vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I re opened this because I was unaware of what to do. I have not heard anything back after I submitted the information Ally wanted me to. So a car was opened in my name, I told Ally it could have not been me due to my circumstamces, there is no way I could walk into a delaership and sign some documents to get a car. There was no way I could hve even done that on the phone. I am in the process of trying to buy a house for myself and my daughter, but this is hendering me from doing that. I would like to see this resolved and off my credit. I attached documents of my signature which does not match the contract signature I was sent over by Ally.

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 2020-06-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
XXXX reports I owe them {$2900.00}. XXXX send me a letter that says I owe {$1400.00}. How do I go from owing {$1400.00} to {$2900.00}. XXXX is repsorting inaccurrate information. All equipment was returned to XXXX  so there is no way I owe either of those amounts

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 2020-06-29 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am contacting you again because I filed a complaint about Experian on XX/XX/20 complaint XXXX explaining that accounts for XXXX XXXX, Division of Child Support, XXXX, and XXXX XXXX were not my accounts. All these accounts are FRAUD accounts and need to be deleted and BLOCKED from my Report. I did not open these accounts and have not received anything form these companies. I was told that the investigation would take 30 days but I have allowed well over that period of time & they are still reporting these accounts as of XX/XX/20. I am asking again that these accounts be deleted from my credit report.

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 2020-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card Account was closed and sold to XXXX XXXX and/or XXXX XXXX. I paid XXXX XXXX  {$190.00}. They said my account was paid and will now be reported as paid and closed. Capital One is claiming that I did not paid XXXX, which is not true. I paid them. I have attached a screenshot of my bank statement showing payment. I have reached out numerous times to Capital one. In which I mentioned that they are holding me back at purchasing a home. They are causing my credit score to stall in the upper 600s. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
XXXX  XXXX XXXX and Equifax all incorrect and recorded information. They each indicate that I have delinquent accounts which is incorrect. I have zero delinquent accounts I have no accounts in collection so I dont know where theyre getting this information but it is incorrect please see attached. I have tried to get a student loan that is still showing on my credit report. If in fact I owe the student loan that theyre saying is outstanding I would not have a received a federal tax refund which I have received this year. The department of education had duplicate a loan that I did not have. The one loan shows that a check it out in XXXX when I had graduated school in XXXX so this information is seriously incorrect. With regards to the student loan I have tried on numerous occasions to get it removed and its not been it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: AL

Complaint narrative:
I am contacting you again because I filed a complaint about TransUnion on XX/XX/20 complaint number XXXX letting them know that These accounts listed on my credit report are fraud. I have explained to TransUnion representatives several times but they continue to report Fraud accounts. The accounts for Division of Child Support, XXXX XXXX, XXXX, and XXXX XXXX are not mine. I have not received anything from these companies & did not give them my information to open any accounts. This stuff does is all FRAUD. 
They responded with We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 
I submitted this complaint for this same reason they never do anything to get issues resolved as of today XX/XX/20 they are still reporting these accounts. I am asking again to please delete these accounts from my credit report.

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 2020-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/2018 I dropped my card on the way out going to work. I never noticed it was gone until some time later. I only found out it was stolen because my roommate was bragging to a mutual friend about how she stole it. Soon after I noticed the card was missing and charges were being made the same day. I called Capital Bank and spoke with a representative. I told them what happened and that I wanted to close the account and start a new account because someone had stolen my card. They agreed to close the account and said they would remove the account from my credit report. Since then they only removed the account from collections but they are still reporting late payments each month since the incident. Every time I call they tell me they are working on removing it but its now been reporting late payments going on two years. I have written letters and sent in disputes. Its just not right to do a loyal consumer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud

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 2020-06-29 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: LA

Complaint narrative:
This balance is highly inconsistent erroneous Harmful information displaying on credit report 3 different balances $ XXXX fraud $ XXXX fraud $ XXXX-fraud

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 2020-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had 1 credit card with Bank of America account ( as an authorized user ). XXXX   reported it. Account opened XXXX, still open. XXXX  deleted the account after the 2nd half of XX/XX/XXXX without a valid reason. They refuse to reinstate and lie stating reasons that don't exist or they try to blame it on XXXX  and/or XXXX  who BOTH report it correctly which XXXX  has been told numerous times. XXXX  mistakingly deleted the account the 2nd half of XX/XX/XXXX after I was a victim of identity fraud in XXXX. I have disputed this mistaken deletion of the Bank of America Credit Card by fax, by postal mail, and on the phone as well, asking them over and over to put the account back because it is validly mine ( I'm an authorized user and the account is on same address, never late, same address since XXXX never moved, never anything that would make this account suspicious ). On the XX/XX/XXXX phonecall, I was confirmed of the dispute, and the account was said to be reinstated immediately. Report Number : XXXX Date Generated : XX/XX/XXXX Your dispute results are currently not available online ). It is the only dispute in the account. The mail and fax disputes are not there. After numerous emails with proof to XXXX  and Bank of America monthly, the account is NOT reinstated. It has been over 4 months. XXXX XXXX nonsense responses vary from saying start a new dispute, to saying go to other credit bureaus, to saying they don't have any dispute information, to starting a new dispute again, to calling again, to mailing through postal again, to saying we don't report this creditor ( but they deleted it ),  and never do they acknowledge the existing disputes methods, not the 1 dispute that is online, nor do they look at the proof by Bank of America letter stating it is indeed my ( authorized ) account. COVID makes calling impossible, very hard to reach before COVID as well and since they don't do what they say on there anyway, I don't wish to call. 
Bank of America contact XXXX XXXX XXXX ADDITIONALLY, delete all names that were used in the identity fraudulent ( see the Identity Theft Report ). XXXX  states I used these in applications but those were fraudulent applications so the names used should be deleted accordingly. The rest was already deleted ( fraudulent hard inquiries, fraudulent phone number, fraudulent zipcode ).

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 2020-06-29 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: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

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 2020-06-29 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor or had any affiliation with XXXX XXXX and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I had a Bank of America Merrill Plus Visa Credit Card for years until XX/XX/2019, when this card was suddenly closed by Bank of America without my authorization or even my awareness at all. When this card was closed, I still had XXXX reward points available in my credit card account. Before my card was closed, I never received any prior notification from Bank of American that my card will be closed. Even when the card was closed by Bank of America , Bank of America never notified me this card closure either. 

Two weeks ago, when I was to trying to log into my online account, I found that my card was already closed by Bank of America. Then I called BOA credit card customer service and was told that my card was already closed by BOA in XXXX. However, I didn't even get chance to use my XXXX rewards points before the card was closed. Although in the end of this call, BOA customer service representative let me redeem my reward points for XXXX and XXXX gift cards. However, redeeming points for gift cards made me lose significant value of the points, because the points worth much higher value if I redeem them for air ticket reservations. But unfortunately, BOA customer service representative told me that I can not reactivate this closed credit card and I can not redeem the points for air tickets either. The only redemption option that she offered me was to redeem points for gift cards, which made me lose about 50 % of the point value. 

Since Bank of America closed my credit card without my pre-authorization or even any prior notification, I didn't get any chance to redeem my XXXX rewards points for more valuable air tickets. I must request Bank of America to compensate me at least {$300.00} for the lost value of my reward points. I lost about {$530.00} value for my XXXX rewards points because the air ticket if redeemed can worth XXXX cents/point but the redeemed gift card only worth XXXX cent/point. Now I only request BOA to compensate me {$300.00}, which I believe is a very fair and reasonable resolution. 

Again, I request Bank of America to compensate me {$300.00} for my lost rewards point value and mail the {$300.00} check to my address.

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
Consumer complaint received 2020-06-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have been a Bank of America customer for 18 years. In XXXX I opened a credit card with them and always paid it on time. In XXXX I ran into financial issues because I have lost my business. Bank of America refused to work with me and didn't want to offer me any kind of options. I offered to pay them fully over 60 months at 0 % interest rate, and they refused, and instead opted to pile up interest and late fees onto my balance. In XX/XX/XXXX, Bank of America made me a settlement offer. Bank of America asked me to pay {$6200.00} over the next 90 days. The payment dates were pre-aranged during the settlement. Bank of America said that if I would settle with them, they would not charge-off my account, and instead it would show on my credit reports from all 3 major credit bureaus as " Paid for less than owed ''. On XX/XX/XXXX I finished paying off the {$6200.00} that Bank of America asked me to pay, and immediately it showed on my credit reports as a closed account, paid for less than owed. In XXXX, XXXX, I filed disputes with all 3 major credit bureaus, XXXX, XXXX  and XXXX  because Bank of America kept showing me being late even during the months of XXXX, XXXX and XXXX of XXXX, while I was making my settlement payment. About a month later, I received a dispute resolution from each credit bureau. Instead of fixing what I asked them to fix, Bank of America, out of spite, changed the account status from " Closed '' to " Charge off ''. I can not believe that a multi billion dollar corporation, a bank, that offered this settlement agreement in the first place telling me that it would prevent my account from being charged off, can act in such a childish and immature manner.

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 2020-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have informed all 3 credit bureau 's Transunion, XXXX, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.

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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: TN

Complaint narrative:
Have spoken to people multiple times at this location over the phone have told them we are experiencing a hardship due to covid19 my husband has been waiting over 8wks for unemployment they say each time it is fine they will work with us only to be called again a few days later saying that we haven't spoke to anyone or they don't show any notes on my account last conversation I had was on XX/XX/XXXX spoke to XXXX told him we had some money coming in on the XXXX for our families first emergency assistance and could bring some money in then was told that would be fine but then as of tonight someone came to pick up our vechile although I have emails from the company stating that no involuntary repossession will take place due to the hardship of covid19 which was a lie and I believe they took my car based on market value and the money they would be able to profit in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Unable to connect external services such as XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have informed all 3 credit bureau 's XXXX, Equifax, and XXXX  that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.

Company response to consumer: Closed with explanation