the new Master Card account, open a new one dropping the fraudulent charges, adding three authorized charges, and send me a card for the new account. Received the new card on Monday, XX/XX/XXXX, but according to their website the unauthorized charges had not been dropped although the charge from XX/XX/XXXX, XXXX have been reversed. I have not activated the card. On XX/XX/XXXX, I receive a paper statement indicating that I must pay the {$570.00} dollar balance by XX/XX/XXXX. Of that total {$510.00} of the charges were unauthorized. 

Yesterday, using Barclays online service, I updated my claim regarding the unauthorized charges including the one from XX/XX/XXXX. I have still received no acknowledgment from the of either of the claims. 

While writing this claim I have been on hold with Barclays for another 45 minutes.

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
Receivables Performance at XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$780.00} that is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company

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 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX XXXX calls me daily twice a day during work hours. Their calls are stressing me out and I am starting to have anxiety because of their daily calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.

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 2021-09-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This debt is an educational loan through XXXX XXXX XXXX XXXX a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This debt is an educational loan through XXXX XXXX opened as a joint account with my husband on XX/XX/XXXX in the amount of {$10000.00}. The monthly repayment of {$140.00} began on XX/XX/XXXX. The account was for educational service through XXXX XXXX XXXX for my daughter. 
The debt subsequently was included in a Chapter XXXX bankruptcy filed by my husband which was entered on XX/XX/XXXX. The amount of the claim for XXXX XXXX on the bankruptcy petition was {$7900.00}. An Order of Discharge was granted under 11 U.S.C. 1328 ( a ) by the United States Bankruptcy Court on XX/XX/XXXX. 
During the process of applying for a mortgage loan on XX/XX/XXXX, it was revealed that XXXX was on my credit report showing that the responsibility for this debt is individual with a balance of {$14000.00}. I was able to go to XXXX website and register for an online account using my social security number and date of birth. At this point, it was discovered that this account is the same account that was discharged through bankruptcy under my husbands name on XX/XX/XXXX. The details on the loan that is under my name and social security number states that the unpaid principal of the loan is {$7800.00} and the unpaid interest ( at a rate of 11.25 % ) on the account is {$6600.00} with a current balance of {$14000.00}. The loan also states that it is a private loan for XXXX XXXX XXXX XXXX with a disbursement date of XX/XX/XXXX. The original principal is {$10000.00} with the student being my husband. The loan status is currently in administrative forbearance due to the COVID-19 pandemic.

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
At XXXX-EST today XX/XX/XXXX, I received a text saying " Your Chase card needs attention. Please go to chase.com or call XXXX. I called the number because my wife and I are working to resolve a current problem with Chase. A " representative '' named " XXXX with employee ID of XXXX '' asked for the credit card # and my last 4 social security numbers... which I provided. My wife overheard and thought it was suspicious and we hung up shortly after. I then called Chase at XXXX and was told the text was not from them and they didn't recognize the XXXX # as one of their call back numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
1.XXXX  XXXX XXXX 2.CAPITAL ONE 3.XXXX XXXX XXXX  I did not authorize nor give my consent. please remove them immediately. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I have been disputing this account for some time now with VANCE AND HUFFMAN. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't provide valid sufficient documents pertaining to this account that it would automatically deleted from my credit reports. I am sure there is a law that proves it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Vehicle loan or lease — Loan
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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
On XXXX a payoff check was sent to XXXX/Bridgecrest in the amount of {$67000.00} matching the payoff quote given to me by XXXXBridgecrest on XXXX indicating a 10 day payoff amount of {$67000.00} good until XXXX. 

The payoff check was received by XXXXBridgecrest on XXXX as indicated by my online portal at Bridgecrest.com. The account showed " Paid in full ''. 

On XXXX a check in transit for the next months payment was received by XXXXBridgecrest after the account was fully paid off and was cashed by them. The online portal showed it as a " NORMAL PAYMENT '' even after account was paid off. 

On XXXX I received a check from Bridgecrest in the amount of {$110.00} which does not reflect the correct overpayment for the payoff. I should have received {$110.00} for the time between the check was sent and the expiration of the payoff quote which I agree with, but I should also have received the additional payment that was received by Bridgecrest after the payoff and that was cashed by Bridgecrest. The amount of that check was {$1100.00}. 

In total I am owed a refund of {$1200.00} of which only {$110.00} has been paid to date by Bridgecrest. The additional amount still owed is {$1100.00} that was received and cashed by them after the account was already paid in full. 

Upon calling Bridgecrest at XXXX on XXXX at XXXX Pacific Time, I was informed that they have no timeframe on when I can expect my {$1100.00} refund and that it is still being worked on, several weeks after the account was already paid in full.

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