vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-27 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Zales ( Comenity Bank ) closed and sold my account while reporting the account as charged off to all major Credit Reporting Bureaus. The name on the account is in the name of XXXX XXXX, the total amount that was sold to a collection agency ( which I did not contract with ) XXXX XXXX XXXX and their reporting it as well. This is a direct violation of my consumers right under title 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Request to remove the fraudulent information was returned with an answer that it was verified to be correct. Zales sent a affidavit clearly that the account was closed and SOLD to XXXX XXXXXXXX XXXX  while still sending charged off account to all major credit bureaus. I have sent XXXX XXXX a request to show where they have authorization to report on the credit for XXXX XXXX along with information that XXXX XXXX agreed to be in a binding contract with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AZ

Complaint narrative:
wrong address and accounts 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 2020-07-27 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: AZ

Complaint narrative:
wrong address and accounts 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 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I make dvds of funerals when families order them. I received an order from a woman, made and shipped it-then got delivery conformation for its delivery, and the person still submitted a charge back. Her credit card issuer, citibank decided in her favor, even though we submitted the USPS verification that her order was made, shipped and delivered to her address. Here is Citibank address Citibank - XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  address XXXX XXXX XXXX, XXXX, CA, 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 2020-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I have been trying to payoff my auto loan in full and the company refuses to take payment or send me my title. They only accept payoff payments by mail, not online or over the phone. I find it unsafe in the pandemic for me to leave my home to go to the post office. However, I did mail the check on XX/XX/XXXX and the company claims they still have not received it despite confirming I had the correct address. I can not keep waiting for my title. I can not register my car so I can park it on the street without the title. Now theyre requesting money orders in addition to the check I already sent which is highly suspicious. All I want to do it pay off my car and get my title. I spent one hour and forty minutes on the phone with them and got nowhere. Just told to wait until they deposit the check Id already sent even though I will now by late on monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-27 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2020-07-27 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: AZ

Complaint narrative:
wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX   XXXX and TransUnion and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX XXXX and TransUnion saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX {$210.00} XXXX {$4600.00} XXXX XXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}

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
Consumer complaint received 2020-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX, Equifax and XXXX and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX, Equifax and XXXX   saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX  {$210.00} XXXX {$4600.00} XXXX XXXXXXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian has failed to comply with the law and supply informationn requested. They did not respond to my letters and continue tor eport inaccuarrate information. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 2020

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 2020-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
As recently as XX/XX/2020 the joint lease account on my credit report reflected closed, paid in full/obligation met. 

On XX/XX/XXXX both my and my co signer 's credit files were hit with over 165 days past due. 

I have already had to dispute this account and asked numerous times for an updated bill upon which I could pay. 

XX/XX/XXXX I called the collection department and explained I never received an updated bill and was told I would not receive one. 

I mentioned my credit report from XX/XX/XXXX reflected a closed and paid account with GM Financial and they said that on their end they did not report that to be true. GM Financial 's billing practices are abusive, unlawful and the oversight has caused me and my cosigner a lot of negative financial consequences. 

Near the end of the conversation I was finally told that I could be sent a payoff letter with the updated amount due. 

This is what I had been asking for from the very beginning when trying to resolve the incorrect end of lease statement received in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AZ

Complaint narrative:
I have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.

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 2020-07-27 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: TX

Complaint narrative:
I have an account showing on my credit report foXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

New Balance {$37000.00} Minimum Payment Due {$740.00} Payment Due Date XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX  I used over XXXX Capital One points to purchase two Business Class tickets on XXXX XXXX for a river cruise in XXXX. The cruise was canceled due to COVID-19. I requested a refund from the airlines for the cash portion I paid for the ticket, and I requested Capital One credit back to my account the points that I used to purchase the airfare ticket, explaining to them the entire trip was canceled due to COVID-19. The airline immediately gave me a refund back to my credit card. The Capital One representative said it would take up to a month to credit my account with the points. Fast forward to today : It has been well over a month and the points have not been returned to my account by Capital One. They do not dispute any of the facts or information I provided to them. When I call all they say is my request is " being looked into. '' Meanwhile, there are many things I need that I could purchase with my points, but Capital One refuses to return the points to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I had been trying to contact the company about the debt when i lost work due to COVID-19. They said they would call me back. I called several times but no response. By the time someone did contact me they had put 60 days late on my credit. I spoke with XXXX XXXX and he said he was trying to help me and that I could make a payment arrangement. I made the arrangement for {$100.00} per month on XX/XX/2020. As soon as I made the arrangement, they put it as a charge-off on my credit. That was very deceitful and unethical. This is very bad on the company especially during a time like this. I had never been late until this disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my  information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

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 2020-07-27 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: NY

Complaint narrative:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a HELOC with XXXX XXXX XXXX that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called XXXX XXXX to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. XXXX XXXX XXXX also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

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 2020-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
" Portfolio Recovery Associates '' is making multiple daily calls to my residence daily. ( XXXX ) I have spoken them and requested they cease these calls. 

They have ignored my requests. Please help. 

Each time the call is from a different number but the Caller ID is " PORTFOLIORECOV '' Thank you, XXXX XXXX XXXX, PA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27 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: AZ

Complaint narrative:
I have been a victim of identity theft. I have asked for these fraudulent accounts be removed from my credit report and it has now been 60 days and these credit bureaus are unresponsive. When you call they say they didnt receive the documents although the certified mail states that they have. I provided the tracking info and was told they would look for it and call back but again no call. I was told it would take another 30 days after they have now had 60 days already to do their job. Att is point I dont know what to do.

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 2020-07-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America made a mistake and tried to pull over {$43000.00} from my personal checking account at XXXX for a BofA visa credit card bill that was around {$4300.00}. I was alerted to this by XXXX, immediately called BofA and they told me that they would correct their mistake and only withdraw the correct amount to pay the balance due on my credit card. They failed to do this incurring a late fee for no payment. Then my credit score was dropped by 167 points. I have spent hours on the phone with BoA trying to rectify their mistake. They finally said they submitted a correction to the 3 credit reporting bureaus but refuse to send me any documentation that they have done so. I am applying for a rental application and I will be denied unless BofA sends me some sort of proof that it was their mistake that effected my credit score. I have spent hours on the phone with them an have not been able to get to a resolution. They refuse to give me any proof that they will file a correction to my credit score with the three credit bureaus.

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