vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-14 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2021-07-14 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I was scammed by a third party, XXXX XXXX XXXX XXXX to purchase high end computers. The cards in question were paid off within 24 hours opening up the line of credit to make more purchases. Within a week, I was able to purchase over {$64000.00} worth of electronics equipment and was defrauded out of everything. I spoke with the Company representative, XXXX XXXX, 2-5 times daily. The cards in question are as follows : Barclays {$11000.00} ( last 4 of card # XXXX ) XXXX XXXX {$17000.00} XXXX XXXX {$5100.00} XXXX XXXX XXXX  {$18000.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$2100.00} Total {$64000.00}

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 2021-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/21 I was at XXXX XXXX in NY. I tried to use my Netspend card at the ATM. It declined my card and would not dispense any money. On XX/XX/XXXX I called Netspend and they said that my account was frozen because there was suspected fraud activity. I told them that the company that directly deposited my money had called them to verify if the account was still active. I asked why hadn't they contacted me before the denied access. I was told it was their policy to freeze an account if they suspected fraud. So I told them to close the account and send the check to my address. To this day I haven't received my money and I keep getting the runaround about my check. They're saying they sent it to my old address. I have informed delivery so I know that the check was never sent. It's been months and now they're telling me I had to wait 48 hrs to see where the check is at. I called back on 2 days later and then was told I have to wait 10 days for them to do an investigation. This is ridiculous and I want my money back. This company has been nothing but a nightmare since I've had it.

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
In XX/XX/2017, I was living in a student apartment complex, XXXX XXXX. In XXXX and XXXX, of XXXX, management was aware that maintenance was in my apartment three times without giving my roommates and I notice. It was in our contract, that every time maintenance was to be in our apartment, we would be notified. No one was home during these maintenance appointments. However, during one of the three visits, {$1500.00} was stolen out of my room. It also was never replaced. I thought about police report, threatened to sue management, and spoke to the property manager three times. During the last conversation, the property Manager let me know that my roommates and I, due to the inconvenience, would not have to pay the cleaning fee after we move out. Six months to a year after XX/XX/2017, I got a notification that I was being sent to collections for a cleaning fee that I never paid. The cleaning fee that has been sent to IQ Data International Inc., is a fraud account on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14 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: Forster & Garbus LLP
State: NY

Complaint narrative:
My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from Forster and Garbus, LLP. 

First, Forster & Garbus, LLP recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay XXXX ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by Forster and Garbus and the XXXX, XXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and Forster and Garbus, LLP & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the New York City XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from Forster & Garbus, LLP over the years and to now for them to file a lawsuit and not properly notify me is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Hi, I financed a XXXX XXXX in XX/XX/XXXX XXXX Hyundai Motor Finance company. Unfortunately, my car got totaled in XXXX of XXXX. My insurance paid off the loan, since it took about a month to pay off, I also made my regular payments. At the end, I ended up in overpaying of {$900.00}. I asked for a refund, Hyundai Motor Finance agreed. They said, they mailed me a check, I didn't receive it, when I called they said, it'll take 3 months wait time, I have requested to cancel that check and send me another one. They agreed too. Then they said, they have cancelled the check and mailed me another one. To day ( XX/XX/XXXX ), I didn't receive it yet. I called them again, they said, they mailed on XX/XX/XXXX and asked me they can cancel it and send me another one. I don't understand what's the point of sending another one? I'll miss that check again but I'm not losing any other check, only missing mail is from Hyundai Motor Finance! I'm wondering if they are really mailing the check or just telling me? I should have my overpaid money by now, it's been 6+ months. Thanks

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 2021-07-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I received a phone after being online looking for personal loans. A guy said I was approved For XXXX and that they would just need to help me raise my credit score a little bit so the said they were going to deposit money in my acct I needed to return it right away so it looked like I was making a Payment before it was due. They said their name was freedom plus loan and that to get just deposited money into my account that I need to it right back right away. My bank showed a deposit and later I did covered the deposited that were made were not from that XXXX XXXX did cause the guy called my bank made claims and it was a credit towards the claims. I tried to reach back out to the number they were talking to me on and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I cancelled a BJs credit card in XXXX of XXXX. The membership fee was waived and credited to the account the same month. The credit card company, Comenity Capital Bank, continues to report the account as delinquent. I have spoken to Comenity managers several time over the past 3 months to no avail. I have called both reporting agencies ( XXXX and XXXX ) and they confirm that Comenity is still reporting the account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: U.S. BANCORP
State: NC

Complaint narrative:
Elan Financial Services, I have contacted them directly spoke with XXXX XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX XXXX XXXX. I have disputed this many times as well as to credit bureau. XXXX XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with XXXX XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXXXXXX XXXX XXXX XXXX - I have no clue what this account is and it was written off as bad debt. I have tried to contact the XXXX number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. Judge ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the XXXX number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my 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