vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX  XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX  XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX. 

We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges. 

After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment. 

My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX. 
We are lead to believe that you did not in fact receive from XXXX  our account information well past the date we paid XXXX on the account listed in the attached XXXX  bill. 
We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments. 
According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened my account online yesterday ( XX/XX/2023 ) at approximately XXXX EST. I received an email at XXXX today ( XX/XX/2023 ) stating that my debit card had been activated, which it had not been sent to me yet. I tried to log into my account online and it kept telling me my information was incorrect. I called customer service and the first agent said they had to transfer me, so I was then sent to agent # 2. Agent # 2 said that I needed to speak to the fraud department and then transferred me there. The fraud department agent then told me there was nothing he could do after I stated to just close the account completely and told me that I needed to speak to customer service and hung up on me. I then called back again and spoke to customer service who told me that I needed to speak to the fraud department. When I requested to speak to a supervisor, they put me on hold and then came back to tell me that they can not transfer me to a supervisor because of some note on my account and that I needed to speak to the fraud department to even try and close my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive been a victim of identity theft

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX i called experian to unfreeze mycredit agent send id, s.s, writtenon XXXXXXXX  i when to postaloffice and paid XXXX dollar XXXX  over night so that the documents be there ton XXXXXXXX  i call XXXX agent the i wanted to unfreeze my credit i send my documents over night i when postal service send through XXXX  agent i wanted unfreeze my credit agent ok til when XXXXXXXX  agent it's lifted i called a company is with apt to check it wasn't they call me back and it was still freezen to call experian back try it again XXXXXXXX  the regal office talk to XXXX  told all that haven than XXXX this should've been off your credit but what did took off sold it to XXXX XXXX and XXXX XXXXput back on your credit report XXXX call XXXX  ok thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

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 2023-05-16 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: Kikoff Inc.
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I never received a copy of my loan or paperwork from dealership. I called Westlake financial and ask for a copy to be mail to me several time. Westlake financial have me in a very bad deal thats I wasnt aware of I was told one thing about how the interest rate. But by checking on line when I pay my car note my payment my loan never went down I feel I.was taken advantage of with this deal I also put XXXX dollars down on my finance charges for my car and its cant be not applied to my loan because my loan would have went down more then it has. After adding all my payments that was made. i honestly believe I have been scam.. also I was supposed to have a military credit applied to my car with I dont know if i received because I dont have any paperwork. I contacted the dealership and the salesmans no longer work that.. who was in charge of my deal. Im a a dead end with this auto loan..

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 2023-05-16 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: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I opened a loan with honda financial services on XX/XX/XXXX. This was reporting to my credit bueuas up untill around XXXX of XXXX and then they suddenly removed it from all of my credit burea reports. I paid the loan off early in XXXX of XXXX as my maturity date wasnt untill XXXX of XXXX. When I went to get another vehicle loan I was advised that it was not showing on my report. I went back and did some research and saw the last time it was report was XXXX of XXXX. I contacted Honda financial services today and they said they would not report it. That they removed alot of loans from the bueas due to XXXX  but i was paying on time and had not requested them to do this. They refused to report my payment history for the last 6 years back on my credit report. They said they could send me a paid in full letter but this does not help my credit score and history. They have been negativly impacting me for over 2 years now. The fact that they did this with some clients as they claim not all also makes me feel like they have discriminated on myself as a XXXX man and maybe others. I did not think it was legal for them to do this to some clients and not all. I want this reported on my credit report imideiate so that my score and my overall history refects the payments and efferts i have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH MORTGAGE BILLED US {$11000.00} ON OUR XX/XX/2023 STATEMENT WITH NO EXPLANATION OF WHAT THESE CHARGES WERE FOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc.
State: IA

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I noticed unauthorized charges on my account fromXXXX XXXX for a considerable amount I am sure my debit card was skimmed or duplicated or compromised. 

I filed a police report and also contacted chime and XXXX who is the merchant I have contacted chime and Im afraid I wont be able to get any recourse. 

The balance in my account was unnoticed due to multiple deposits, credits and adjustments & because I was hospitalized and unaware of the missing funds until currently I have a funeral to pay for and its imperative my funds be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Auto Trakk, LLC
State: NC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I got a letter in the mail from Comenity Capital Bank saying that my " XXXX XXXX Visa Credit card card has not been approved '' but the issue I have with this is I never applied for this card in the first place and I don't trust this bank enough to even give them my information because I have friends who have had very bad experiences with them in the past and call them an out right scam bank and they have very, they commit fraud very often claiming not to receive payments even when they get them so I need help resolving this issue. I DO NOT TRUST THIS BANK 1 BIT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account in question is XXXX XXXX XXXX Credit card account. 
It was opened in XXXX by someone using my information. I learned about it in XXXX when I noticed a delinquent account on my credit report. Since then I Have had multiple disputes, multiple snail mail attempts and unsuccessful attempts at having the account confirmed as a fraudulent account as it actually is. I frequently received dispute responses that were inaccurate - such as " We have confirmed this account belongs to you because there were payments made on the credit card from a chase bank account '' when the chase bank account also doesn't belong to me, but of course they can not give me the information of that account to be able to move the dispute further. 

Now they have decided to send the account to debt collector and have requested to garnish wages from my employer for what is A FRADUELNT account. I'm in the process of fighting this more but this just seems insane.

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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with XXXX, XXXX, and TransUnion and each has yet to remove the information or even respond to my dispute. XXXX claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over 30 days prior. That is a direct violation of 15 USC 1681. 

ATTACHMENTS XXXX Consumer Center ( 2 ) XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX accnt ending XXXX was closed on or about XXXX.

Company response to consumer: Closed with explanation