vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian continues to report items on my report that aren't mine. I asked for a validation of those debts over a month ago and they refused to respond. 
1. XXXX XXXX XXXX ( failed to mark the items as disputed ) 2. XXXX XXXX XX/XX/XXXX ( failed to mark the items as disputed ) 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX They have not verified anything. I never gave them permission to furnish these items 1681 ( b ) ( 2 ). Please remove these items from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was selling a dress on XXXX and " XXXX '' sent me a message asking for pictures to be sent to her email address. We then began communicating via email and she said her daughter wanted the dress and that she could only pay through money order. A couple days before it arrived at my address, she stated her husband mixed up their bill payment ( money order ) with the one for me. The amount I was supposed to recieve for the dress as XXXX dollars although te money order came with {$850.00}. I deposited the money order and waited for it to clear into my WSFS bank account before sending the remaining " bill money '' back to her. They did actually show up in my account which is the only reason I sent the money over. Using XXXX, I sent her the remaining funds {$770.00} to her zelle account which is also through WSFS. A couple days after that I looked at my account and noticed the money had been removed by the bank due to them realizing it was fraud check and I discovered the XXXX for the money order was actually my money being removed since the check was fake. Not only did WSFS deduct additional funds but I could not recover my funds from the buyer, XXXX, or the bank. This was the remainder of my savings and was also bill money now I am behind on all my bills. There was also another person fowarded in the emails called XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. All 3 credit did not respond to my right as a consumer and I feel that they Violation my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a fraudulent inquiry showing up on my credit that I dont recognize or did I authorize. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft VERIZON Account Number : XXXX This is not mine. 

2. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed out Dispute letters about the debt and all the other wrong info on 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
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
RE : ATTACHED 2017 IRS XXXX FROM BSI FINANCIAL SERVICES XXXX # XXXX XXXX : ACCOUNT # XXXX PLEASE BE ADVISED THAT PURSUANT TO THE ATTACHED AGREEMENT THE ATTACHED 2017 IRS FORM XXXX BY BSI FINANCIAL SERVICES IS INCORRECT AS TO LENDER NAME, ACCOUNT # and AMOUNT OF PRINCIPAL OWING. 

TO COMPLY WITH IRS REPORTING GUIDELINES BSI FINANCIAL SERVICES IS HEREBY DIRECTED TO SUBMIT A CORRECTED IRS FORM XXXX WITH CORRECT ACCOUNT, AMOUNT OWING AND LENDER NAME AND TO PROVIDE COPY OF THE CORRECTED TO XXXX AND XXXX XXXX. 

THANK YOU FOR YOUR IMMEDIATE ATTENTION TO THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: MD

Complaint narrative:
I signed up for XXXX high speed internet at the end of XX/XX/XXXX or the beginning of XX/XX/XXXX. I cancel my service and returned the equipment because a support representative was schedule to come to my home and connect my internet because i was unable to connect to the internet. I spoke withh XXXX they did not resolve my issue or stop billing. Now I am receiving attempt to collect a debt from RPM also known as receivables performance management LLC. In which that company went to court in Nevada to stop all business pratices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
Ive contacted the credit burea 4 times in writing with certified mail asking them to provide status on bankruptcy on my credit report. They said XXXX XXXX verified, which XXXX XXXX  does not show any bankruptcy on my credit file. they have lied and said the court house told them I have a bankruptcy, which is a LIE and wrong, because the courthouse sent a letter saying i do not. I sent the burea a copy of my report and they still have done nothing and say its verified. this is costing me thousands in interest rates and denials. I am getting really frustrated by Experian lying about this constantly. 

there is no authorization needed. they have to stop lying and hurting my credit. this is wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 10.75 % yearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 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: FL

Complaint narrative:
On XX/XX/2021, COMMONWEALTH FINANCIAL appeared on my credit file. I do not owe this debt. I have -- and have always -- had medical insurance. Has this company even attempted to bill my insurance company? What is this debt for? What was the date of service? I want this removed from my credit file immediately. Have they even sent me anything in the mail to validate this debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These are fraud accounts, I didn't authorize these inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are fraud accounts, I didn't authorize these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
On XX/XX/2021, Kia finance dropped my credit rating of XXXX to XXXXbecause I didnt pay {$120.00} for the last payment on my excise tax. I had been paying this amount right along and they have always accepted these payments in this way for my previous lease also. It seems that they changed their policy and wanted it all at once. I was never notified. I contacted them and was told that there was nothing I could do. I have never been late on any car payment or excise tax. I had no knowledge that they had changed the policy. This is way too harsh. Im very proud of keeping my score above 800 and this is extremely unfair and unjustified. Any help will be much appreciated. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
So sadly my Father passed away. 

He had 3 account with SPS, all 3 are mortgages, they got wind of it and decided to stop his pandemic assistance on the loans. 

NOW they are making it extremely hard to get me added to the account, we have sent in the Death certificate as well as the will showing me as the successor, they will NOT add me to the account so I can reinstate the pandemic assistance. 

