vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-15 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
Contacted my mortgage loan company on or about XX/XX/2020 about any programs available to delay payment of our home mortgage due to the Covid -19 issue. The PHH Agent said that they could do a forbearance for 90 days without reporting this to the Credit reporting agency 's. I requested information to be sent to my x-wife as she is a partner in our property. The info was to be mailed to the property address. About a week passed without receiving any correspondence. On the XXXX of XXXX I generated an email to PHH I had not received any correspondence. On XX/XX/XXXX I received an email stating that PHH records indicate the Forbearance Plan had been set up. Due to high volume there could be a delay. We did not request to be put on any plan only for information. On XX/XX/2020 I was alerted that my x-wife 's FICO dropped 52 points and when checking mine found it had dropped 62 points even though our mortgage payment for XXXX had been paid. On XXXX I spoke to XXXX  ID # XXXX and was told that a Supervisor from credit reporting would call me back in 24-48 Hrs. XXXX called back and said he was the Supervisor and there was nothing he could do and I should contact the credit reporting companies. I requested his Supervisor and have heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  is suing me for a past debt from 2014 after the statute of limitations have expired and is in violation of the Fair Debt Collection Practices Act. They are also suing me in a state in which I do not permanently live or where the original debt occurred. After several attempts via email and phone, I spoke with a representative from Scott & Associates on behalf of XXXX XXXX XXXX and XXXX XXXX XXXX  notifying her that I was not acknowledging or accepting the debt, but wanted to save us both some time and effort by settling the debt outside of court as stated in the notice that was received because it was the start of the pandemic and feared going out in public. The representative declined my offer to settle. 



Emailed on : XX/XX/XXXX XX/XX/XXXX Spoke with representative : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
checked my credit profile and these erroneous accounts were listed. 

XXXX XXXX XXXX XXXX  XXXX XXXX Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-05-15 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: NY

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, THE XXXX  XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE. THE CHARGES ARE FRAUDULENT, THE ACCOUNT WAS OPENED MAINTAINED AND CLOSED WITHOUT MY CONSENT.

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 2020-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I settled payment was paid in full of XXXX $ They advised it will be removed and updated as such. They are now saying I owe XXXX $ it is now reflective on my credit report as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15 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: CA

Complaint narrative:
Finished all required activities but didn't receive account opening bonus. Contacted customer service and the reason they denied the bonus was not listed in required activities term. Citi might be false advertising in the promo email to allure potential customers to deposit money with bonus that they will find every excuse to deny. 

Required Activities Eligible Customers must 1 ) enroll in the AAdvantage Offer between XX/XX/20 to XX/XX/20, and according to the Chart below 2 ) must open a checking account in an Eligible Checking Account Package 3 ) complete a Citibank Debit or ATM Card Purchase corresponding to the Eligible Checking Account Package requirement in the Chart within 60 days of account opening, and 4 ) make 1 or more Qualifying Bill Payments for 2 consecutive calendar months within 60 days of account opening. 

Contacted customer service and got this reply : " Upon checking, I see that you opened this account on XX/XX/2020. 

The promotion states that if you open an account, deposit the minimum balance within 30 days and maintain it for the next 60 days, you'll get the promotional bonus within the next 90 days ( from the 60th day ). 

But I see that you deposited {$50000.00} to this account on XX/XX/XXXX, which was more than 30 days after opening your account. 

So, I'm sorry to inform that your account doesn't qualify for the cash bonus as per this promotion. " After I pointed out that this is not a required activity, the customer service representative came back with another condition that's not clearly specified in the terms. 
" I checked these transactions and see that these payments were set up from your Credit Card account, which makes these payments as ACH debits in your Citibank account. I'm sorry ; but the Qualifying Bill Payments means they should be set up from this account in your CItibank profile. ''

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 2020-05-15 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: MD

Complaint narrative:
I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of

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 2020-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent {$500.00} from my account on XX/XX/2020 via XXXX for a deposit on a rental property. The receiver cancelled the lease and has attempted to return my deposit via an emailed fraudulent insurance check, requesting I deposit it and send them the remaining {$3000.00}. I disputed the transaction with CapitalOne, they investigated and responded that there was no mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-05-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have notified Equifax that these accounts are are a result of FRAUD and they should be deleted from my credit report. Please delete these accounts because they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: MD

Complaint narrative:
I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of

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 2020-05-15 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: MD

Complaint narrative:
I recently obtain a copy of my credit report and noticed several accounts that did not have any knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX TD Auto Finance does not disclose the principal balance on my loan on the statement mailed to me nor on their website. To get the principal balance I must call them. I have never come across a lender that does not disclose the principal balance owed. I believe this is deceptive and must violate some consumer protection law. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've disputed a fraudulent bankruptcy filing under US BKPT CT CA XXXX CASE # XXXX with Experian several times which Experian has continued to ignore. Experian claims they received this information from a 3rd party Vendor of XXXX XXXX XXXX XXXX XXXX which I've attached to this complaint as proof. 

