vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
Who it might concern with this letter I inform that my fathers social security number are very similar with only one digit difference we have both the same name and have shared same addresses for the past 15 years. My father social security number is completely the same expect for the last number his social security ends on XXXX and mine ends in XXXX. As a result the creditor XXXX XXXX  with account XXXX and the debt amount of XXXX needs to be removed as they do not belong to me but to my fathers. In case an affidavit is needed my father has signed and dated one with documents confirming that this account belongs to him.

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 2021-10-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is a XXXX account i have fought multiple times, keeps getting closed or removed and then sold to other companies, i provided this info to all 3 credit bureos and experien was the only one giving me trouble and wouldnt remove it from the account, they make it really hard for credit repair and take way to long to update it, i disputed XXXX ( for XXXX  ) and they did nor remove it even though the accoun is closed and removed from XXXX and XXXX ( proof provided )

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 2021-10-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After noticing my identity was stolen I notified XXXX, Experian, and XXXX that there were fraudulent accounts and inquiries being reported without my permission or consent. Starting with US SM BUS ADMIN ODA XXXX XXXXXXXX XXXX on XX/XX/2021 and XXXX XXXX, XXXX XXXX on XXXX XXXX, XXXX on XXXX XXXX, and XXXX on XXXX XXXX. I sent out my own letter not using a third party " credit repair '' service.

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 2021-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
When the COVID pandemic began in 2020 we entered into a deferral to have our mortgage payments put on pause until we could continue our monthly payments. The deferral payments were supposed to be tacked on to the end of the loan. Here we are 18 months later and we are prepared and very ready and willing, to continue our monthly mortgage payments. 

The paperwork I mailed in apparently has not reached Bank of America in their time frame. I called to get the address and was given an address that did not include the suite or included the department nor did I send it in the required envelope that I was u unaware of. 
Via the phone I was also told the payment amount was {$1700.00} which I called and paid. 

XX/XX/XXXX my husband gets a call saying our mortgage is in default because we didnt pay {$1800.00} and they dont have our paperwork on the deferral. My husband says no problem, Ill pay the extra {$100.00} right away. BOA says No, you cant do that, you must make another entire payment of {$1800.00} and you must now enter into Loan Modification! Mind you us entering into Loan Modification is highly beneficial for BOA! NOT US! And the most ludicrous part of this is that we Dont Need our payments lowered! We are Ready And Willing to continue on our same mortgage plan before COVID and pay the {$1800.00} that our payments will be from here on out. Why on Earth are we begging them to accept our payment?? Usually people cant pay and need help because they Cant pay we CAN and Want to pay! They want to force us to pay a lesser monthly amount and add 5 years of payments and interest to our loan instead! Because thats financially beneficial to BOA!! But thats a SCAM they are running on customers! All we want to do is add the 18 months of payments that were in deferment to the end of our loan and pay what they asked monthly! Unbelievable!!

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 2021-10-11 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all XXXX credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number XXXX XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/21 XXXX XXXX XXXX was authorized to repair a light fixture in my pool for XXXX dollars. 0n XXXX was told due to complications it would cost me XXXX to do the repair which I also authorized. On XX/XX/21, the repair was not done and I was charged XXXX. I disputed the transaction since I had not authorized XXXX nor the repair was not done. Citibank informed me that even-though I had not authorized the the XXXX amount nor the work that I was being charged for was not done I was responsible for the charges. I have provided documentation showing the work was not completed and I had to pay another company to deal with the damages caused from XXXX 's XXXX XXXX  to no avail. I need your help. I believe Citibank 's decision on this matter is wrong based on the facts and logic and documentation provided. I should not be responsible for an unauthorized charge for a service not completed.

