vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Capital Bank and BJs XXXX XXXX XXXX XXXX continue to report an account ( COMENITYCAPITAL/BJXX/XX/XXXX ) on my XX/XX/XXXX credit report that they have acknowledged is invalid. XX/XX/XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2021-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
The tracking number ( MTCN ) is : XXXX. 
Amount : XXXX USD. 
Date of Transactions : XX/XX/2020. 
I sent money to a bank account in XXXX, and till now the money didnt get in the receiver bank account and i have the receiver bank statement proof that the money didnt get in the bank account, and I contacted with western union customer service a lot of times by calling and chatting and mailing and still my issue didnt solve, and I contacted also by phone with supervisor and I told him that i made a refund case # XXXX and he told me that the money will refund in 2 business days and till now nothing changed ( after that case I escalated many cases and still my money didnt refund ). 
If you please I need to solve my problem and refund my money. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

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 2021-01-02 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
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 ACCOUNTS -- XXXX. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}. 
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 ACCOUNTS -- 1. XXXX XXXXXX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i paid my XX/XX/XXXX credit card and also paid off a bank of america account that i had and i tried opening an account on either bank and they told me i cant open an account so i went also to another bank and no bank would let me open an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
NewRez LLC d/b/a Shellpoint Mortgage Servicing has : 1. performed TWO Annual Escrow account analysis calculations in XXXX XXXX XXXX and XXXX ) resulting in monthly escrow and mortgage payment increases within the same escrow account computation year, well before the completion of the established escrow account computation year occurred. They are in violation of RESPA Escrow Account Regulations, specifically CFPB 1024.17 Escrow accounts. 

2. removed my ability to view any and all, past and present, Escrow Analysis Statements online, beginning in XX/XX/XXXX, immediately following the second Escrow Analysis, claiming they did so because of a Chapter XXXX Bankruptcy that I filed in XX/XX/XXXX. 

3. continued incorrect and sloppy mortgage loan credit reporting that harms and lowers my credit score unnecessarily, as well as the failure and unwillingness to correct the accounting after I supplied valid information and after receiving disputed information from the major credit reporting agencies. This is privately enforceable under the FCRA, as I have already lodged a dispute with the CRAs, thus triggering reinvestigation duties under 15 U.S.C. 1681s-2 ( b ). Section 1681s-2 ( b ) as opposed to 1681s-2 ( a ) is privately enforceable. See NCLCs Fair Credit Reporting 6.10.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: MoneyLion Inc.
State: IL

Complaint narrative:
My complaint is with Moneylion , Inc. who has reported inaccurate information on my credit report and have not removed after continued effort to resolve. 

I had a credit building loan that was shown closed and paid off on XX/XX/2020 as indicated on my Moneylion mobile app ( see attached screenshot ). As such I assumed my business with the company was complete at that point. 

In XX/XX/2020 while working on credit repair I noticed Moneylion reporting on my credit that I owed them a balance of {$47.00} which was confusing since as I mentioned the account was and still shows as closed and paid off in XXXX. XXXX XXXX sent a letter on my behalf and in which I receive an email from Moneylion denying their adjustment request. I disputed the error on my XXXX app but for some reason was unsuccessful in getting removed as well. In the meantime in XX/XX/2020 they reported me as being 60 days late. At that point since it was not a large amount of money I decided to just pay it on XX/XX/XXXX and was advised that the account was now closed and paid off. 

However, over the next couple of months I continued to get alerts on my credit report of being 60 days late reported by Moneylion. I continued to dispute with no success in removing. I called Moneylion and spoke to a representative that acknowledge the account was closed and paid off. They sent me a letter stating the account was closed in XXXX ( see attached letter and emails ). However, despite acknowledging the error for some reason they continued to report 60 days late for XXXX, XXXX, XXXX, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have two closed Chase Credit Accounts and ONE active Chase Checking account all owned by JP MORGAN CHASE. I requested a cease and desist telephone contact order be made for my credit card accounts. I received notification with US mail stating they have processed the request. Two weeks later, this morning, I received an email stating my mobile number had been removed from XXXX. XXXX is a payment transfer service with Chase Checking account services. 
JP Morgan Chase Bank has stated on numerous occasions the Checking and Credit services are completely separate services and the one can not assist the other. With that being said, removal of my telephone number from the XXXX database should NOT have occurred. This is an unfair and deceptive business practice Chase bank is engaging in using US Federal Law on processing of cease and desist orders, GLOBALLY with Chase owned or leased services, as a way to punish the consumer for not allowing a debt collection call. 
Note : Cease and desist request was made due to totals of 12 or MORE calls from Chase Bank were coming in PER DAY. This in itself is a violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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 {$0.00}, {$0.00}.

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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 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: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
It is very simple I had a secured credit card with BBVA ( at that time Compass ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my XXXX ( only XXXX ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with XXXX and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time BBVA confirming the accuracy of the reporting, I began hunting down who to contact at BBVA since I no longer had the full account number any longer or where to begin, finally I was able to get through on some XXXX phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02 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: TX

Complaint narrative:
I have disputed two fraudulent charges in my prior complaint but after four months XXXX has only issued a partial credit for one of the two charges which total almost {$180.00} plus interest charges of more than {$30.00} so far. The disputed charges took place on XXXX. 

Each XXXX rep I have talked to agrees the charges are fraudulent, but only a partial credit has been issued so far. 

XXXX 's response to my initial complaint was replete with misstatements of facts, falsehoods and untrue statements. I was never consulted during their investigation ; they relied entirely on fraudulent statements from the merchant. XXXX appears to be conspiring with this merchant to defraud 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 2021-01-02 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: GA

Complaint narrative:
Bank of America branches are closed so I was asked to make a credit card payment thru there ATM. On XX/XX/2020 at XXXX XXXX, I tried to make a payment of {$1700.00} at the XXXX XXXX XXXX branch in XXXX GA. The ATM took the cash and gave me a receipt saying that it couldnt process the deposit. Since XX/XX/2020 I have called Bank of America numerous times and they are unable to give me a resolution. They took my hard earned money and making me run from one department to the other.

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 2021-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I submitted information to this credit bureau in XX/XX/2019. I have yet to receive valid information confirming these accounts that were open fraudently. I dont know what else to do I can not afford an attorney to get this information handled any other way. The following accounts XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the XX/XX/XXXX, and XXXX XXXX XXXX are all listed incorrectly on my credit report. Some of these accounts are 4 yrs old and are not factoring my credit as much but they shouldnt be on there at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation