vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to XXXX XXXX XXXX XXXX ( XXXX ) for the amount. 

I received a letter from Suncoast on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the Suncoast Credit Union paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that my account was referred to them by Suncoast Credit Union for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX XXXX this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and Suncoast is not taking responsibility for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE

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 2021-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have been paying on this credit on time monthly and I get an email that they decreased my credit limit by a grand. Because of a credit score my credit score hasnt changed it in fact went up with XXXX. And only change I had was a purchase of a vehicle in XXXX which is my only other bill other than my mortgage. They changed my credit limit which up my credit card utilization and than in turn dropped my credit score and can not give me any firm answers I have spoke with them twice and even made a XXXX $ payment I am very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I filed Chapter XXXX Bankruptcy on XX/XX/2020. One of the creditors listed in XXXX XXXX XXXX XXXX, HSBC Bank USA, N.A., of my bankruptcy petition, has sent me a 2020 tax year 1099C. Under the identifiable Event code, ( XXXX XXXX ) they claim it as XXXX XXXX - " a decision or policy to discontinue collection ''. It should in fact show in XXXX  XXXX the following code XXXX XXXX " bankruptcy ''. Due to the inaccuracy I would have to pay taxes on this " forgiven '' debt versus a " discharged '' debt through the bankruptcy. 
I will file a form 928 with my taxes in hopes that IRS will realize I do not owe this and it was filed in bankruptcy however I want this changed. I know I am not the only person this is happening to. HSBC has refused to talk to me and there was no point of contact included with the 1099C when it was sent. 
I feel that this is a shady attempt to get money out of people who are already in financial despair but who have done what they were supposed to do legally, to rid themselves of the debt. 
My Discharge from the Chapter XXXX bankruptcy was dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: FL

Complaint narrative:
Over and over I contacted Equifax in regards to inaccurate information that was reported on my credit report which only led to months of frustrating phone conversing and weeks of faxing personal documents which only lead to further frustration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
Tower loan has made two hard inquiries on my credit without my consent. Once XXXX XXXX and again on XX/XX/2021. I tried to resolve with them but because my loan is late the refused to resolve the unauthorized hard inquiries on my credit. This is unacceptable.

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 2021-02-11 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: CO

Complaint narrative:
After getting my free annual credit reports in XX/XX/XXXX, I noticed a problem with a late payment with XXXX XXXX XXXX. I disputed the claim with all 3 credit reports, but all were declined because I did not provide proof of my claim that I was not late. Yesterday, I got my free credit reports from 2 of the 3 credit bureaus. The problem with XXXX XXXX XXXX still exists because I did not handle it. My fault. So, I disputed the claim with XXXX XXXX XXXX yesterday with XXXX. They accepted my dispute again with no problem, and this time I provided proof by attaching files with my dispute. BUT EXPERIAN FLAT OUT REFUSED TO ACCEPT MY DISPUTE! They stated that they already reviewed the matter. So, my complaint is about whether or not they are allowed to refuse my dispute? There are too many rules, regulations, and laws involved looking into this. If XXXX accepted it with no problem, how is it Experian is able to reject my dispute a year later? And as soon as I can access my XXXX credit report, I will dispute the same thing again. Is it legal that Experian is able to pick and choose, or reject someone's dispute on their credit file? How are people going to dont o be able to fix problems with their credit files if credit reporting agencies like Experian can do what they want when they want? Date generated : XX/XX/XXXX Report # 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 2021-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I pulled my credit report and saw a collection account from Vance and Huffman LLC I REACHED out to them and explained that this was not my account it was opened fraudulently by someone I knew in Ga that got ahold of my personal information and they also got an apartment in my name.. they told me it didnt matter because payments were made on it. I advised regardless if they made payment on it or not it wasnt mine.. they refused to listen and started trying to accuse me of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/2021, I received a text message from XXXX  informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXX.My heart raced as I called Capital One to see what had happened. I keep a XXXX  balance on all my credit cards,20 cards XXXX balance. When I got in touch with Capital One they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank XXXX XXXX nor Capital one. There has never been a time that I did not have {$19.00}. I pride myself on having a XXXX  balance. I knew I had no debt or thought I had no debt. Capital One reversed all charges, late fees. XXXX XXXX apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. Capital One account # XXXX XXXX XXXX XXXX, XXXX XXXX account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-11 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2021, I received a text message from XXXX informing me my credit score had changed. I thought fantastic maybe it went up because I have excellent credit. My score was XXXX at the time, and I look almost every day. But when I looked it had dropped to XXXXMy heart raced as I called XXXX XXXX to see what had happened. I keep a zero balance on all my credit cards,20 cards zero balance. When I got in touch with XXXX XXXX they said I owed {$19.00}, I said for what and they said it was an annual charge. I said why wasn't I called or notified by mail, or email. She said lots of things don't work the same as they use to, due to the covid. I said I should have been notified. Look at my credit and you will see that I never miss a payment. I was not properly notified by my bank Wells Fargo nor XXXX XXXX. There has never been a time that I did not have {$19.00}. I pride myself on having a zero balance. I knew I had no debt or thought I had no debt. XXXX XXXX reversed all charges, late fees. Wells Fargo apologised for not tying my checking to overdraft. Please help me I feel so taken advantage of by people you can't even talk to. I really have done nothing to deserve this. XXXX XXXX account # XXXX XXXX XXXX XXXX, Wells Fargo account # routing XXXX checking account # XXXX. You can look and see all my accounts I had plenty of money in the bank $ XXXX {$15000.00} total in several account 's. Also I feel that the covid 19 has factored in on the way things are handled at banks and financial institutions. People are working from home. Lots of people are new to these jobs and things are getting passed over. It's not fair to ruin ones credit for {$19.00} and especially when they were not properly notified. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. XXXX phone XXXX XXXX XXXX Email 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 2021-02-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX regarding an unrecognized account on my credit report from FOREST RECOVERY SERVICES. XXXX  responded back to the dispute indicated they were able to verify the debt however Forest Recovery has never sent me any notifications under the Fair Debt Collection Practices Act ( FDCPA ) that I owe any debt nor did the status of the dispute update. It still a status date of XXXX which means XXXX never investigated and never provided any documentation with my signature on it to legally verify this debt is mines either. THIS IS A CLEAR VIOLATION OF FCRA. 

