vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-01 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: Kikoff Inc.
State: NY

Complaint narrative:
This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.

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 2021-07-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: PA

Complaint narrative:
On XX/XX/2021 I change homeowners insurance my new rate was way less. The insurance company along with my self on XX/XX/XXXX notified my mortgage company. They responded with they paid my old homeowner policy already. I ask why because I was still in the right time frame to renew or change. There response was they always pay 3 weeks in advance ( News to Me ) So anyway I ask them to adjust my mortgage and they gave me a run around that I actually followed by calling the suggested departments. Once in the right department ( Financial ) I was told they informed me that I'd have to wait a few days. It is now XX/XX/XXXX and still no adjustment.

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 2021-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
the following accounts appearing on my credit report do not belong to me Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01 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: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX upon checking my credit score it was discovered an account I had since XXXX ( CareCredit, Synchrony bank ) was unexpectedly closed. This account was in good standing and had XXXX balance. I made contact with institution and was informed they closed account due to inactivity, high risk, and pulled credit report. My credit is in good standing and activity on account was last used in XX/XX/XXXX and balance was paid in full in XX/XX/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 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
I live in a XXXX family home, since Ive been here Ive had problems with people stealing out of my mailbox, cards disappearing and more and in that time I had to get a police report. After that, I did apply for the usps ( inform me ) in which notifies me of mail. When that account with XXXX was open I had XXXX XXXX cable company and not XXXX. When I applied for XXXX After having XXXX XXXX. I was told that I already had an account with them. Which is false. Ive tried disputing it but recently they sold my information to another creditor which came back onto my credit report, that eventually affected my score making it drop once again when I was in the middle of trying to get a home loan for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I opened an Bitcoin account with Coinbase a couple years ago and never tried to access the account until a month ago. After entering the correct user name and password, and security code, I was told my machine was not the one I opened my account on. So I drove 3 hours to retrieve an old computer that I opened the account on. They still would not let me access my account, saying they needed me to respond to an email after putting in all the right credentials and security code. The email never arrived. I contacted Coinbase support, which must be a robot and not human. I was told my system blocked their emails -- even though they got 5 or 6 emails through to the same email address during this fiasco. They then said I needed to set up a new account and they would transfer the bitcoin to that account. I asked them to call me. No response. I asked them to simply convert the Bitcoin to cash and put my money back into the bank account it came from. No response. After divulging a massive amount of personal information, I received notice my new account had been set up ( see attached ). But when I tried to access it I was told the XXXX ( same one I set the account up on ) was not recognized and asked to verify I lived in some city I have never heard of ( XXXX  ). I no longer trust this company and have received a warning their messages may be dangerous ( see attached. ). They have thousands of dollars of mine and no longer even reply to my messages to the help center.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
This is now the third complaint I have filed against NMAC. I mailed off an Affidavit of Truth, Debt Validation, and Cease and Desist Letter in NMAC had 30 days to respond. NMAC continues to dance around the facts that I have stated and I am disappointed in how the situation is being handled.

NMAC continues to violate my rights as a consumer and continues to take advantage of me. NMAC is in violation of the Truth in Lending Act, Fair Debt Collections Practices Act and Fair Credit Reporting Act.

In the previous complaint, NMAC provided the contract in which this consumer credit transaction was started. The contract showcases many violations that I have been stating before. The first violation in the contract is the seller-creditor section. I as the consumer am the original creditor, which is defined in 15 usc 1692a. Since I am the creditor, my name should be listed not XXXX XXXX of XXXX. XXXX XXXX of XXXX being listed is violation of the FDCPA 15 usc 1692j.

Among the many other violations NMAC continue to avoid, in the contract they provided, there is a section for XXXX insurance stating if the creditor requires insurance it will be included in the finance charge. I am the original creditor, my insurance should have been included in the finance charge. Again, another violation of 15 usc 1605.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp
State: TX

Complaint narrative:
During the week XXXX, Lending Club has called me 15 times. I guess they are calling me about an " alleged '' " debt ''. There is no law that actually says i have to pay any bill.

On the recorded line, the lady said that lending club was indeed a bank. According to my research, A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. According to 12 usc 1431, banks can not loan money or extend credit. Lending Club has violated my consumer rights on multiple occasions and I ask that you remove this account from my credit report. I didn't give any of the bureaus written consent to furnish a credit report on my behalf. That is also a violation of my consumer rights and federal law. Lending club is reporting an " alleged debt '' on my credit report which is a violation of 15 usc 1692b. Also, they called a phone number that's not even on the account. A number that i never personally gave to them. Which is identity theft because how did you even get that phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is trying to collect {$140.00} from me for a debt that I have already paid. They sent the debt to a collection agency, Credit Systems International. I have written to Credit Systems International demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or agreement with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money which has already been paid and for which they have no document bearing my signature. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt. I have sent XXXX XXXX XXXX of XXXX a copy of my bank statement showing a payment which they never acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: NV

Complaint narrative:
LoanDepot is not funding my mortgage, it has been 14 days since signing the paperwork, and wiring them over {$4500.00} in closing costs. They do not respond to my messages, and now I need to make a payment to my original mortgage company. It has taken them over 4 months to even get to this point, having started with them in XXXX for the refinance process. Additionally, they continually extend the locked rate of the mortgage even though rates have dropped since the original rate lock expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
the following accounts appearing on my credit report do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

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

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

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

5. Identity Theft CCB/FOREVR21  Account Number : XXXX This is not mine. 

6. Identity Theft CB/VICSCRT  Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 
Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 

8. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Bread Financial Holdings, Inc.
State: NY

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 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/KAY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter disputing an inaccurate item on my credit report on XX/XX/2021, however, i have not heard from them about the status or result of the investigation. It has been way past 45 days. I need the item deleted from my 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 2021-07-01 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: TX

Complaint narrative:
fcra violations see the ftc : remove : all on it please and the accounts attached to it : XXXX  XXXX XXXX {$13000.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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:
Continual harassment from Convergent Outsourcing , Inc . for a debt that is not mine. 

Please see upload documents for the details.

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 2021-07-01 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: OH

Complaint narrative:
I have sent several letters to Equifax and they have failed to investigate inaccuate and unverfied information on my credit report inteqad they sent me a bougus letter stating they could not locate me. This is illegal to have inacurrate items on my credit reoort when in fact they have no proof, thy even said they could not locate me. I am extremely stressed and feel that Equifax should be held by the law to delete these negative items from my credit immeditately. it illegal what you are doing and this is damaging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
When my vehicle was repossessed I was not notified that I had a right to dispute. 

Since that time the debt has been sold to another collector, but Toyota Motor Credit is still reporting on my credit report and updating it. This is after calling and trying to get information, but what was told to call somewhere else because they are no longer servicing the account and that the debt has been sold. 

At one shortly after the repossession I called to set up payment arrangements. They would not accept my attempt to set up an arrangement at all. They kept telling that the account was in " limbo '' and would not allow a payment arrangement to be set up. As a result of this I lost a job opportunity because of this debt 's inaccurate reporting on my credit XX/XX/2019 ). 

I have also previously filled a XXXX  complaint ( # XXXX ) There is also inaccurate payment history reporting to both XXXX  and XXXX credit bureaus. The account still reports as if it is open, but is also listed as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01 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: TX

Complaint narrative:
XXXX XXXX and Transunion, has not ceased in their action to report factual information on my credit report. 
XXXX XXXX and Transunion, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX XXXX and Transunion. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX XXXX and Transunion, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!

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