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 2021-10-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Receiving updates " deposit account '' from Truist. It shows a balance and last for digits of account number. I DO NOT have an account with Truist. I don't know how they got 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 non-monetary relief
Consumer complaint received 2021-10-11 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: DE

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXXXXXX XXXX XXXXXXXXBalance {$0.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$2700.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$3000.00} DEPT OF EDXXXX-XXXX-Balance $ XXXX-Original amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: TN

Complaint narrative:
upon looking at my credit report i notice some fraudulent accounts and inquires i have reach out to have these fix but the problem was not fixed

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 2021-10-11 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: TN

Complaint narrative:
upon looking at my credit report i notice some fraudulent accounts and inquires i have reach out to have these fix but the problem was not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am now able to explain why Bank of America XXXX XXXX XXXX and XXXX XXXX along with employees multiple agencies were in bed together were trying to cover up which came out XX/XX/2021 XXXX in the morning. Claim No. XXXX stolen from me inside, Claim No. XXXX that XXXX XXXX assured me was mine with provisional payment also stolen from me but everyone trying to play tricks on me by denial and I now see why, below. 

On Saturday morning XX/XX/2021 around XXXX XXXX of XXXX XXXX and explained to me 1. you do have an XXXX claim 1. XXXX XXXX. XXXX after a long wait from as she said the Tech department that they said all your XXXX and Social Security benefits went into the same account with bank and you must talk to them about this. The person has the same name but an different address in Michigan and he is not from California the money came from California XXXX program that is what they mean about California and he did get your money. 

Then on Sunday morning I spoke to XXXX at XXXX XXXX and she said yes we will credit your account your claims dispute benefits and yes we can credit it while the Fraud Investigation is pending. 

Then I spoke 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
Consumer complaint received 2021-10-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not 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 non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management has called my phone several times a day for months. I repeatedly asked them to send me the information in writing so I can look over the information and make sure that I am dealing with an actual collection company. Now they are flagging my credit report every week for the same collection. But I still have not received any information in the mail. This company will call from different numbers from all over the united states.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX commenity bank is terrible customer service. I had returned an item I purchased and the amount was credited back on the account. I made an initial payment with a representative and the wrong account digit was entered the payment was never processed and i was never notified of this. I then recieved a 2nd statement, a late fee and a finance fee. the finance fee was chanrged due to representative not completing the correct payment digit on my bank account and i was held responsible for this. the comapony told me there was nothing they can do and i was responsible for it. i then was never notified my accunt number changed in their system transfer so upon calling in to follow up with so much trouble a represenative could not access my information because i had an old account number. the commentiy bank has terrible customer service. very unclear communication. statements can not be accessed online because the web site will not let me access password reset. there is no represenative who can give me a full account number. this whole process is a nightmare and very difficult to get a straight explanation from peole who work for the company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to make a payment on my CapitalOne QuicksilverOne card ending in XXXX, and noticed that my account was restricted for fraud. I called customer service and asked why were they making claims that I the Consumer committed fraud, and informed them that was Deformation of Character. CapitalOne informed me it was fraud because my payment bounced back, I replied I had the account ending in XXXX since XXXX of XXXX and had been making payments from the same account since the beginning of the consumer transaction and just because my payment was returned because of insufficient funds does not institute fraud. And if they had not closed everyone account for fraud who payment was returned then they are in direct violation of 15 U.S. Code SUBCHAPTER IVEQUAL CREDIT OPPORTUNITY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
So randomly today around XXXX i get an email from paypal they literally banned my paypal saying I can no longer do business with them, and I only used it twice to get payments, XXXX payment days ago of {$350.00}, a couple days ago {$600.00} which they reviewed for 24 hours and then it passed the review and all of a sudden, today, they email me saying im limited permanently. This is so ridiculous I didn't do XXXX at all. I use paypal for family and friends and I even have a business one. This is ridiculous I need this ban lifted, I didn't sell anything on this paypal, or even get any disputes. Only XXXX person has sent me money. I need this ban gone, its how they abruptly ban you off their platform without any sort of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11 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: OH

Complaint narrative:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation