vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
XXXX XXXX XXXX filed a suit to collect a debt and never gave me any opportunity to review the debt. Moreover, they falsely claimed to have served me and filed suit in the incorrect jurisdiction! I havent been given any rights to accept or deny anything. I can not give an amount as I have no clue if the debt is accurate. I

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts 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 non-monetary relief
Consumer complaint received 2022-02-20 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: TX

Complaint narrative:
These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the military from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX**** ) Car loan fraud account : XXXX XXXX XXXX  XXXX Personal loan fraud account : XXXX  XXXX  XXXX  XXXX  XXXX. I would like immediate removal of all Fraud accounts 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 non-monetary relief
Consumer complaint received 2022-02-20 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:
These Fraudulent accounts has affected my life and has caused me to lose out on life changing opportunity. I just recently learned about credit, credit report and what your scores mean last year. When I finally checked I seen a lot of accounts I have never seen before or knew they were opened in my name and has caused my score to be extremely low! When I was in the XXXX  from XXXX, I heard of people stealing others information and committing fraud, but I never knew it would happen to me until I seen for myself. The credit card Fraudulent Accounts are : ( XXXX XXXX XXXX ( XXXX XXXX has multiple account numbers ). ( XXXX XXXX ). ( XXXX XXXX XXXX Car loan fraud account : XXXX XXXX Services XXXX XXXX XXXX XXXX account : XXXX XXXX XXXX XXXX XXXXXXXX. I would like immediate removal of all Fraud accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I believe that I have a claim under the Fair Credit Reporting Act of XXXX  ( FCRA ). Recently, I discovered erroneous information on an FCRA compliant background check. This information has prevented me from being gainfully employed and from opening a checking or savings account. On XX/XX/XXXX, I ran a credit report and background check ( through XXXX ) in an attempt to again find work. I have been unemployed since XXXX. Four judgment liens appeared on my background check from Bank of the West ( BOW ). These liens are both duplicative and mathematically incorrect. Cumulatively, these liens represent in excess of $ XXXX in judgments against me, and these claims have prevented me from finding work or opening a bank account. XXXX told me that I should request that BOW remove or correct the liens because XXXX had received the information from a reputable third party source ( the XXXX XXXX Court where BOW had filed their liens ). BOW has duplicated the liens in my name and has used an incorrect base from which to calculate interest. I believe that the bank has knowingly and intentionally misstated the amounts I owe and continues to do so. I believe that their violations of the FCRA and CCRAA should include fines and punitive damages. I am seeking to file an action in either federal or state court with regard to the fact stated herein. 

I have attached the multiple judgments filed against me by Bank of the West evidencing their claim of {>= $1,000,000} due. These filings are duplicative and do not represent any economic reality.

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 2022-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: TN

Complaint narrative:
on XX/XX/XXXX i pulled up my credit reports and notice accounts that i did not open. a FTC complaint was filed and attached too this complaint. sense i was young my mother has stolen used my identity for her purposes as she destroyed her own credit. at the age of XXXX i had utility 's in my name. AR resources inc has placed a collection on my credit report that i did not open use or have knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
After leasing from a homeowner named XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, the XXXX XXXX ( XXXX XXXX now XXXX  ) continued to provide Electricity in my name in the amount of {$3000.00} dollars plus during the COVID EPIDEMIC. We requested that our electricity be shut off, but they failed to do so. The company also said that I made a payment of a little over {$1000.00} and the adjusted remaining balance was XXXX, but I never made such payments. I provided all documents providing my new location, school enrollment for my kids, paying electricity to XXXX XXXX  in XXXX, TN. Address of our new address XXXX XXXX XXXX in TN, but they were rude and failed to acknowledge my complaint of FRAUD. The company acted as if they could not understand what was going on and could not provide me with the details. The company also holds a XXXX $ deposit which I have never been reimbursed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NJ

Complaint narrative:
Chapter XXXX Bankruptcy Experian furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, XXXX/ XXXX XXXX XXXX  XXXX  XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, XXXX XXXX There is inconsistency furnished across the bureaus and incorrect dates.

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 2022-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I XXXX XXXX investment property located XXXX XXXX XXXX XXXX Il have requested Covid 19 hardship assistance. 

My tenant has passed away XX/XX/2020. The property had to be cleaned out because of the Covid 19. 

I never had a forberance plan on this account. I have proof all payments have been made up until the death of my beautiful tenant who has stuggle with her health issues. 

I have been paying the escrow payments tax and insurance out of my pocket and I have my own expenses bills to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: NM

Complaint narrative:
Morning To whom it may concern : My name is XXXX XXXX, I have lease not ones before from same institution before, but all my loans have been same institution for many years. So I have a question and hope is a valid XXXX. 

My Payments are do on the XXXX of each month, so I have try to write to the financial institution one twice XXXX times and many mores, My question is simple, my month start on the XXXX of each month, so that been said from XX/XX/2022 to XX/XX/2022 it is a month correct, that institute my month and my agreement when the changes were made correct. 

