vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: FL

Complaint narrative:
On XX/XX/2019 I attempted to make my monthly mortgage payment to Statebridge Company via their online payment processing feature on their website. I have done this every month. 
I was not able to make my payment as my mortgage account is listed as inactive and my account history shows a service release as of XX/XX/2019. 
I have not received an email or letter to notify me of the possible selling of my mortgage and am currently left with no knowledge of my mortgage status or payment instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name and last name is in correct

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 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
We received a debt collection letter from Credence debt collectors that said we owed XXXX a final payment when we closed that account. We changed our service from XXXX bundled with XXXX  internet service on XX/XX/XXXX. We paid {$170.00} to the combined internet/XXXX  charge, of which {$130.00} was our last payment to XXXX. It was paid XX/XX/XXXX, posted XX/XX/XXXX to that combined company account. We repeatedly called both XXXX and XXXX to resolve getting that final payment posted correctly when we kept getting emails that it was past due. The problem is with how XXXX XXXX XXXX, XXXX and XXXX XXXX systems are being integrated. 

Actions : XX/XX/XXXX : Talked to XXXX XXXX. He said we were paid through XX/XX/XXXX and it takes 1 billing cycle to unbundled the services. If we called XXXX to cancel before that, they would credit back any unused days. 

XX/XX/XXXX : Talked to XXXX. XXXX. We canceled our service on this day. She said our service with XXXX would end at XXXX XXXX  on XX/XX/XXXX. She said the account was being converted to the new XXXX XXXX XXXX/XXXX  system so the payment was not yet posted for XXXX. 

XX/XX/XXXX : Talked to XXXX. XXXX -- XXXX. After receiving a bill from XXXX, we called to see what is happening. He had to find our new account number after he could not find our previous XXXX/XXXX  account number. He said he could see our payment of {$130.00} in their system and it would be posted once they converted their system. He confirmed that he could see our cancellation order and that we should not be billed any further. 

XX/XX/XXXX, XXXX XXXX Talked to XXXX ( employee # XXXX ). XXXX. We did not receive a confirmation that the payment was made to XXXX so called to confirm. XXXX said there was an entire XXXX team to help with conversion, and I needed to talk to the combined billing department. 

XX/XX/XXXX, XXXX XXXX. XXXX. Talked to XXXX later that same day. He transferred me to combined billing department. I talked to XXXX  ( employee # XXXX ) who said the payment transfers are still in progress from the old system to the new system. Once the system updates, she confirmed that the payment was there, and it would be applied. She said to stop calling, and I do not have to worry, she sees all my calls on the account notes. She said to ignore the bills that will continue because she can see the payment is there. 

This is not a collection account. XXXX/XXXX XXXX XXXX can not get their system corrected. If you listen to the recorded transcript of my conversation with XXXX, she is actually annoyed that I continued to call about this. We have been XXXX customers since XXXX, never once with a late payment in 20 years and did everything we could to make this payment correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: WI

Complaint narrative:
they have not responded asked for validation of the debt

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 2019-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
My mortgage was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing.  They are not recording my payments. They are threatening to foreclose. I have spent 6 weeks of phone calls and emails every other day from them claiming no payment has been made. When we call, they blame accounting for one payment but say they haven't seen any others. I have proof from two banks. I have given them this information over the phone repeatedly. I don't know where else to turn.

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 2019-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: FL

Complaint narrative:
On XX/XX/2019, and on XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information  shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate account on my credit reports, Kohls Department Store/Capital One Bank, account number XXXX, an account that I has never been authorized to open, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I expect this account will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019, and XX/XX/2019, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding an inaccurate account on my credit reports from Department Stores National Bank/Macy 's, account number XXXX, by sending Method of Verification letter by certified mail, return receipt requested, to XXXX, XXXX, and XXXX via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance, information, proof or verification methods to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. This account has never been authorized to be opened. 
I expect this account will be removed from my credit files 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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports for XXXX to XXXX regarding Capital One Bank, account number XXXX, and account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I had my Cash App account hacked, and my personal bank account was set as a funding source for the account. In dealing with this, my account had no funds in it, so my personal bank account had sent money via cash app to an unknown and unauthorized transaction. I was a victim of fraud. 

After this, I had contacted their staff via email and they stated there was nothing they could do about it, but i was more than welcome to contact my bank and get the situation handled with them. I did. 

A month later, they closed my account abruptly with no warning and banned me from the service and consequently closing all new accounts I had attempted to make. This is unacceptable, as I should be allowed to make a new account at the very least. I was a victim of fraud and instead of handling it, they are attempting to sweep this under the rug. 

In short, I was punished for being a victim of fraud, CashApp and Square inc has stolen money from me by charging my bank for the fraud charges and refusing to assist in their recovery, then closing my account and banning me from opening any other accounts for attempting to resolve the fraudulent transactions internally with their staff. I will continue to open complaints and pursue this until my account is either re-opened, or I am permitted to open a new account with full functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have an Capital One credit card account with a credit limit of XXXX. Normally this accounts resorts to all three major credit bureaus however on or around XX/XX/2019 I noticed that XXXX  removed my capital one account without my permission. 
The account is still showing on my XXXX  and XXXX which is good. 

I contacted XXXX and they couldnt tell me why it was removed and they could not add the account back to my report and to contact the merchant to with I did. 

I contacted capital one and they said they are reporting to all three credit bureaus. They told me to contact XXXX. 

