vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am a victim of identity theft and this account does not belong to me. I have contacted this company yet they still report a fraud account that they have no valid proof of bearing my real signature. This account does not belong to me and it was open as a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been diligently working on my credit since XXXX of 2019. I have been in a hardship since the COVID -19 and have contacted all 3 bureaus in reference to the erroneous and inaccurate information on the accounts that were damaging my credit. I was also enrolled with XXXX XXXX and they have charged me {$130.00} for the past 3 years and my credit score just kept going down hill. I have spoken to XXXX over at Equifax customer Service dispute team in reference to the erroneous information and derogatory information that was reported. I am in a very distressed period of my life during this new season of the COVID-19. My business has dropped and my bills are piling up but I have been paying and trying to keep my credibility in good standards. The 3 bureaus have been a thorn in my foot since they are charging for credit reports and they are violating all of my rights as a consumer. I would like an investigation on my credit reports. Equifax, XXXX  and XXXX. I am very stressed in reference to my reports. I take my credit very serious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I logged into my Citi credit card account in early XXXX when I realized my credit card was about to expire and I had not received a replacement card. It was at that time I noticed a letter informing me ( just a few days earlier ) that my credit card reissue had not been approved. After calling Citi, I found out that letter was to inform me that Citi would be closing my account.

Over the last few years, I accumulated debt while working in public service in a fairly expensive city. My payment across all credit lines wasn't perfect, but my payment history w/ Citi was " exceptional ''. I have always made on time payments and often made multiple payments w/in a cycle. While I carried over a balance, often a high balance. I was consistent in making on time payments for 4 - 5 years so  I was shocked when the letter informing me of closure - not only informed me of the closure but also referenced information that was't entirely accurate. 

I called to follow up, however the representative shut me out from speaking to anyone who could give me real answers or appeal the decision. The representative simply stated I'd have to wait until the end of the month to ask Citi to reconsider, so I did. 

When I called - I asked the bank to reconsider opening my card and was informed that there were several questions I'd need to answer. I did. The last questions wasn't really a question but rather a notice informing me that the bank would pull a credit report. I indicated I didn't want to pull a report and asked if that would disqualify me from reconsideration. I was informed that it was just one thing to be considered - and that the request was submitted.

The next day I received communication that since I had withdrawn my request, my card would remain closed. I am confused and still in disbelief. Why would a credit card company treat its customers so poorly. Especially during a pandemic.

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 2020-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear CFPB, I sent a compliant for Experian that I am a victim of identity theft and they keep sending me the same EXACT message for the two complaints that I sent, along with A copy of my social security card and my driver license TWICE.

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 2020-09-10 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:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-09-10 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: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
This item was deleted off my credit then it was put back on now they said I owe for late fees I dont know what they talking about it this is me I want my drivers license with my picture ID proving that this is meI have tried over and over to get this removed when it was deleted and then they issue it back on I dont know whats going on with the system but once its off its supposed South not put back on I had to delete it a XXXX to prove it Worth in XXXX Kentucky XXXX XXXX face when this occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: Westlake Services, LLC
State: CA

Complaint narrative:
Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.

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 2020-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I checked my credit and saw an account from enhanced recovery for {$920.00} for XXXX. My granddaughter used my information to obtain a cell phone. I'd like to negotiate payment of {$400.00} for the balance to be deleted from collections. That's all I can pay as I have been furloughed due to COVID19.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, I have asked the lender to provide clarification for the balance discrepancies and then asked for further clarification on the Payoff statement. 

The amounts just seem high and there is no breakdown of what the balance pertains to.. 

Please see attached Payoff Statement, which is inaccurate and have not received a response from the lender for the wrongful fees/charges added to this. 