So each month I also have a XXXX dats, period extra to make the payments correct, Now also when I'm over the the XXXX days, is about a fee of {$40.00}, need to be paid, so if the {$40.00} dollars are over XXXX days still don't constitute a full payment of a the principal correct. 
So the principal each month is {$380.00} of the loan, therefore the late fees is place or move to the back of the loan, and at the end of the lease it should be paid in full correct, so XXXX XXXX, should this be reported to credit buraus as late payment from principal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
This company is falsely reporting information on my credit report. This is XXXX my name and causing XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have disputed SYNCB/BP, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

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 2022-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Company continues to stall, ignore, and block me in addition to allowing inquiries and unauthorized accounts to report on my consumer report which adversely effecting me. I have spoken to several managers and they have NOT been helpful. I have not had access to my consumer report in order to verify the items. The managers and agents have verified the FTC report as I have attached my initial report from XX/XX/2022. The comments state what my requests were - removing specified accounts and all inquires as I have not applied for anything. The FTC report ONLY allows 5 accounts to be added, hence the consumer statement.

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 2022-02-20 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: NY

Complaint narrative:
This company is falsely reporting information on my credit report. This is slandering my name and causing pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This company is falsely reporting information on my credit report. This is slandering my name and causing pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE NO TRANSACTIONS WITH THIS COMPANY. THIS IS CAUSING PAIN AND SUFFERING.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT. I HAVE NO TRANSACTIONS WITH THIS COMPANY. THIS IS CAUSING PAIN AND SUFFERING.

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 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX IS CAUSING ME PAIN AND SUFFERING REPORTING A DEBT THAT DOES NOT BELONG TO ME ON MY CREDIT REPORT. I HAVE NO CONNECTIONS 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 non-monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2022, I, XXXX XXXX, applied for and was approved for the XXXX XXXX XXXX XXXX card, issued by Synchrony Bank. I received written approvals not only on Synchrony 's website, but in an email sent directly to me as well. Both stated that I would be receiving my card in XXXX business days. Furthermore, I was provided with a XXXX reference number that was supposed to enable me to shop online at XXXX immediately while waiting for my card to arrive in the mail. However, upon entering the reference number, I repeatedly was unable to place my order. I spent hours on the phone with XXXX, who referred me to Synchrony. Synchrony stated that my application had been denied. I strongly protested, and advised that I had received XXXX written approvals, a XXXX reference number enabling me to shop, and was told my card would be arriving in XXXX business days. How could all that happen if I had been denied? I posed that question to Synchrony, and they refused to answer and just kept saying that my application was denied. I insisted there had to be some mistake or oversight, and even offered to forward them my approval email. They were extremely rude and hostile throughout, and actually said that they don't have any email addresses that I could send my approval to. I guess they don't use email. Synchrony has been disingenuous and deceptive, and this is egregiously unjust. A credit card company should not be able to advise me not once but TWICE that I was approved for one of their products, then tell me to expect it in the mail, and then offer me a way to use my card online before it arrives, only to turn around and say nope you're denied we're not sending it to you, and we refuse to even acknowledge your question about why you received XXXX written approvals if you had been denied. I never would have even applied for this card if I knew this was going to happen.

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 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX ) in the Account Number, Account Type, Account Status, Payment Status, and Last Report Date sections. Equifax is reporting a derogatory payment status, XXXX and XXXX are reporting a current payment status. now all three of these cant be accurate. 
These accounts appear to be furnished by the same creditor so why is all the provided data different?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We wrote out personal checks to XXXX XXXX and XXXX  XXXX to pay our credit card bills XX/XX/XXXX for a total of XXXX from our Citibank checking account. They were mailed but never were received by the credit card companies. The checks had apparently been stolen, endorsed by person ( s ) unknown and the checks were cleared by Citibank with the amount deducted from our checking account. We first notified our credit card companies to investigate as we thought the checks were received but not credited to our account. The credit card companies never located our checks. On XX/XX/XXXX we called Citibank and asked for copies of the cashed checks. On review the checks were signed/endorsed with XXXX different signatures. We contacted Citibank again and they insisted that the credit card companies sign an affidavit stating they did not endorse these checks which they couldnt do since they never received them in the first place. This went back and forth with Citibank customer service for a few months. We then physically went to our Citibank branch and spoke to the manager who took our information and opened up a new case. I believe this was in XXXX. We waited a few weeks to hear. Phone calls and emails to this manager went unanswered. Apparently he had left this position. Went back to the bank in XXXX. Spoke to a different manager. A new case was opened with our documents. We were given a different affidavit that we had to complete and notarize stating we dont know who endorsed those checks. Physically brought this to the bank. Again waited to hear. No response to phone messages or emails. This affidavit somehow got lost. Apparently this manager also left. Went back again in XXXX. Spoke with yet another manager. Completed this affidavit again. Documents again sent to Citibanks fraud department and the case opened again. Latest update is that the banks who initially cashed these checks back in XXXX have to complete their investigations which can take up to 60 business days. The active case number is r XXXX. The manager who is helping us now is XXXX XXXX. The branch is at XXXX XXXX XXXX XXXX XXXX  XXXX New York. Her number is XXXX XXXX XXXX. Email address is XXXX. We really dont understand why Citibank isnt crediting our account since these checks were so obviously fraudulently cashed. This has been going on since last XXXX. We have been longtime Citibank customers and can not believe their customer service is so appalling.

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