No one has helped me with this issue and they both is giving me the run around. 
This has hurted my XXXX  credit score like 200  points and I dont know what to do to fix this. 
I need some help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: OR

Complaint narrative:
I've notified Lending Club several times that the alleged debt is the result of identify theft. In support of that notification I have provided a signed and notarized FTC ID theft complaint and affidavit. In addition I have disputed this firm 's reporting on my credit reports. The firm did remove all reference to this matter from my credit reports. This was a positive step. However, I am now being sued by a firm, XXXX XXXX XXXX, who claims to have bought this debt from Lending Club. I have contacted Lending Club asking that they resolved this matter, but they have not responded. See attached documents. 

My request is that Lending Club notify XXXX XXXX XXXX that they are rescinding the sale of this account to XXXX XXXX XXXX, so that the legal action now pending may be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 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: U.S. BANCORP
State: MN

Complaint narrative:
THERE ARE TWO DATES OF INQUIRIES FROM SAME COMPANY THAT WAS NOT AUTHORIZED BY ME. PER COMPANY RESPONSE, THE INQUIRY WAS BASED ON XXXX XXXX XXXX XXXX. I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXX XXXX THAT WOULD RESULT IN TWO INQUIRIES SHOWING UP ON MY CREDIT REPORT. I HAVE ALSO DONE MY INVESTIGATION, AND I HAVE NO RECORD OF DOING BUSINESS WITH ELAN FINANCIAL SERVICES OR XXXX XXXX XXXX XXXX. I ALSO HAVE A FRAUD ALERT ON MY CREDIT FILE, WHICH MEANS THE CREDITOR MUST CONTACT CONSUMER PRIOR TO INQUIRING OR GIVING OUT CREDIT. SO IF AN ACCOUNT WAS OPENED IN MY NAME WITHOUT CONTACTING ME FIRST, THEN XXXX XXXX XXXX XXXX AND ELAN FINANCIAL SERVICES BROKE THE LAW AND VIOLATING MY RIGHTS. BELOW ARE DATES OF THE INQUIRY. THE PURPOSE OF THE FRUAD ALERT IS TO PREVENT FRAUDULENT ACTIVITY ON MY CREDIT REPORT. PER FRAUD ALERT, STATES DO NOT EXTEND CREDIT OR OPEN ANY ACCOUNTS WITHOUT CONTACTING CONUSUMER. THEREFORE I DON'T NEED TO FILE A POLICE REPORT, UNLESS THE COMPANY WANTS ME TO FILE POLICE REPORT AND CHARGES AGAINST THEM FOR OPENING AN ACCOUNT WITHOUT MY PERMISSION. 


XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2019 ELAN FINANCIAL SERVICES, XXXX XXXX XXXX XXXX, XXXX, OH 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 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian online and app is hindering my credit for months and possibly years.. I bought the premium service from Experian and noticed my score to be very low. I investigated and uncovered that they are reporting that I am using 115 % of my credit. It would be impossible for anyone to use that much when 100 % is all anyone could use..in reality I'm only using 20 % of my credit ... I have 7 accounts that are perfect in payments and never have been late, yet they report that I only have one account in good standing with current bad payments on all the rest.. this seems to be the case across the board on all my 3 reporting agencies on there app and online services ... When I called Experian to complain about the problem they played phone tag with me..they continued to send me to the dispute center over and over again even after I explained that this was an app issue and online problem that needed the developers technical services they continued to play phone tag.. one employee informed me that I should speak to my bank 's financial analyst after speaking to there supervisor to resolve my problem.. My banks analyst has nothing to do with Experians app or online problems with incorrect data, glitches or malicious practices of incorrect data.. When I finally spoke with someone with half a brain, they told me they would expedite a ticket to there online and app services to correct the problem ... its been 2 weeks and the problem still exists ... during these exhausting 2 weeks of calling over and over again I never once spoke to a supervisor or someone in charge after repeatedly asking to speak to one, they just continued to blow me off of my requests and returned to playing phone tag with there dispute department ... please help me resolve this problem with this credit reporting agency as they are illegally reporting false information and playing with my life 's and my credit.

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 2019-11-17 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
Ally Financial has reported me 30 days late on my very first payment that was due to them aprox. 9 months ago. I purchased a new car from a dealership in XXXX Colorado, the salesman told me the first payment was not due for 60 days from the date of purchase. Ally financial failed to send me an Invoice of the upcoming payment due date or a payment statement booklet. I never received a statement and 60 days went by. I still had received not statement so I called them, the then sent me a statement that I Immediately paid. Months later I checked my credit report and they had reported me 30 days late which is a ding to my credit score.  My credit score is very important to me and I contacted them. I spoke with several people and they did not remove it and months have gone by. I spoke with a women named XXXX who started a case number with me ( ref # XXXX ) I told her what had happened and that the salesman told me 60 days before the first payment was due and since I did not receive a statement from them I had no way to know it was due after 30 days not the 60 days I had been told. I pointed out that I have never been late on a payment to them and could they please remove the late payment as a goodwill adjustment. I just received a letter saying that they will not. Can you please help me with this situation? I have no late marks on my credit report ( except this one from Ally Financial ). The only reason that the incorrect information from the car salesman did not get caught before it was 30 days late is because Ally Financial did not contact me to tell me the payment was due in 30 days from purchase not 60 days from purchase. They should have called me or sent me an Invoice promptly but they dragged there feet, and this is costing me valuable credit points on my FICO scores. PLEASE HELP!! XXXX XXXX : XXXX XXXX XXXX XXXX Co. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate late payments listed on my credit reports from XX/XX/XXXX to XX/XX/XXXX, regarding GM Financial Bank, account number XXXX, by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and XXXX  via the online dispute portal. USPS verified that all my requests were received. This account has never been paid late. To date, I have not received any compliance/information/proof or verification method to my requests within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. 
Therefore, I expect all these items will be removed from my credit files immediately.

Company response to consumer: Closed with explanation