vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
This complaint is against Capital One Credit Card. I have 3 capital one accounts. I closed the one with the highest balance and have been paying it down and making payments on time. Since I closed it Capital one has doc 'd me 40  credit points TWO times. 

This is wrong and I feel like they are punishing me for closing the account. There is nothing happening that would make my score go down 80 points. 

I am paying all of my accounts on time and am paying more on everything that I own. 

Capital One needs to this fix this but when I call its over an hour wait so I am thinking this happened to more people than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. According to XXXX  by XXXX XXXX XXXX, {$2700.00} was pulled from my XXXX  account ( Checking : XXXX ) on XX/XX/XXXX from a company ID XXXX. 

2. I found this company ID is Bank of America. 

3. I didn't authorize this ACH Pull or ACH Push.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
Received a letter stating pursuant to the terms of Zions Bancorporation, NA has elected to close the account effective XX/XX/20. The letter was dated XX/XX/20, and I received it on XX/XX/20. 
Called the bank, and was told that there was a clause in the agreement that the bank could exercise this right and they have chosen to do that.

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 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
I would like to state that I have been contacting Meridian in an attempt to cease all communication and attempt to collect the debt they are claiming I owe. They have contacted me in an harassing manner ( I have attached the original request to cease communication ). Additionally they have claimed to be attorneys ( attached proof ) - which after doing my research I am able to confirm that is illegal, because of this I would like this organization to stop contacting me, reporting on my credit and demanding money from me especially since they can not follow the law. I had contacted all the credit reports to demand deletion especially since they are claiming they are attorneys and they validated this to be true? 

Additionally, I had requested proof of a signed written signature with both the original credit and the collection agency showing proof that I agreed to work with Meridian,  XXXX or any of its affiliates. I have yet to receive any responses from them. They have threatened to affect my credit. I feel like I have been pressured and forced into paying for something that began by predatory lending and misrepresentation from the beginning. Now this company is refusing to respond to me and continues to validate the information as true even when I provide proof of their inaccurate information on my report. Furthermore, they are reporting a past due balance on an account that I never signed a contract with them for. I DEMAND PROOF OF AN ORIGINAL CONTRACT STATING I AGREED TO WORK WITH MERIDIAN OR XXXX XXXX SERVICES 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
Consumer complaint received 2020-04-27 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: GA

Complaint narrative:
This complaint comes forth as I have tried to submit information that supports a dispute that I sent to Experian via USPS Certified mail. I am a victim of Identity theft and have contacted a creditors and Experian to dispute the fraudulent account reporting to my credit report, the creditor nor Experian has not responded to my request for investigation and they have failed to comply with FCRA section 609 which requires them to remove erroneously reported accounts and FCRA Section 611 which requires them to let me the consumer know when, how and who compiled the information of their investigation once I made them aware the accounts were fraudulent and disputed their claims and gave validation with law enforcement documentation.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Between XXXX  and XXXX  as well as JPMCB Home lending as well as JP Morgan Chase Bank, NA and also XXXX XXXX XXXX XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also  credit bureaus both XXXX  and XXXX  are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Between Experian and XXXX as well as XXXX XXXX lending as well as XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX XXXX  XXXX XXXX XXXX ( this is another new name alias ) the level of error over my home is insane. My credit reports are not only contradictory but beyond any logical possible explanation of the errors committed by all of these parties. Anyway, these two also credit bureaus both XXXX  and Experian are reflecting non existent accounts and need to be removed immediately for false reporting which is a violation of : 209 CMR 18.21 .... ( 6 ) knowingly and recklessly providing inaccurate information. Both of the " accounts '' need to be removed from my credit history as well as removed from all of the records in the above named businesses. In addition to this mess is an attempt to illegally foreclose on my home with a non existent " account '' Please see all attached.

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 2020-04-27 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: KY

Complaint narrative:
I have disputed these accounts several times through Transunion and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Transunion for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.

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 2020-04-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

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 2020-04-27 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: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX  XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}

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 2020-04-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is still reporting a balance of {$130.00} owed to XXXX XXXX XXXXl. However is now owned by XXXX XXXX  XXXX and the new balance is {$0.00} as of XX/XX/2020. XXXX XXXX  XXXX has reported to all three credit bureaus of the new updated balance as well as a request to delete all tradeline associated with this account. Therefore, XXXX  and XXXX  have acted accordingly and followed all credit reporting guidelines ; but experian is still reporting inaccurate info and a balance of {$130.00}. XXXX XXXX XXXX  has tried to update the balance to {$0.00} but an error message is displayed 5 times as stated in the response to my previous dispute against XXXX XXXX XXXX  on XX/XX/2020 dispute # XXXX XXXX. 