I did some research and learned the the XXXX XXXX XXXX XXXX died in XXXX. So they are attempting to collect on an account from a deceased doctor and that I have never did business with. 

THIS DEBT IS NOT MINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
In XXXX I was closing on our home through Homebridge financial. There was an issue I couldnt get resolved through their proper channels so I submitted a complaint. Complaint number XXXX was closed on XX/XX/XXXX by Homebridge with the response that they would give {$1000.00} in monetary relief. As of XX/XX/XXXX I have yet to receive the check. After many phone calls to Homebridge they have stated that they are not aware of any money they owe and are not aware of the complaint made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XX/XX/XXXX, I mailed a letter requesting an investigation of inaccurate accounts on my credit report. I never received a response so on XX/XX/XXXX, I mailed another letter addressing that. Still no reponse, so I mailed another letter on XX/XX/XXXX. It is now the middle of XXXX and I am still being injured by these accounts. NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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: CITIBANK, N.A.
State: NY

Complaint narrative:
There is a DSNB MACYS account reporting on my credt. I have no IDEA as to what this account is and believe it was opened fraudulently. Upon contacting DSNB they told me that they have someone else 's birthday and last name associated with the account. I woud like this account to be removed from my credit profile as it doesnt belong to me.

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 2021-02-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2020, it has now been months since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11 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 — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
A fraudulent charge was reported to XXXX, the company whom handles fraud claims for XXXX XXXX, Continental Finance. The details are included here : XXXX XXXX {$350.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX This charge was reported to XXXX along with another charge from XXXX on XX/XX/XXXX, which was credited back on XX/XX/XXXX in the amount of {$370.00}. However, the XXXX charge still remains outstanding. I was told to speak with a XXXX in fraud at XXXX, ext XXXX, two messages were left and none returned. I've since spoken with several customer services reps as well as a supervisor as of yesterday, XX/XX/XXXX, additional messages were left for her. It appears the XXXX dept does not return calls and appears to be an issue with the XXXX charge itself. I've reached out to the merchant, was told a phone was ordered which I have not received and have no use for as I already own a cell phone. This was explained to XXXX rep ( s ), was advised to inform bank of fraud, which I already have.. Unfortunately, reps in fraud do not seem to return calls so there is no way of know what is going on with regard to this charge.

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 2021-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XXXX, after checking my credit report, I noticed I had a collection agency charge for {$3100.00}, with the original debt collector being XXXX. 


After calling the debt collector, I was told the the account was open in XXXX. I explained that I was still in high school, never had heard of the address that they had on file, and had never opened an account with XXXX. I asked for a copy of the contract with my signature and some identification that showed I had opened the account. It was explained that those records could not be provided due to the length of the account. I filed a dispute with that company and all three credit bureaus. 

The account was removed. 

On XX/XX/XXXX, the information again appeared on my credit report. I immediately filed a dispute with the credit bureaus. I called Convergent Outsourcing explaining the situation and what steps to take to get the item removed. The agent told me that I would have to provide them with a police report. At this point, I have never had any contact with this company. The address that she had on file was one that I had never heard of. I provided the agent with my address to send all correspondence. At this point, this account is not and was never one that I owned and I am requesting that it be removed 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 explanation