Upon getting this information from Experian I've reached out to the vendor they claim that provided them this information and started a fraud dispute with XXXX. After XXXX investigated my fraud claim they came back that the listing in its database was fraudulent and they had removed it from all XXXX databases and I've attached that proof to this complaint as well. 

I've even went a step further and reached out to the US Bankruptcy Court in XXXX CA and upon calling the court they don't provide information to third parties nor do they verify any information what so ever which clearly proves that Experian has lied and been negligent in posting unverified information from the original furnisher which is the US Courts.

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 2020-05-15 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: Nelnet, Inc.
State: CA

Complaint narrative:
Unfortunately my identity was stolen I need help one bureau, XXXX  has saw fit to delete the derogatory information from nelnet. But XXXX & XXXX  are giving me a hard time I'm a XXXX single mother of XXXX, I dont even have a XXXX. Below is the information & proof of who stole my identity & almost got me pur in XXXX, XXXX XXXX was my Care taker. Until she broke into my house & stolen my rent money, & now I'm almost homeless. Please help my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX of 2020 a website erroneously sent my sensitive information to multiple companies unbeknownst to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2020-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had my identity stolen. Credit cards and other accounts were opened under my name by someone else. I filed a federal trade commission report ( FTC ) and a police report. They told me to send the reports to the companies that had opened accounts under my name and tell them that it was fraudulent account not opened by me. I did that and I also sent them to the credit bureaus. Most accounts were removed from under my name due to my identity being stolen but one account which is bank of America credit card. I have called them multiple times and sent them the reports that I received from the FTC and the police. I explained the situation to them multiple times. I have done multiple claims with them about this account being fraudulent. They make me wait 60 days from the time I make the claim with the reports. Then they contact me back two months later and say it belongs to me. I tell them every time that I did not authorize anyone to open this account under my name and this is a fraudulent account due to my identity being stolen. They have not followed the laws from the FTC or the police reports. They keep insisting that i have to pay this amount. This is fraudulent banking practice. Bank of America has been sued and lost multiple times in the past due to wrongfully practices and unfortunately I am the latest. I'm sure they are doing the same thing to other people across the country. They should do the right thing and cut there losses. That should do whats right and take care of this problem due to identity theft but they care about money doesn't matter if they get it from an innocent person who had nothing to do with the problem on hand other then the fact of being a victim of identity theft. This company needs to be investigated and punished for their wrong doing by this agency. If they don't take care of this problem and do whats right then I will have to take further action. I hope they do the right thing and get this fraudulent card removed from my name.

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 2020-05-15 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: FL

Complaint narrative:
I have sent 3 letters to the credit bureu ( Experian ). In the results of their investigations, they stated in writing that they verified that unverified items are being reported correctly? Who verified these accounts? They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX  XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Late Payments XXXX XXXX  XXXX XXXX Unverified Late Payments Given that I believe you are acting in bad faith, and have not complied with the federal and state law. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file This is my second Complaint im making here with the cfpb, and Experian responded and they came back to me saying ( '' regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' ) Really? 
Im sending you my id and all my personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX | DOB : XX/XX/1979 attached with my credit report which include the addresses i lived in the past 2 years.

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 2020-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: NM

Complaint narrative:
Dear Consumer Financial Credit Protection Bureau ; This is concerning : XXXX XXXX  - XXXX XXXX XXXX., XXXX, Wi. XXXX XXXX Account # XXXX I ordered a robe, when it came in it did not fit. So I packaged it up and returned it. I called XXXX  XXXX they acknowledged they received it. All of a sudden I started receiving so many threatening phone calls, letters I mean 2-3 letters a week, 2-3 threating calls per week. All to receive {$31.00} for shipping? I shipped this product my self. 
I got on XXXX  and filed a dispute they said it was taken off my credit bureau, Yet I'm still receiving threating letters. This is starting to hurt my credit. Yhey are saying I missed 3 payments. This has got to stop! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation