vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Look I'm the victim here, this Bank Citibank has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, Citibank was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only 1 XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To begin with, I lived in XXXX for less than 1 year with my parents before attending school in XXXX XXXX. From my understanding, my identity was taken and was used to purchase things on credit. I have not received ANY email notification or communication from the company when the card was originally given to the wrong person. I do not own up to the debt because Ive never seen any statements come to my house, once I found out I called the company to verify the debt and I was met with anger and rudeness. I did not charge {$1700.00} to a card when I lived in XXXX. I need hard proof to show that XXXX XXXX is the one who signed up for the card because I know its not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
Hello, I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 


CONVERGENT OUTSOURCING # 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 2020-08-31 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: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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 — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
At XXXX XXXX on XX/XX/2020, I received a series of text messages from Suntrust fraud alert advising me of multiple possible fraudulent transactions on my credit card, and requesting that I respond with Y or N to block the transactions. I responded with N immediately and called Customer Service, confirming that none of the charges were mine and requested for my card to be blocked from further purchases, and a new one sent out. Even though they had told me my card was cancelled, another transaction went through on XX/XX/2020 and I called again to inquire, this time I was told the charges will be dropped soon. I called again a week later and was told the same, to wait a few days for the charge to be removed, but the charge is still there. Yesterday I called again and was told there isnt even a case open for the charge that went through on XX/XX/2020. How is it that my card was cancelled on XXXX yet at least 2 transactions were approved after I confirmed that the card was being used without my permission, and now nearly one month later with my billing statement coming up, one of the charges is still on my account?! I also bank with XXXX XXXX XXXX and this would never have happened.

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 2020-08-31 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: NC

Complaint narrative:
I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.

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 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have filed an FTC Identity Theft Report and Affidavit under penalty of perjury. I have sent notices to both XXXX XXXX XXXX XXXX with regard to this fraudulent debt. They are both on notice that this debt is the result of credit theft and is not mine. I have not paid a single bill late for over 12 years. I lived at XXXX XXXX XXXX XXXX, PA for over 10 years and then moved a year ago. When I checked my credit for a major purchase, I discovered false information including debts that are not mine. After some investigation I found that someone had gotten my information and was applying for credit at two addresses. I have never lived at ( XXXX XXXX XXXX XXXX PA XXXX or XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX In addition when I changed my Drivers License online to my new address ( XXXX XXXX XXXX XXXX XXXX XXXX ) I noticed that my drivers license address had been changed to the XXXX XXXX XXXX Address ( I never lived there ). I contacted the 3 major credit agencies and they removed some of the negative information but they have not removed the fake address or the fraudulent debt for XXXX XXXX XXXX. In addition I have now received a demand for payment from XXXX dated XX/XX/2020 for the same debt, stating that I now own them {$3800.00} and asking if I dispute this debt. This notice went to my previous address ( XXXX XXXX ) so, I did not get it until yesterday as I have been down with XXXX for the past three months. I am disputing XXXX claim today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 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:
Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also XXXX XXXX XXXX is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

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 2020-08-31 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: CA

Complaint narrative:
Look I'm the victim here, this Bank XXXX has been a problem for years on my Credit Reports. I filed Bankrupty over 15 years ago, XXXX was part of that judgement. I see on my credit report that this account came after my bankrupt. They are really beginning to upset me, not only are they on my credit report, but on my mothers credit report who has no nothing to do with that bank. My old mother doesn't even have a credit card only XXXX XXXX. Me and my mother are victims of fraud, we have reported it. Many stuff on my report are very similuar to my mothers. I'm very upset with all these banks that allow Credit Cards to be open without background checks and liability. This needs to stop. Also Bank Of America is on my report 4 times I've never banked at that bank. Stop this fradulent asctivity

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 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

TRANSWORLD SYSTEM INC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt ENHANCED RECOVERY CO # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I have filed a complaint recently with Experian about XXXX reporting incorrect information and that has been resolved. This complaint is NOT THE SAME- is a totally new complaint however, Experian 's site will not allow me to dispute this erroneous 30 day late item. When you try to upload new supporting documents about XXXX the site will not allow you too. Experian should not be operating in this manner. XXXX has reported my vehicle payment 30 days late last week on or about the XXXX of XXXX and they should not have as the vehicle was totaled and paid off. Therefore, there should be NO LATE PAYMENT on my credit report. Here is the initial dispute I sent last week- that was closed stating I had filed this complaint already and this is not true. 

XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road on XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to Experian, XXXX  and XXXX  as well. They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and it has impacted my credit score and caused my beacon points to drop a negative 48 points.

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 2020-08-31 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: NE

Complaint narrative:
I applied and got approved for a discover credit card account XX/XX/2020, thereafter, upon the company 's request, identity verification documents and forms were requested in order to proceed to open the account. On XX/XX/2020, I faxed the documents which I later found out they were denied because they say the fax documents came back to dark to read. So I decided not to proceed with activating the account. 
On XX/XX/2020, I recieved a letter from Discover saying that they were unable to successfully complete the application review and process until the verification documents were complete which they failed to do so. 
On XX/XX/2020 I recieved another letter notifying me that my account has been closed because my personal information was unable to be verified yet instill the account is listed on my XXXX  credit report account as active as the account was never even activated. 
Today, on XX/XX/2020, I called Discover to ask them to remove their account form my report and they told me that it could remain on my credit report for 10 years when usually when a credit report account has been cancelled or closed, the account information is removed immiedately. 

When this account account was never even activated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt CONVERGENT OUTSOURCING # 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 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
A Chase XXXX-XXXX  transaction was erroneously sent on XX/XX/20 in the amount of {$480.00}. I've explained to Chase the issue and asked for them to work with the institution that received funds to reverse the transaction. I need someone from Chase who can help. They advertise there XXXX with XXXX as a fast, convenient, and safe way to send money. However, sending money to the wrong person is fraud. 
I tried contacting the person who received the money and they have responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: NC

Complaint narrative:
I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.

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 2020-08-31 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: NC

Complaint narrative:
I have sent in proof multiple times proving I do not nor have not lived at the XXXX XXXX address associated with this account. This account has been removed then placed back only my credit multiple times and I would like to see it removed permanently with the ability to be added back removed as well. There is an address and derogatory closed account attached to this complaint that I would like resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
This issue cause my credit to take a dive with XX/XX/2019transactions. I could not understand why my score was so low. I just paid of a home through a sell. AmeriHome is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt PORTFOLIO RECOV ASSOC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants Acceptance Corp
State: IN

Complaint narrative:
I called the company in XXXX, XXXX, XXXX, and XXXX to try to make a settlement concerning my bill. Now the company has sent my account to a third party and I have tried to ask them for a settlement as well and they do not want to work with me to get closer for this account. I can not afford to pay them, however at this moment I don't have a lot of funds to pay them off. Yet, They still call to ask me for the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I have tried to dispute some items off my credit report with Equifax and I am unable to do so. Their website will not allow ANY disputes to go through. Specifically, I am unable to dispute anything on my credit report and there are items on my credit report that should not be there. For one, XXXX XXXX. There are others however, I am not able to see them nor dispute them. Please see my original complaint I submitted last week below. THIS IS A NEW DISPUTE not an existing one. I need a copy of my report and I need to be ABLE TO DISPUTE incorrect items off. 
XXXX Hello, I have had an ongoing issue with XXXX XXXX during COVID about reporting erroneous information to the credit bureau ( s ) since they are aware of this disaster and XXXX told me they would not be reporting payments not received or late. Due to COVID 19 my employment has been shut down and our office closed since XX/XX/2020. However, my payment was current until this month whereby I was ran off the road in XX/XX/2020 and suffered injuries and totaled my vehicle due to an 18 wheeler hitting us and not stopping on the highway. XXXX was notified and an inquiry was made to them by my insurance company for a payoff amount. In addition, my adjuster contacted them on Friday, XX/XX/XXXX to get a correct statement on tax and sales of the vehicle. I paid this fee and my insurance company in the settlement had the monies going to XXXX. Therefore, XXXX has received the payoff - were notified and has been updated again last week. XXXX ( AGAIN ) reported a late 30 day payment to XXXX, XXXX  and Equifax as well.  They should not have, just like they should not have a couple of months ago. I want this information removed immediately from all bureaus and its impacting my credit report with Equifax. There are also other items on Equifax report that I need to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: OH

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt. 

XXXX XXXXXXXX  # 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