vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2020, XXXX XXXX attempted and successfully was able to pull a hard inquiry on my Equifax credit bureau without my consent. A security freeze and fraud statement exists. I contacted XXXX XXXX and was advised that the hard inquiry would be removed within 30 days. Here is a copy of the email on XX/XX/2020 : Were happy to help resolve this issue. 

Dear XXXX XXXX, Thanks for reaching out to us. 
A request has been submitted to the credit reporting agencies depicting a hard inquiry on your credit report for the XXXX XX/XX/2020 credit check to ensure that information no longer appears in the hard inquiry section of your credit report. 
Please be advised it may take such agencies up to thirty ( 30 ) days to update their records.

I have waited for months and the hard inquiry remains. I contacted Equifax and they will not remove the inquiry stating that I must contact XXXX XXXX again. Going through the fraud department of XXXX is very time consuming and they did not correct the error that they did and remove the fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this 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 2020-10-13 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have reached out to Citi, XXXX, XXXX, and XXXX  on multiple occasions to investigate the incorrect reporting of this account and each account. This account is not reporting 100 % accurately and has multiple violations in the reporting. Each time I receive letters saying that this is verified and that the debt is validated ... how is that possible if the reporting is totally inaccurate ... .They did not conduct a proper investigation and they are in violation..I am XXXX ... I will be filing a complaint with the state attorney general if this is not removed immediately ... .see attached report and see below for some of the violations that my untrained eyes see ... someone should be holding these companies accountable to follow the law and guidelines that they are supposed to follow.

This account is charged off and sold to a collection agency but reporting a balance of {$2100.00} this is a violation they are reporting a credit limit on a charged off account. this is a violation they are reporting 2 different high credit limits this is a violation they are reporting a past due balance on an account they sold to a collection agency and charged off ... this is a violation they are reporting 3 different dates of last active. this is a violation ... this account has been re aged the 2 year payment history is definitely a violation ... they are reporting a new charge off each month and this is killing my score ....

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 2020-10-13 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: FL

Complaint narrative:
After carefully reviewing XXXX XXXX I found out the package is delivered that I did not order went to an address that was not my address I never lived on XXXX XXXX I did not order anything or open a XXXX account I want this 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 2020-10-13 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: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs 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 explanation
Consumer complaint received 2020-10-13 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: NJ

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I was not notified that my account was being closed by comenity bank. I was only notified that there hsn credit card accounts were being transferred to XXXX.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: FL

Complaint narrative:
I am a victim of identity theft/fraud. I have accounts that do not belong to me. I have not in any way received goods or services from these companies and I want to report this identity fraud. An FTC report had been filed and is attach to this complaint, please help me to remove this account from my credit.

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 2020-10-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I tried to make a purchase with my

HSBC credit card and it was declined. I called and HSBC suspected fraud and verified my data. After verification, they said my account would be closed down and I would receive a letter in 2 weeks. At that time, they also closed my other credit card as well as my checking account. They also restricted all access to my online account access. I have over {$4000.00} in my account that they will not release and a XXXX  balance on both credit cards. I have called numerous times and am only told I will receive a letter in 2
weeks.

At this point, they are holding my money illegally and closed my account for an undisclosed reason of which I have no idea.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
They are flagging my account without proof that the account is mine. I am a victim of identity theft and I have tried to dispute it and they are not cooperating and removing this collection. Ive never been to whatever school they have listed. They are reporting to all 3 bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-13 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: TX

Complaint narrative:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

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 2020-10-13 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: TX

Complaint narrative:
Inaccurate information being reported FTC, FCRA and FDCPA violations FTC attached

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 2020-10-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2020-10-13 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:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.

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 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My husband used our online billing with our bank XXXX XXXX XXXX XXXX to pay my credit card bill. He accidently paid the wrong credit card - he paid {$5100.00} on XX/XX/XXXX to my CLOSED Bank of America credit card. The card was closed in XXXX. The bank accepted payment. I quickly called the bank to have the money transferred back to my bank account. I have a Service # XXXX ( phone XXXX ). It is now XX/XX/XXXX and I still haven't received my money back. I call the bank multiple times a week and they keep telling me " an additional 1-3 days ''. I received a letter dated XXXX saying the transfer is complete with a Claim # on the letter of XXXX. As of XX/XX/XXXX, my bank still has not received my money nor is there a pending transfer. 

Why would Bank of America accept this payment to a CLOSED account? Why not reject it? What is taking so long to return my money? 

They need to pay me interest and be fined for failing to return my money promptly.

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 2020-10-13 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:
XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX  XXXX CO is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been banking with BANK OF AMERICA for 20+ years and are one of their Platinum Honors clients. Last week I received 11 letters fro BOA stating that they have made the decision to close all of my accounts including my credit cards and my investment accounts with BOA/Merrill. 

I have called the customer service number indicated on the letter only to be told, " sorry Sir, the bank as made a business decision to close all of your accounts, there is no more I can tell you ''. 

To me this seems absolutely baffling and absurd. After all this time as a customer, in the middle of Covid after been laid-off, Bank of America decides they are not going to stand by their customers. 

Why do banks do this to their best customers??? Who makes these decisions? All customers service can tell me is, " the " Bank '' has made the decision ''. 

If you are a current Bank of America customer, please be aware that this could happen to you with no notice and not even a phone call. Proceed with caution!

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 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
on XX/XX/2020 a representative from Quicken Loans called me and tried to sell me a refinance package. He went on with his sales pitch and put me on hold to go check available packages for me ... He never asked if it was OK to run my credit and i never asked him to run my credit. Later that day my bank notified me that i had a hard hit credit check ... it was Quicken loans. Unethical! He also ordered a mortgage payoff notice for no reason ... .i had NO intention of refinancing because i intend on moving in about a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I signed up for paperless billing this week. Today I received an email from Bank of America saying my payment on the XXXX XXXX credit card of {$38.00} was due by XX/XX/2020. I knew I owed more than that so I checked my account online. Sure enough, I owed {$5200.00} this month. The {$38.00} payment was the minimum payment due BUT the email did not say that. I find this absolutely appalling and I know this is how companies keep people on the hook by charging interest each month on the ever growing balance. This is usery and should be illegal.

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 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
Comenity Bank/ XXXX XXXX reporting erroneously on my credit file. I recently checked my credit file and noticed the delinquent notations they have added to my account. I do not remember being late on the dates they have reported nor have I ever received any letters, calls, or notices about late payments from Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: AMERICAN HONDA FINANCE CORP
State: NV

Complaint narrative:
I returned a lease with Honda, it specifically was an Acura, and upon return I was misinformed the next steps. Furthermore, I did not receive any correspondence about approximately {$140.00} owed to close out the lease. Acura locked out my online account and did not send information via mail, but submitting a report to the credit union. Specifically I owed {$140.00} of final payments, my auto-payment did not pick up the fee owed, but it was also reported that I owed more than {$21000.00} to the credit union. I was also told I signed documentation that I did not sign, not was able to be produced by Acura upon request. I My issue is that I was mis-informed, and never contacted before the submission to a collection agency. Furthermore, Acura has not provided any documented proof for their credit report. I paid the amount owed immediately upon notification, which unfortunately was based on seeing my credit score go down rather than being contacted by Acura.

Honda has a history of not communicating to vendors and submitting a credit issue before following the terms of notifying and collecting additional payments. I was a customer of Acura/Honda and have never missed a payment before, but this has lowered my credit score by more than 200 points due to not only the late payment submission but also the submission that I owed more than {$21000.00} instead of the $ XXXX that was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Our mortgage account was sold to another mortgage company. While they have transferred our mortgage, we've made a payment to original mortgage company. Our check was cleared, however, mortgage company is claiming they never received our payment.

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 2020-10-13 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: IL

Complaint narrative:
XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
This account does not belong to me at all! I co tacked the company and they advised that the account is 4 yrs old and belongs to me! Again I advised the company it does not and to remove from my report immediately!

Company response to consumer: Closed with explanation