vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
i have never received any type information about this debt that i owe, never received nothing in writing, i never received anything by phone about this XXXX debt. i have paid XXXX to this agency and that was the final payment, however now on my credit report is coming back that i owe this XXXX this is wrong, this is inaccurate, this is a error, this is a mistake, and this is against the law to not accurate report on someone's credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Capital One, and Kohls Capital One. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is Kohls Capital One Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: TX

Complaint narrative:
XXXX XXXX XXXX loan reported as charge off on credit report. The account should read as paid derogatory, because I reached a settlement agreement with their contracted debt collection company ( XXXX XXXX XXXX ) to pay a total of {$1500.00} to settle the debt. I paid the debt in two payments and company has refused to provide me with settlement papers and report my account to the credit reporting agency as Paid derogatory. I have contacted them over 15 times, but have not been able to resolve. Additionally, loan balance and interest are close to the same amount, making me wonder if interest paid and loan payments are more than a military member should have paid, especially after they repossessed the vehicle I had to pay to get the vehicle repaired twice. Additionally, credit reports still show balance and should read {$0.00} balance account settled and paid and/or paid derogatory.

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 2021-02-19 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: CO

Complaint narrative:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I've also attempted to remove the late payment by challenging it thru the credit bureaus. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In relations to complaint number XXXX that I submitted on XX/XX/XXXX, I received an email from CFPB on XX/XX/XXXX stating, " this complaint lists someone the company does not recognize as their customer or their customer 's authorized representative. '' But Experian, you sent me an email on XX/XX/XXXX at XXXX stating that you all are still working on my dispute that I submitted on XX/XX/XXXX ( please see attachments ). I knew the account I disputed on XX/XX/XXXX was closed because you ( Experian ) claim it came back verified as accurately ( please see attachment ). That made me check my Experian account which is when I discovered that XXXX has now been re-opened after you ( Experian ) saw my complaint on XX/XX/XXXX. 

This concludes that you definitely recognize me as a customer and is blatantly avoiding fixing the errors on my credit report. So, how is it that you recognize me as a customer for XXXX but totally ignore the same complaint for a different account with 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 non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I requested my credit report from Experian : I noticed that this company documented the same company that I was listed on my credit report four times, on two sheets of my credit report : ( 1 ) XXXX XXXX XXXX, collection, reported 2 times on my credit report, opened XX/XX/XXXX, {$28000.00}, ID # XXXX, times on my ( 2 ) XXXX XXXXXXXX, ID # XXXX, {$870.00}, date opened XX/XX/XXXX, reported 2 times on my credit report, ( 3 ) XXXX XXXX, {$2000.00}, ID # XXXX, opened XX/XX/XXXX, collection. Reported 2 times on my credit report. 
This is error, I would like this removed from my credit report, I have disputed these accounts several times, however they still remain two times on my official Experian 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 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
someone used all my information two purchase two XXXX XXXX tickets. two tickets in XXXX XXXX XXXX and they are asking to pay back something i never authorized i provided a police report to this company i have provided a notarized affidavit this was identity theft i have provided a identify report, yet they want me to pay for something i never did and they continue to call me and send me letters about debt thats not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC
State: CA

Complaint narrative:
My XXXX XXXX account was fraudulatly used to withdraw money from two of my personal checking accounts with XXXX and BankMobile between XX/XX/XXXX and XX/XX/XXXX. The claim submitted to bankmobile was partially denied because they state the merchant " XXXX XXXX '' has provided them proof that these transactions are mine which is a lie. I have documentation from XXXXXXXX XXXX that confirms i am not responsible. I provided this proof to Bank Mobile however they still denied my claim for the same original reason. My account is overdrawn because they reversed the credit provided to me in 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 2021-02-19 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: NJ

Complaint narrative:
Please help, I am confused! I submitted a complaint regarding Identity theft on XX/XX/2021. It's been hard dealing with these accounts on my report. They don't belong to me and now I am stuck! I don't know what to do or who to turn to anymore. Please help me! Covid-19 has put a halt on my business and this credit situation isn't helping either. I would like to get in control of at least one thing in my life. Section 605 b of the FCRA states that fraudulent accounts must be removed with 4 business days. It has been over a month! Not only that, there are fraudulent addresses on my report that I do not know how to remove. Everything is in shambles and your company doesn't provide the information to help. I am lost.

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 2021-02-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I had a fraudulent claim happen and had about XXXX dollars taken from me. Like anyone would, I filed a claim with BOFA thinking everything would be solved in 45 days. Praying for less of course. Then the following pay day on XX/XX/XXXX. No money in my account and my account was closed. I havent been able to get access for 3 payments now and Im a single mother of twins!! I now have a lot of late fees with a canceled car insurance and overlap in my insurance. 
I am disgusted with the process and the fact that XXXX is waiting for BOFA so I can receive my funds! My account has been open since XX/XX/XXXX they said. Please someone help me. My phone number is XXXX. 
Name is XXXX XXXX. Im about to be in far more debt than I already am and no one is helping! Email address is XXXX Also, not only do I have my stolen funds taken now I cant even get access to my current funds!!! How is this even legal?? This is sickening to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
This is my third complaint. I receive a letter from XXXX XXXX XXXX in the mail indicating that they have been retained by my mortgage servicer, Citadel Servicing Corp. The total amount due in the letter is incorrect. ( {$960000.00} ) I have requested a full breakdown of what that amount entails and how it was calculated. 

I was told by Citadel that I would be offered a feasible repayment plan after my forbearance. I was negotiating the terms of this plan with Citadel and waiting for a response to my question regarding foreclosure to assess my options. Instead of responding, they quietly referred it to foreclosure and retained a trustee to facilitate it. How am I able to make an educated decision on what to do when nobody would tell me a deadline to decide or when they intended on referring it to foreclosure? If they would have informed me of the XX/XX/21 referral date, I would have found a way to make the first payment on the repayment plan by borrowing from friends or family. I would never have allowed this to be referred to foreclosure and have multiple fees assessed. 

This is an invalid foreclosure referral and it should be immediately rescinded. Citadel has violated the California Homeowner Bill of Rights on many provisions. I was never provided with a referral date and I was promised someone would be in contact and nobody contacted me or responded to my questions. This is a clear example of duel tracking. I was given no information regarding a deadline nor offered a chance to appeal the denial of my request for additional forbearance. I was never provided one point of contact and key information was withheld from me. This all being done amid a global pandemic with other state-imposed guidelines in place. 

They have already imposed and began collection efforts for late fees and attorney fees which is yet another violation of the Homeowner Bill of Rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 explanation
Consumer complaint received 2021-02-19 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: IL

Complaint narrative:
The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. This does not belong to me. 
XXXXXXXX XXXX  XXXX Please remove it from my credit report. 
Please note, that you only one Bureau who has reported this negative account on my report. I made a copy of my report, see attachment. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

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 2021-02-19 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, XXXX XXXX, and Comenity Bank XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Comenity Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Citicards CBNA, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and 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 explanation
Consumer complaint received 2021-02-19 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: IL

Complaint narrative:
On XX/XX/XXXX, I sent a letter via Consumer Financial Protection Bureau ( Case # XXXX ) to Citi detailing a fraudulent charge posted on my Citi Rewards+ account ending in XXXX. In response to my complaint, Citi claims they " no longer have the means to further assist me. '' This is in direct violation of XXXX 's XXXX XXXX XXXX XXXX https : //www.XXXX.us/en-us/personal/get-support/zero-liability-terms-conditions.html ) that Citi should abide by since the issued card is a XXXX. 

I have provided significant evidence to Citi in order to show that I should not be responsible for the {$1100.00} charge on XX/XX/XXXX by XXXX XXXX XXXX XXXX. There should be no reason the bank would not be able to assist me further with this case. 

I had canceled the original purchase and now the merchant is showing a receipt under someone else 's name for a product delivered to someone else while charging my credit card. I have not received anything from this merchant nor authorized the charge on my card. I should be protected under XXXX 's XXXX XXXX XXXX with no issues at all.

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 2021-02-19 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: DISCOVER BANK
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Discover Financial. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 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: ACIMA CREDIT, LLC
State: WV

Complaint narrative:
An account with ACIMA CREDIT XXXX XXXX  was open on my credit report for {$4800.00} on XX/XX/XXXX. The status of this account was updated on XXXX XXXX. I have no knowledge or recognition of this account that is reporting on my credit report. So I did not pay this company. This account updated again on XX/XX/XXXX reporting that I know owe them a total of {$5000.00} on an account that is now past due and written off. Under the 604 fair credit reporting act this company is not allowed to report fraudulent or inaccurate information to harm the consumer credit report. The 604 fair credit reporting act also states that if an account is written off then the consumer is no longer responsible for this debt after 180 days of the account being written off. Remove this account immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a with THE HOME DEPOT/CBNA customer since 2017 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXXXX/XX/XXXX Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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