vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: GA

Complaint narrative:
XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was commenity and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-25 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Shellpoint mortgagee is reporting a foreclosure on my credit report. I never had a mortgage with this company, never heard of them. I have never had a mortgage for the amounts or dates they are reporting. This inaccuracy is preventing us from getting a va home loan. I think they have something to do with XXXX. XXXX illegally foreclosed on my husband 's va home loan when they were not supposed to, but I don't understand where this shellpoint mortgage company is related to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX My social security number is XXXX I have a auto loan with Santander consumer USA I ask consumer service for a extensions for XXXX reason for extension was that I was affected from covid and I can make my payment the next month. But they didn't care and said they couldn't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On or about XX/XX/2021, I used my Citibank card to purchase two round-trip flight tickets from XXXX air for {$1100.00}. We flew on the outbound leg but XXXX canceled the return flights. XXXX was unable to provide a replacement return flight. 

I attempted to get a refund from XXXX, but they did not follow their own procedures and failed to provide a refund in a timely manner. 

I initiated a dispute for {$570.00} ( half of the amount charged ) on XX/XX/2021. 

The only communications that I received from Citibank were : - An immediate communication stating that a temporary credit was being provided. 
- An email on XX/XX/2021 stating that they had contacted the merchant - An email on XX/XX/2021 stating that they had received information from the merchant and would contact me within 10 business days. 

On XX/XX/2021, I logged in to my account to find that the dispute credit had been reversed. After talking with various Citibank representatives, it seems that Citibank intended to send me a letter requesting more information. However, a review of my records shows that they never did so.

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 2021-06-25 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: DE

Complaint narrative:
Im submitting a complaint in reference to XXXX XXXX XXXX XXXX XXXX XXXX. They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.

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 2021-06-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
SPECIALIZED LOAN SERVICING HAS FAILED TO VERIFY THIS ALLEGED DEBT, BY COMMITTING CRIMINAL ACTS OF FORGERY AND ALTERING DOCUMENTS TO COLLECT AN UNJUST ENRICHMENT.

NUMEROUS REQUESTS TO PROVIDE A CERTIFIED COPY OF ORIGINAL NOTE/ HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT HAVE NOT BEEN PROVIDED, SPECIALIZE LOAN SERVICING RESPONDS BY SENDING INFORMATION THAT DOES NOT PERTAIN TO REQUEST AND AVOIDS THE REAL ISSUE SPECIALIZED LOAN SERVICING CONTINUES TO INFLATE ALLEGED BALANCE BY ADDING UNJUSTIFIED AMOUNTS THAT THEY HAVE NOT PROVEN THE RIGHT TO DO SO.

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 2021-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
To whom it may concern : I AM A VICTIM OF IDENTITY THEFT, THIS ACCOUNT DOES NOT BELONG TO ME. 
As per my XXXX credit report, MJ ALTMAN obtained my credit file on XX/XX/XXXX. 
I don't recall applying for credit or employment with MJ ALTMAN. 
From the FCRA 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$2500.00}, whichever is greater. '' From the 1998 FTC opinion letter Greenblatt at http : //www.ftc.gov/os/statutes/fcra/greenblt.htm : " Any person who procures a consumer report under false pretenses, or knowingly without a permissible purpose, is liable for {$2500.00} or actual damages ( whichever is greater ) to both the consumer and to the consumer reporting agency from which the report is procured. '' Please explain your permissible purpose for your obtaining my credit file. Should you not have a permissible purpose, please arrange for payment of {$2500.00} by XX/XX/XXXX. 
Please respond via CFPB.

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 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX I walked into XXXX XXXX of XXXX and walked out with a brand new XXXX XXXX XXXX. 

On XXXX I was called back in to resign a whole new contract, lowering my total and monthly amount. 

On XXXX I was called back in again to try and add a co buyer or return the car. So I brought my brother in law with me to apply, he did, but was denied. They then told me I needed to empty my car out and return it to them. Ca state law says that after 10 days they become my lender, well they dont want to lend to me so the salesman reached in my car and took my keys out of the ignition and kept it from me. I was also told that if I left the premises with their property that they would call the cops on me. Which they did not, because when my spare was brought to me, I left with the car and no cops were called. 

On XXXX my first car payment was due. They would not provide me with an account number and never sent me a welcome letter with any info on how to make payments and where to make them to, so I made two money orders ( which I still have ) and took them down to the dealership, they denied my payment and said Id be receiving something in the mail from their business department, which I did not. 

On XXXX I took my car to XXXX to get a routine maintenance oil change, when I should be able to take it to the dealership to get it for free, but they bullied me so bad, that I was scared to take my car down there and leave it with them because then they could say I just surrendered it. 

On XXXX my car was repossessed from my apartment complex in the middle of the night. Leaving me with no way to work or make money.

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 2021-06-25 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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACI Worldwide, Corp.
State: WA

Complaint narrative:
I received an attempt to collect a debt from ACI, a debt collection company, dated XX/XX/2021 in the amount of {$310.00} The debt states it is from a XXXX account. 

I do NOT have a XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: DISCOVER BANK
State: AZ

Complaint narrative:
Hello, I have had my Discover Secured credit card for about a year and a half and opened my account early 2020. I was told after 7 months of holding my account I would be upgraded to unsecured. I have reached out a few times and they say that they have no control and that the computer decides for them. In the time I have opened the account I have established a {$26000.00} car loan and have never missed a payment, have gotten a car lease and since payed and closed the account with zero missed payments, currently hold a {$400.00} loan with perfect payment history, a Military credit card with an {$1100.00} credit limit with zero missed payments since opening a year and a half ago, a XXXX XXXXXXXX unsecured card with perfect payment history, and an XXXX XXXX XXXX with a {$1500.00} credit line and perfect payment history. I have roughly {$4200.00} in credit between my five credit cards and have never missed a payment on any. In my 16 months of holding a Discover Card and always making my payments on time I feel it must be some type of error that I have not been unsecured at this point in time and Discover will not look further into my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/20 I spoke with a Rep named XXXX about my Capital One credit account. Due to sickness and the pandemic, I had accumulated several late fees. I asked assistance on getting my account caught up. XXXX informed me about " XXXX XXXX XXXX '' that would help me. I was to agree to pay {$60.00} that day and put the account in good standing. She also set the account up for auto pay from personal checking account. The next month on the 9th day I noticed that there was no debit from XXXX XXXX. After waiting a few days, I contacted them XXXX XXXX. They informed me they had no record of me setting up Auto pay. They also refused to remove the late fee. My account fell behind once again. Since then I have made monthly payments. About 3 weeks ago my bathrooms flooded and I had to leave my home for some time. The day my XXXX XXXX payment was due, I made the payment online around XXXX due to the remodel going on in my home. XXXX  XXXX applied a late to my account stating that payments made after XXXX are processed the next day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-25 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: FL

Complaint narrative:
Ok, I am tired of Experian keep on reporting that I have accounts in negative status ( 14 ) which is completely ridiculous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 12 inquiries that I never allowed or made myself. Now, I need for experian to send me full proof that I was late or these accounts belongs to me. They have 30 days to respond or I will sue them for reporting the wrong information and to show where I gave permission for my information to be displayed and for inquiries, show me the proof.

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 2021-06-25 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : KEY BRIDGE # 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 2021-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Zillow Group Inc.
State: FL

Complaint narrative:
Recently refinanced in XXXX with Zillow and we were informed we should expect to make our first payment XX/XX/XXXX. However as we got closed to that date I reached out to Zillow and they said they were still processing the loan. Almost at the end of XXXX I got my first statement from Zillow. So I sent a check thru my bank that got their on XX/XX/XXXX and was cashed on XX/XX/XXXX. However the day after I sent the payment to Zillow, I was notified the that my loan was sold to XXXX. I called Zillow and they said they would process the payment and would send it back. Well that was a lie, so know I have a double mortgage payment with XXXX who said I should contact Zillow. So I contacted Zillow yesterday and they said there was nothing they could. However they cashed a check on a loan they no owned. Please help. BTW the lady I spoke to at Zillow said this a recurring problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Citibank a world bank in the USA issues fraudulent debit cards. Debit cards with wrong info on the back of their affinity.

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 2021-06-25 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: NC

Complaint narrative:
Disputed unauthorized and fraudulent inquiries on XX/XX/2021 was not notified of dispute results, and investigation did not fix errors on my personal credit report. Below is attached a FTC Fraud Affidavit statement that highlights all fraudulent items and inquiries. Dispute confirmation number XXXX and dispute confirmation number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
So I was billed {$1100.00} in 24 transactions in a matter of 2 1/2 hours of being in the air while flying XXXX XXXX on my business account I have since taken all my money out of the state and its been 3 1/2 months of fighting them for fraud and Im already proved it was all unsolicited and its taking so long to get my money back but I think now theyre fraudulent holding my money from me. 
So on XX/XX/XXXX I was in the middle of flying to XXXX XXXX with my business account thank XXXX I took all the money out of the savings account was hit by XXXX for the amount of over XXXX dollars.

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 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/28 I did on online deposit to my Capital One bank account with a check issued by XXXX XXXX XXXXXXXX XXXX he amount of XXXX. There seems to be a glitch in the system but by hte end it looked like it went through, On XXXX I checked my account and the funds were not there. Thinking the glitch was the issue I redeposited the check. On XXXX that check was returned as a duplicate submission however I still did not have credit for the funds in my account On XXXX I called the Capital One they asked that I call the issuer ( XXXX XXXX and XXXX XXXX XXXXXXXX ) and see if the check had cleared the bank. They send me a copy of the cleared check stating that the orginal deposit on XX/XX/28 had been received and that Capital One in fact had my funds on XXXX from the orginal deposit. The back of the cleared check clearly shows the funds went into Capital One on XXXX R/T XXXX Seq number XXXX on XXXX there are more numbers R/T XXXX and sequence number XXXX I called Capital One again and was told I was wrong there was no XX/XX/28 deposit. I offer to send a copy of the check they said they did not need it, that there was no deposit. That I should not have credit. I escallated, was told the same thing. I called back again and they again pretty much said I was wrong. Again I asked to just emaila copy of the check so we could look again they told me no. I asked to go up a superivosr level and was told no. I asked to speak to another rep and was told hang up and call back. I will admit I was rude as this is XXXX and I was frustrated, I had been patient for two weeks., Captial One clearly has the funds in their system. They are holding my money without my authorization in effect stealing my money. I am not sure what to do at this point hence the compalint. Please help me get my funds, I can not ask them to reissue the check as it has already cleared the bank. I have copies of all documentation but Capital One will not consider looking at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( by marriage ) Date of Birth : Feburary XXXX, XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX PA XXXX On XX/XX/XXXX I contacted Transunion by phone at XXXX at XXXX by my phone number ( XXXX ) XXXX. I called and asked to be connected to the fraud department due to 11 UNVERIFIED AND UNAUTHORIZED Hard inquiries on my account. I explain to them that these Hard inquiries were made WITHOUT PERMISSIBLE USE on MULTIPLE OCCASSIONS and that due to the FAIR CREDIT REPORTING ACT THEY MUST BE REMOVED. After transferring me 3 times and having to explain my situation 3 different times I was so upset with how they mishandled my request to remove these unverified and unauthorized inquiries off of my report. I did not endorse these inquires and Never gave anyone of the below companies permission to check my credit. I have contacted each creditor directly in which they stated they had no known record of me or any information regarding these inquiries which is why they can not contact the bureau themselves and remove the inquiry which is why I called the credit bureau. 
XXXX XXXX XXXX  Requested on XX/XX/XXXX XXXXXXXX XXXX XXXX  Requested on XX/XX/XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/XXXX XXXX XXXX XXXX on : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXXXXXX XXXX XXXX Requested on : XX/XX/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