I feel like they WANT us to fall into default here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aqua Finance, Inc.
State: TN

Complaint narrative:
The account is paid in full NOT a charge off. Aqua finance sent a Paid In Full letter reflecting the {$6600.00}. But has yet to update the credit reporting by removing tje charge off. Because of their inaccurate reporting my credit score dropped 57 points. 
The amount they claim is paid on my credit report of {$5100.00} is also inaccurate. My husband had our credit union mail them a check for the total amount to have it paid in full at {$6600.00}. There is a clear discrepancy of {$1500.00}. I was a co-signer on my spouses account. This fraudulent reporting is damaging my credit which I work hard on keeping it in great standing. This shows by my personal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I mailed out my XX/XX/2021 mortgage payment to XXXX XXXX in XX/XX/2021, using the reply envelope XXXX offers with every monthly billing statement. I've never missed a payment arriving on time in several years with XXXX, except for the XXXX payment. XXXX mailed a past due notice for the payment on XX/XX/XXXX, along with assessing a late fee charge. I contacted XXXX to contest their actions, stating the payment had been mailed and cleared Bank of America where I have a checking and savings account. However, I discovered the check had been altered. My account number on the memo line was written over with a different account number, and the check was signed by another party - a person I do not know. Plus, there are no other signors on my account. And the check was stamped by XXXX. My several conversations with XXXX have resulted in the institution refusing to recover the funds, stating the transaction was done from an ATM. I was pressed by XXXX for a second mortgage payment and to file a complaint with Bank of America. I paid the mortgage a second time and filed a complaint with Bank of America on XX/XX/2021. I also filed a police report and spoke to a detective on XX/XX/2021. Since XXXX, I have contacted Bank of America several times about the status of my complaint. I was informed the Bank was going after XXXX for the funds. I waited several months and heard nothing more from Bank of America, until I contacted the bank on XX/XX/2021. I was informed that XXXX declines to recover the funds and the case is closed. I was absolutely furious and contacted the local media station. I was referred to the Consumer Financial Protective Bureau. Both XXXX and Bank of America are treating me very unfairly. This is just not right! I have done business with both institutions for several years! I don't know why nor do I understand why neither financial institution will recover the funds I have lost through no fault of my own. I need help to recover the funds I was defrauded. My check was intercepted, altered, and the criminal was able to obtain the funds through two banks that should have resolved this problem by recovering the funds way before now. Please help 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 monetary relief
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERISAVE MORTGAGE CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX - Applied for a mortgage with Amerisave, submitted required documents to their online portal, called and spoke with XXXX XXXX. 

XX/XX/XXXX - Followed up with XXXX XXXX via email after several phone calls trying to see how far I was in being pre-approved so that I would know the price range and start looking for homes. Never heard back from him. 

XX/XX/XXXX - Received an email from XXXX XXXX stating my rate expired and he started a new application for me and ran another approval. I got multiple emails from the different credit reporting agencies about a new inquiry on my report. I then received another email from XXXX XXXX stating my application had been approved. Then it bizarrely asked me if I was selling my house and that I needed to lock in my rate. I got another email thanking me for the application that I did not submit nor authorize. I emailed XXXX XXXX about an hour after his email when I first saw it informing him that I never heard back since XX/XX/XXXX and did not need a mortgage loan anymore. However, the inquiries and applications had all already been submitted by him around XXXX on XXXX, likely so that I would not have seen the emails fast enough to respond.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021 I received a text message from Citibank saying a XXXX payment of {$2000.00} was being processed, immediately I contacted Citibank to explain that this was fraud and request they retract or block this payment and block my acckunt from further payments using XXXX. 

While talking to the Citibank rep. Another transaction of {$500.00} was made using XXXX to the same recipient. 

After hours of phone calls and countless promises from Citibank reps. That I would get my money back, they have DENIED my case and claim the transactions where not FRAUD. 

They have informed me that they have NOT contacted the recipient nor verified any details of how the transaction was made. Ie. No ip address check. 

I was told by Citibank to contact XXXX whom in turn told me to contact Citibank. I'd like to restate for clarity I DID NOT AUTHORIZE THESE PAYMENTS not did i ever send money to this recipient. 

I am at a loss to understand how money can be removed from my bank account woth absolutely now verification from me, and how this can be done when I call them immediately to STOP the transaction. 

I believe I my money should be returned and some type of security procedure implemented so others shouldn't suffer the way I have. 

Additionally a financial institution should not have the right to allow a non FDIC insured institution to be incloded in the mobile application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Conn's, Inc.
State: TX

Complaint narrative:
I mailed out Dispute letters about the debt and all the other wrong info on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
RE : ATTACHED XX/XX/2021 LETTER FROM SUNTRUST RE : SUNTRUST BANK COMMERCIAL LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX RE : SUNTRUST MORTGAGE INC. LOAN ACCOUNT # XXXX PLEASE PROVIDE ALL RECORDS AND THE FULL ACCOUNTING PERTAINING TO ABOVE THREE LOAN ACCOUNTS. 

PLEASE PROVIDE COPES OF RECORDED CONSTRUCTION MORTGAGE LOAN AND PERMANENT MORTGAGE LOAN PERTAINING TO ABOVE LOAN ACCOUNTS. 

THANK YOU, XXXX 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 2021-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The 3 credit bureaus were continuously reporting inaccuracy and errors with this specific account. I have submitted my last letter to them last XX/XX/2021, requesting for a reinvestigation and a copy of any legal documents to be submitted to my address or email. Nevertheless, up to present, I have not received any response from them. Thus, the 3 Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received an alert from a third-party credit monitoring service that Experian themselves not a bank or lender reporting to Experian had changed my mailing address on file ( without my knowledge or consent ), removing my apartment number. I want to correct this. 

I have tried for several weeks to login to Experian 's site to obtain a copy of my credit report, verify their address on file for me, and enable a credit freeze. 

After entering my personal information, I always get an error saying they've " encountered an internal system error, '' directing me to call a toll-free number to get support. 

They even send me emails, telling me to " simply tap below '' to finish setting up my account which, of course, inevitably leads to an error screen. 

When I call the toll-free number provided and enter my personal information, they provide absolutely no way to talk to a representative. Every single menu option eventually leads to a variation of a statement of basically " just login at our website, '' which I am obviously unable to do. I've even tried calling their corporate number, and their menu system there explicitly says that I can not talk to anyone. 

It seems as though Experian is intentionally preventing me from accessing my credit info and correcting incorrect information on my file.

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