vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.

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 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This matter centers on a credit card I had with Capital One which I had paid off in XXXX. 
Some time later, I learned Capital One was reporting a balance owed. Cpaital One and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from XXXX XXXX XXXX, XXXX ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that XXXX XXXX XXXX are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, four days following receipt of their letter, I sent a validation notice response to XXXX XXXX XXXX via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at XXXX XXXX XXXX on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXXXXXX XXXX on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to XXXX XXXX XXXX sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent. 
2 ) Validation of the basis for the debt. 
3 ) Provide a copy of the last billing attempt by their alleged client. 
4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that XXXXXXXX XXXX XXXXXXXX have a debt collection license in the State of California. 
6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, XXXX XXXX XXXX XXXX has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in Superior Court ( Superior Court of California , County of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the XXXX of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank closed my account stating I filed a fraud claim and non payment of account! Both accusations are lies made by Citibank employees who been XXXX XXXX me and harassing me since XXXX, XXXX. 

I filed a lawsuit dispute in regards to merchandise I purchased that the order was not fulfilled by the merchant. The merchant took 3  months but finally placed all the credits on my Citibank credit card account. Citibank employees then opened a fraud claim for transactions that I never disputed. 

Citibank employees then closed my account saying it was due to non-payment of fraud claim! 

Citibank has cut all communication with me and still have my account closed for no valid reason! 

I am saying 100 % all the actions taken again me by Citibank is 100 % XXXX  motivated and the harassment  has caused me financial harm. 

Citibank jeopardized my life and family life by allowing the same group of employees to harass me and send Police to my home based on their XXXX  and ongoing discrimination and harassment. 

To date I have no answers from Citibank stating the reason they sent Police to my home! Why they opened up fraud claims that I never requested, why my account is filled with notes by the same XXXX employees who created this problem, and why my account is closed! 

I have done NOTHING to justify all the bad things CitiBank has done 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 explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to follow up on an issue that I have been trying to resolve with the dealership XXXX XXXX XXXX XXXXXXXX. I have attempted to reach out to the dealership directly, but unfortunately, I have not received any resolve since XX/XX/XXXX. 

As a result, I have been forced to reach out to my auto loan bank, Bank of America, to request a buyback of the vehicle. I informed BOA that they are not supposed to finance a car with a salvage title, which is the case for the car I purchased from the dealership. However, I have been calling BOA every day for the last XXXX days, and it seems that nobody can actually help me. They are requesting that I contact the dealership myself to have them unravel the deal, but since I have not received any response from BOA nor the dealership, I feel frustrated and hopeless. 

Therefore, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter.

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NY

Complaint narrative:
Received a letter on XX/XX/XXXX dated XX/XX/XXXX from NCS, National Commercial Services, stating that I owed {$5300.00} and that I could use my tax refund to settle the account. I don't know what this is about and I tried contacting the company on numerous occasions. I was only able to leave a message once, and my call was not returned. All other calls went to a mailbox that was full. My lawyer sent them a letter stating that I was disputing this alleged debt. They did not receive a response. I was advised to file this complaint and also a complaint with the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
On XX/XX/2023 I disputed this account with Equifax because it was an account that I did not open. I submitted an ID theft affidavit and they did not remove this account from my report. They said it was verified. How can you verify something that is not mine?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX called XXXX XXXX they said that they will take the hard inquiries off. I talk to XXXX they said they would take them off. XXXX Didnt delete it something about more info an fil a cfb report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
Chime bank has let XXXXXXXX XXXX take money out of my account Checking account XX/XX/XXXX XXXX XXXX XXXX and Credit account XX/XX/XXXX XXXX XXXX XXXX a total of {$3200.00}. 

I disputed these charges XX/XX/XXXX so chime close my account XX/XX/XXXX .I have direct deposit from Social Security Chime tell me I have to wait 30 days to mail me a check I can't wait 30 days .rent, phone and lights are due If I would of lost a debit card chime would sent another 2 to 3 business days.Chime has treated me like I'm the criminal instead of the victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous fraudulent accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report immediately.

