vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-15 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: CA

Complaint narrative:
Ive contacted XXXX  XXXX numerous times to report Im a victim of identity theft However they are not doing anything. They keep claiming its mine without proving any information. This is not mine and needs to be removed.

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 2020-02-15 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: MO

Complaint narrative:
The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: MO

Complaint narrative:
The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card

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 2020-02-15 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: MO

Complaint narrative:
The following accounts are unknown authorized users accounts that's on my credit report inwhich i have absolutely any knowledge of and I'm demanding that they are removed from my credit file immediately. 

1 ) XXXX XXXX XXXX Credit Card 2 ) XXXX XXXX  Credit Card

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 2020-02-15 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: MO

Complaint narrative:
I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed

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 2020-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods

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 2020-02-15 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: MO

Complaint narrative:
I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: MO

Complaint narrative:
I'm demanding that the following closed accounts be removed from my credit report, ( 1 ) XXXX XXXX XXXX   Credit Card, this is an unknown authorized user inwhich I have no knowledge of. 
Also please remove this closed account ( 2 ) XXXX XXXX Credit Card -- closed

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 2020-02-15 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: MO

Complaint narrative:
I'm disputing this fraudulent account reporting on my credit file. Im requesting that this account be removed and blocked from my credit file, or the credit reporting agencies shall show just cause and physical documentation before reporting such .I 'm demanding that this account is removed. 

1 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: MO

Complaint narrative:
I'm disputing this fraudulent account reporting on my credit file. Im requesting that this account be removed and blocked from my credit file, or the credit reporting agencies shall show just cause and physical documentation before reporting such .I 'm demanding that this account is removed.

1 ) 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 explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Somehow capital one is all over my XXXX XXXX. I never had a bank account with them. I tried to get capital one credit card. I cant access the account. One top of they told me I wasnt me. But it says I have one but when I contact them or go in person they tell me no. Its showing even on my check system report meaning something is bing done. I have been locked out my account and identity stolen in 2017. I never even used check with the bank. Two years will go by then it will disappear or wont show. Just like I have been going through for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into a contractual agreement with them agreeing to pay them for services nor goods

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TX

Complaint narrative:
To whom it may concern, I have sent dispute letters to Equifax, XXXX  and XXXX to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX.

2. Round 2 was sent in XX/XX/XXXX.

3. Round 3 was sent in XX/XX/XXXX.

4. Round 4 was sent in XX/XX/XXXX.

I have charge offs remaining on each credit report from Equifax, XXXX  and XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX   and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wallet was stolen in 2017. The bank cards I never got in the mail I never could identity myself with the bank to even get a new card or statements. They kept saying I want me. Also checks I see is the information I never used checks. It wasnt into Two years into I was able to get the bank statements. Missing money and serval banks and check use has been used with my identity since. XXXX is the email that was stolen and hacked. The phone provider was XXXX. My wallet was stolen and bypass security was used with it. Changing the name to XXXX XXXX, also while removing me from the primary account holder. But using my social on the account still reporting phone and accounts thats not mine. I had an XXXX at the time. This is how my bank information, emails, and things was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom it may concern, I have sent dispute letters to XXXX, Transunion and XXXX  to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, Transunion and XXXX  for XXXX  XXXX XXXX, XXXX XXXX XXXX  and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

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 2020-02-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, I have sent dispute letters to XXXX, XXXX   and Experian to dispute and remove erroneous, inaccurate items on my credit report such as collections, late payments and charge offs that were not able to be accurately verified. 

All of the letters were sent certified with return receipts. Each letter was sent with copies of my drivers license and social security card to verify my identity. All letters certified receipts were signed and returned as proof of receipt of the dispute letters. 

1. Round 1 was sent in XX/XX/XXXX. 

2. Round 2 was sent in XX/XX/XXXX. 

3. Round 3 was sent in XX/XX/XXXX. 

4. Round 4 was sent in XX/XX/XXXX. 

I have charge offs remaining on each credit report from XXXX, XXXX   and Experian for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX 's that still have not been accurately verified as my debts. I would like these erroneous, inaccurate items removed from each credit report with each credit bureau as they are inaccurate and damaging my credit report which is hindering my ability to get approved for lines of credit and loans.

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 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX ; DO YOU OWN THIS ACCOUNT? HAS THIS ACCOUNT BEEN INCLUDED IN ANY LAWSUITS AGAINST XXXX XXXX? 

XXXX XXXX ; YOU ARE REQUIRED TO RESPOND TO DIRECT QUESTIONS TO XXXX XXXX. 

WILL YOU GRANT ME A QUIT CLAIM DEED? IF SO PLEASE TELL ME HOW TO REQUEST THE QUIT CLAIM DEED. 

HAS THIS ACCOUNT BEEN LIQUIDATED AND INCLUDED IN A SETTLEMENT? 