Please advise..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
on XX/XX/2020 contacted XXXX at the Executive office to find out that my credit card is still not active. The account states it has a " fraud alert '' placed on the account. On XX/XX/2020 I contacted the early warning fraud department at Citi Bank as directed in the instructions via email. This was then removed upon my bank account information being verified. On XX/XX/2020 I then received a second email from Citi stating the same information, " fraud alert '' was placed back on the account even after previous verification. Upon proceeding to verify my information with customer service again, this time a supervisor, as I escalated the call due to my own suspicions. The account was unlocked and available for one day, I made one transaction for groceries and the account was locked again! I am facing financial hardships due to COVID - 19, not being able to use my account has resulted in a lower credit score for lack of credit usage, and has not allowed me to shop with  convenience. Due to my ethnicity, military veteran status, political campaign contributions, and or credit profile, I suspect this to be discrimination in lending and serious negligence by Citi Bank.

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 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
Today, XX/XX/2020 my lender informed me in order to keep the rate of 2.875 % that was disclosed on my LE I would need to pay {$490.00}. I attempted to lock my rate at the begining and the lender advised against it. The reasoning being, to save me money. I feel deceived. The opt in fee to keep the rate should have been disclosed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I attempted to make a purchase at XXXX with my Citi Bank debit card, with sufficient funds in the account to cover the transaction. The transaction was declined for no clear reason. I called Citi Bank, and provided my full name, bank account number, debit card number, social security number, the exact amount of the purchase and the vendor information, and participated in two separate phone verifications for which my phone carrier charges a $ XXXX fee. I was on the phone for over an hour, during which time several Citi employees told me that they " fixed the problem '' when they didn't. I was ultimately hung up on by a supervisor, despite the fact that at no point did I raise my voice or use foul language. My entire purpose of calling was to determine why I was not being allowed access to my funds via my debit card and how I could resolve the issue, they refused to give me an answer and just said that " they would look into the matter '' with no further details, which I found to be dismissive and unhelpful. This unforeseen banking issue, of no fault of my own, has cost me to lose {$300.00} as I was unable to complete my transaction during the labor day sale.

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 2020-09-10 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: CA

Complaint narrative:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2020-09-10 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: CA

Complaint narrative:
I am asking for the following account to be deleted on my Credit report ; These accounts listed below does not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the West started to charge my business account for monthly account fees without notice. The first time I found out about this is when my credit report showed a collection account for the 2 accounts for  amounts of {$100.00} each in early XXXX. I reached out to Bank of the West whom confirmed that they removed all fee waivers in XXXX of 2020 and upped the charge from {$10.00} a month to {$25.00}. I was never notified and they had my correct phone number on hand and should have called to inform me at any time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX billing department on XX/XX/2020, the customer service agent stated that she did not see any payment of {$25.00}, {$5.00}, or {$10.00} in their system. On their website ( XXXX ) the {$5.00} has been posted but not applied to my account. My medical bills are paid in full. I have filed a dispute with Chase Bank on XX/XX/2020 for the amount of {$25.00}, {$5.00} and {$10.00}. On XX/XX/2020 I received an email from Case Bank stating thats mine requirement has been resolved, I haven't been reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Creditor is reporting inaccurate and fraudulent information on my Transunion credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau Transunion promptly.

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 2020-09-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Creditor is reporting inaccurate and fraudulent information on my XXXX  credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau XXXX  of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX  promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CA

Complaint narrative:
Creditor is reporting inaccurate and fraudulent information on my XXXX credit report. Account was closed on XX/XX/XXXX and listed as a charge-off. Creditor has been reporting before and after reported closure date of late payments. Creditor reporting to credit bureau Experian of satisfactory payment history on my behalf for months stating from XX/XX/XXXX through XX/XX/XXXX to which this information is inaccurate and fraudulent I have not made any monetary payments on this account since creditor has taken possession of the proposed vehicle of the loan I would like this information corrected and creditor remove this account from the Credit reporting bureau XXXX promptly.

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 2020-09-10 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2020-09-10 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: AL

Complaint narrative:
THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by 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 explanation