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 2023-04-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX Bank XXXX XX/XX/XXXX Discover Financial Ser XX/XX/XXXX Equifax Mortgage Ser XX/XX/XXXX Cap XXXX NA XX/XX/XXXX XXXX Mortgage XX/XX/XXXX XXXX XXXX XX/XX/XXXX FD/Synergy XXXX Lending XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: AZ

Complaint narrative:
Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.XXXX shows the Docket number as XXXX XXXX shows XXXX and Experian shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the 3 Credits Bureau

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 2023-04-07 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: NCB Management Services Inc.
State: TX

Complaint narrative:
In XXXX, XXXX credit cards and XXXX other loans ( I don't know if they were pay day loans or what kind of loans because I didn't open them ) were obtained in my name by fraud. 
I don't know who opened them. After much work, the XXXX credit cards and another loan removed their reporting because their investigation showed it was fraud and not my accounts. 

NCB, although the person I talked to said he thought it was fraud, they would not remove. 

I finally just negotiated a pay off with them to get it off of my credit report. I paid them for someone else 's fraud. 

I have a letter from them that they would completely removed the account from my credit report if I paid the negotiated amount. They haven't removed it. After some time they changed the reporting to show that I owed the amount left after I paid the negotiated amount. 
Now they show it has a XXXX balance but have not removed it from my credit reports as agreed in writing. I've attached the letter. 

No other creditors have been as shady and dishonest as NCB, They really are bad and should be investigated without regard to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Dovenmuehle Mortgage, Inc.
State: WA

Complaint narrative:
Good day, Back in XX/XX/2022 I was a few day late on my mortgage bill, but I have spoke to the company and we worked out a solution. They referred me to HUD and I applied for texashomeowner assistance. During the process I was in communication with them. I have spoken to a few agents and also supervisors regarding my loan and they assured me that since I'm was on an active loss mitigation that my credit would not be compromised. I explained to the company that I am XXXX XXXX and my security clearance may be taken away if my credit score drops. That when a supervisor stepped in and mention I should be fine. Therefore taking their word I trusted the company. I was still paying my monthly bill as agreed While on loss mitigation, Texas homeowner assistance was approved by the state and they paid over {$5000.00}. With that payment my account was up to date then it was transferred to a different company. I again called the loss mitigation department to insure that my credit reporting was not compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX XX/XX/XXXX EQUIFAX To whom it may concern, please help me sir or maam! 

You are reporting and publishing inaccurate information ( tradeline ) accounts, personal info, late payments, and inquiries in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 



FRAUD WRONG PERSONAL INFO DELETE XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX INQUIRIES DELETE XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I request that you DELETE/REMOVE the above-listed FRAUDULENT accounts, personal info, late payments, collections and inquiries off my credit report. 

Please provide me with an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address along with a police report of fraud on my profile. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
claim # XXXX I am unable to trust them with my financials, I have a {$20000.00} limit and they use deceptive practices to avoid handling a claim seriously, especially XXXX where fraud is being claimed. 

I went to XXXX store on XXXX and checked out on stand # XXXX ( not self checkout ) with an authorized amount of {$56.00}. 

I reviewed my online transactions on XXXX and noticed that there was a charge of {$370.00} at the same store, confirmed by the store # listed. 

I immediately contacted BofA and began the dispute of the fraudulent charge. 

On XXXX I filed an online police report with the city of XXXX ( location of store ), report # XXXX, I filed the police report because someone if possible should be held accountable for the theft/fraud, especially if it was XXXX employees or BofA. I definitely would not file a false police report and be subject to any legal repercussions. When I went to go update BofA of this report #, I saw that the claim was closed with absolutely no explanation nor a resolution. 

It was too late in the evening to contact that department so I had to wait until XXXX. All I received from BofA was an email saying the claim was closed. 
I tried calling BofA cc fraud department to get an explanation and was tossed around XXXX transfers that took XXXX minutes before getting to whom I thought was the supervisor I had been requesting, it was'nt, an hour later no resolution. The rep XXXX refused to give a managers name or contact info, no email available either. I asked for a XXXX to call me back to assure that this would be reviewed, I was advised that no guarantee of a phone call could be made. 

I am left with this almost {$400.00} bill on my XXXX for a purchase I did not authorize. I feel completely disrespected because the claim was closed down within XXXX with XXXX investigation, so do they think i filed a claim fraudulently? Even after the extensive phone call no resolution was reached, and now I have to pay that amount because my payment is due and I do not want a derogatory late payment mark of a balance going over cycle reported to my credit. claim # 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 2023-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I submitted a dispute since I recognized that there was a substantial charge on my account that was not mine. Citibank replaced my card + credited my account for the charge and removed it from my account and on XXXX XXXX they removed the credit and closed the dispute in the companies favor... .I did not make this charge and let them know it was fraudulent. Why are they holding me responsible? It was for {$5000.00}.

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