I AM WILLING TO work with XXXX XXXX to grant me a quit claim deed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
ALERT ALERT ALERT XXXX XXXX XXXX BANK OF AMERICA OPENED A ACCOUNT XXXX IN MY NAME IN XXXX AND ISSUED A DEBIT CARD ON MY SOLE OWNED BANK OF AMERICA ACCOUNT. THAT WAS NOT OPENED UNTIL XXXX AS PER BOA REGULATORY XXXX!!!! 
XXXX AND BANK OF AMERICA regulatory XX/XX/XXXX letter response to the CFPB AS PER ATTACHED ... BANK OF AMERICA STATES in their review that as per their records my sole account of XXXX WAS OPENED XX/XX/XXXX. ... ... THEN BANK OF AMERICA LETTER dated XX/XX/XXXX that I never received and reported it to the CFPB and bank of America thru my feedback comments THAT I NEVER RECEIVED A BOA RESPONSE. I also reported interception of my us mail again in XXXX to the Federal Law enforcement of the USPS. My claims of fraud and identity theft has been confirmed by Bank Of Americas regulatory commissions letter dated XX/XX/XXXX. ATTACHED ... ..THAT IS WHY IT SHOULD BE RLEQUIRED THAT ALL CFPB COMPLAINTS RESPONSES BE SENT THRU THIS PORTAL CFPB AGENCY FOR RECORDS AND NOT Directly to the consumer ... I would have caught the stolen boa correspondence!!!! my ongoing complaints and reports of fraud and identity theft in person to boa since XXXX to XXXX manager at XXXX XXXX XXXX XXXX XXXX va bank of America. 
Bank of America 's letter dated XX/XX/XXXX review findings is attached. It clearly RECORDS AND documents my stated reports to the CFPB and other state and federal agencies ... THAT BANK OF AMERICA FAILED UNDER THE LAW TO PROTECT BOTH MY IDENTITY AND INFO AND MONIES..BANK OF AMERICA OPENED A ACCOUNT IN MY NAME TO UNAUTHORUZED ENTITY PERSON AND THEN UNLAWFULLY ISSUED A DEBIT CARD # XXXX ON my sole owned account of XXXX XXXX XXXX XXXX ON XX/XX/XXXX ... ... ALERT!!! ALERT CFPB!!!!! BANK OF AMERICA HAS OFFICIALLY STATED On bank of America 's regulatory commission review letter dated XX/XX/XXXX that I never received until XX/XX/XXXX -- -THAT A DEBIT CARD # XXXX XXXX WAS ISSUED ON MY SOLELY OWNED ACCOUNT XXXX on XX/XX/XXXX -- -- that bank of America stated WAS NOT OPENED UNTIL XX/XX/XXXX in their XX/XX/XXXX response to the cfpb complaint of mine.

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 2020-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Garcadia Financial LLC
State: IN

Complaint narrative:
I've received several email Alerts as early as XXXX. and as late as XXXX from Foursight Capitol in reference to payments and I've been advised and shown evidence that this is a violation of the FDCPA rules with fines starting at {$1000.00} per fine and so far I have evidence of at least 7 violations and counting!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We paid a check in the amount of {$25000.00}, to XXXX XXXX XXXX  on XX/XX/XXXX, for crediting into our mortgage holder account. The XXXX XXXX XXXX  goofed and credited in one of their own account. We kept looking in our monthly mortgage statement and never received credit for this amount until we refinanced our mortgage on XX/XX/XXXX. 
The loan was paid off and the mortgage company did not give us the credit. 

We complained at the XXXX XXXX XXXX last year and they kept stalling and stated a specialist is going to look on and resolve the issue. On XX/XX/XXXX XXXX XXXX found the payment and that was deposited into the mortgage holder account. But, as of this date, she has not furnished any proof so that we can claim our money.

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 2020-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a Pre-approved Letter for a Credit Card from Capital One, where I have over {$90000.00} in their Capital One 360 Savings Account. The Credit Card Offer was a No Interest Offer. 

I went online, filled the application up to the point of " Submit '', hit " Submit '', but the link sent me to a unmarked box that wasn't checked. I hit the box, it scrolled out the Terms of the Credit Card, then in two seconds it disappeared. I had a blank screen momentarily, then I got a " Denial '' screen, telling me I wasn't approved for the card. 

I never hit " Submit '' after being sent to that unmarked box. I was reading the Terms when it all disappeared. I never agreed to the Terms and I never properly submitted the application. 

Within SECONDS, I had THREE e-mails from Credit Reporting Agencies telling me I just had a " Hard Inquiry '' on my Credit Report. 

Upon calling Capital One at around XXXX XXXX, I was told to call back at XXXX XXXX  at a different number and they would fix the problem for me. 

Upon calling that number at XXXX XXXX  ( when I had some time to do so ), I was told that they couldn't do anything about it and Capital One attempted to do nothing about it, even though I was told right after their link malfunctioned at XXXX XXXX  that I would be taken care of at this other number. 

I'm currently filing Complaints and seeking Legal Counsel regarding these " Bait and Switch '' practices and the malfunctioning application link of Capital One. 

I have suffered damages to my Credit Reports. I have suffered the loss of time, energy, and money fixing Capital One 's mistakes. 

I plan on recovering all Compensatory Damages caused by Capital One. 

I Do So Declare, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I already submitted similar complement before. However problem was not resolved comptly I want free to be reimbursed for all periods not just one month because it is not due to banking error but misrepresentation. 
I also can resolve all your Bank problems if you make CEO of your company or I will make your bank public institution

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 2020-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Its said PNC Bank is blocking you from enabling external applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Yesterday l received a letter stating a receipt of my inquiry from Wells Fargo that stated they would contact me by XX/XX/XXXX or before between XXXX. Wells Fargo did not contact me within the time frame that they have stated and is calling my house out the appropriate time frame. 

Also calling my house and not leaving a voice message which is very unprofessional. 
Attached is a photo of the phone log proving that she called my cell phone outside the time limit that they agreed to.

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