Experian needs to delete all credit reporting tradeline associated with XXXX XXXX XXXX   and update the balance to {$0.00}. 
Experian has no right to be reporting on an account with {$0.00} balance and incorrect creditor info. 

PLEASE DELETE AND UPDATE ACCURATELY.

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 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I can not buy XXXX  on the XXXX  website. I don't understand the problem with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I signed up for a checking account at https : //banking.citi.com/cbol/checking-tiered-offer/default.htm that promised a {$400.00} reward if {$15000.00} is deposited within 60 days. I've fulfilled all the requirements in order to be eligible to receive the promotional reward. Customer support confirmed multiple times that I met all the requirements and that I would receive the reward. I should have received it several weeks ago but I'm promised " next week '' every time when I contact customer support. I'm very frustrated at this point.

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 2020-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to link my PNC account to my XXXX  account and PNC is not allowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My bill was due on XX/XX/XXXX and the bill was paid on that date and they charged a late fee because it wasnt a paid by XXXX. Right now with this pandemic I dont know if I am going or coming how do they get to charge a {$25.00} late fee for not even being a day late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank closed my XXXX  credit card without telling me or XXXX clothing store. When I signed on to the Comenity Bank website for the card everything looked fine, and when I placed an order for clothing on XX/XX/XXXX, XXXX had no indication that the card was closed and completed the order. On XX/XX/XXXX I received an email that there was a problem with the order, but XXXX customer service could not figure out what the problem was. They transferred me to Comenity Bank, where the staff said the account had been closed because I had not used it for at least 2.5 years. I looked up my records and told them I had last used it on XX/XX/XXXX. I asked when it was closed and they said on XX/XX/XXXX ( three days ago! ) They then said they are able to close accounts due to lack of use within 18 months. 

This is problem for me as my credit rating is excellent and having accounts closed does not look good on a credit report. I spoke to Senior Credit Specialist XXXX ( no last name ) ID number XXXX. She said the account was properly closed and could not be returned to active status. 

So to recap : account closed without any warning to customer, no indication that account is closed on website used by customer to access account, no indication to store that the credit card is exclusively used on that account is in fact closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
My husband stole my identity after we married, as the trustee of my Trust and began taking out mortgages and HELOC 's against the equity in my Trust. His best friend ( XXXX XXXX ) owned his own XXXX, XXXX XXXX XXXX and so he processed the loans and then my husband used an escrow officer ( XXXX XXXX ) at XXXX XXXX XXXX to have us sign quit claim deeds to move the money in and out of my Trust. I was an XXXX  on a XXXX XXXX and so I was afraid to challenge or report my husband for fear of XXXX. He continued to XXXX and XXXX XXXX XXXX and take out hundreds of thousands of dollars from my Trust. Twenty years ago, identity theft and mortgage and title fraud was something that I was not familiar with, and as my husband I " trusted '' him, yet I was also fearful and scared of any retaliation if I did not submit to him. He refinanced my Trust in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX to the tune of approximately 1 million dollars. At no time did I ever initiate contact with XXXX XXXX, XXXX XXXX, nor initiate any Real Estate transactions. He was never the Trustee nor a beneficiary to my or my mother 's Trust. My sister sued me in XXXX for the Conversion of my mom 's Trust ( which is stacked on top of mine ) and at that time I became fully educated as to the extent of his criminal behaviors. He has refused to cooperate however with the civil and divorce courts. XXXX XXXX, Special Master has perjured himself in the divorce courts. Judge XXXX XXXX has silenced my testimony and evidence. His lawyer XXXX XXXX XXXX has submitted false statements to the court. I have filed for identity theft with the FTC, IRS, FBI, the AG office, Organized Crime of XXXX Police, SSA and the DHS. My husband fraudulently brought me from XXXX on a Petition for an Alien Relative and instead of supporting me, he has stolen hundreds of thousands through mortgage and title fraud.

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 2020-04-27 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: GA

Complaint narrative:
I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed these accounts several times through Experian and directly to each furnisher. Some items were modified to report correct information, most were not. I mailed a method of verification to Experian for the remaining inaccurate accounts. No response after 30 days. I gave more than the 15 day allotted time.

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 2020-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
About 3 months ago Portfolio Recovery called my cell phone. I asked then the date the debt occurred. I was in 2008 ( 12 years ago ). I told them is was past the statute of limitations and to cease calling me. They tried to get me to settle and promised not to ding my credit report. I already knew the account had fallen off. They continued to try to settle the account. They did not call back for several months. 

Last week, I received a call again. I asked not to be contacted again and I asked for the address to send something in writing. The call was terminated before I got the information. 

I received another call today from a local number XXXX XXXX XXXX XXXX. Again I asked them to cease and desist. I got an address to send a cease and desist in writing. This debt is over 12 years old. In fact, I have established new credit with the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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