vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2020-08-06 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2020-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$4900.00}

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 2020-08-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

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 2020-08-06 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$1400.00}

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 2020-08-06 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: AR

Complaint narrative:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: GA

Complaint narrative:
/I stayed at the XXXX XXXX XXXX XXXX XXXX weekend of XX/XX/20. The gentleman that checked me in charged my card but said that he just put a hold on the card. I explained to him that he processed a charge as the card said " approved. '' He then tried to charge it again in which it said, declined. I explained to him that he was attempting to charge my card again which is why it was reporting as declined. I pulled up my credit card history to show him the {$760.00} that was removed from my balance. I received a letter under my hotel door the night before checkout saying my card couldn't be charged. I went and spoke with the accounting personnel explaining to her that my card was already charged. After a very heated exchange I gave in and gave her another card to charge to check out of the hotel. My debit card was charged {$810.00}. I was told that the {$760.00} hold on my account would fall off. When I returned home, I noticed that the charge was still on my credit card for {$760.00}. I called the hotel back and was advised that it could take up to 10 days for the pending charge to fall off. On the tenth day, XX/XX/20, the charge was still on my credit card. I called back and spoke with a manager, XXXX, which advised, " unfortunately there is nothing we can do. It's up to the bank to release the charge. '' I called the credit card company on three way with her and which the rep said, " its nothing we can do, its up to the vendor to remove the pending charge. We can only dispute the item once it hard hits on your account. '' XXXX, with the XXXX XXXX XXXX nor the Citicard rep did anything to address this matter. The credit card rep said the only option I had was to wait until 30 days for the account to refresh itself, in which the system would still see the account pending, and " possibly '' remove it. Today is XX/XX/20, and as you can see, my credit card is still showing a pending amount of {$760.00} from this hotel. I am a XXXX Rewards member and have traveled all over the world and never experienced the incompetence to this magnitude. The hotel staff fails to digest the fact that they have ultimate charged me twice for this stay. A competent hotel team would know that once the hold is placed on the credit card, the final bill is then charged, only billing what is owed, not holding the visit on the card and then charging the visit to another card. I need this item addressed ASAP. We are in the midst of a pandemic, and my husband isn't working and I have {$760.00} held up on a credit card due to the lack of regard by this hotel chain.

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 2020-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC
State: IN

Complaint narrative:
A company called " Capital Link Management '' began texting me on XX/XX/XXXX from the number ( XXXX ) XXXX. The message reads : " [ NICKNAME & MAIDEN NAME ] your account has recently been sent to collections. Due to Covid-19, we understand that this is a difficult time and we are here to help. We have new options and programs to assist you in resolving this matter. Please call to take advantage of this offer XXXX. '' This sounded like scam. Since they were using a nickname and my maiden name that I do not use when doing any business and knowing that I always pay my bills on time, I thought nothing of it. 

I then received a similar text on XX/XX/XXXX. It read " [ NICKNAME & MAIDEN NAME ] This is a message in regards to a settlement offer on your account. We have some Options to help during these tough times. Please call us at XXXX. '' I then started received more texts referencing offers to settle debts with " XXXX XXXX XXXX XXXX. '' Sometimes two copies of the same message were sent on the same day. Since I hadn't done business with this company, I still ignored the messages as they seemed like a phishing scam. On XX/XX/XXXX I responded " Please stop texting me. STOP '' and then received an automatic reply from Capital Link Management that I had opted out of their texting service and will no longer receive messages. This was the first time their company name was mentioned. 
I started receiving daily calls from Capital Link Management at the beginning of XXXX from XXXX. They would leave messages saying various things like " We are trying to find the location of [ NICKNAME MAIDEN NAME ]. '' and " We are debt collector trying to collect a debt from you. '' I also received a strange voicemail from Capital Link Management saying my bank rejected a payment that I had scheduled with them ... which of course, I never did as I have been ignoring the calls. They also referenced the " XXXX XXXX XXXX XXXX '' company was negatively reporting on my credit report, which isn't true either. 

I blocked the number and are still receiving daily voicemails from this company. So in additional to harassment, I am being called about a debt that I do not owe.

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 2020-08-06 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:
XXXX  XXXX XXXX added an account to my Equifax credit. I am not liable for this account. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I keep asking Comenity Bank to communicate with XXXX XXXX concerning an item I never received from XXXX XXXX. 
XXXX XXXX refuses to answer XXXX mails or the phone. 
Thre bank is trying to get XXXX fro me and I never received the jacket

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
A person I thought was my friend that I used to work with, post on her XXXX XXXX ( XXXX XXXXy ) that the first 20 people who comment CASH on her post would receive {$1500.00}. You inbox her and she has you buy a Gift Card of {$100.00} or {$200.00} dollars. Then, of course, she asked for the activation code and the barcode number from the card. She then texts you to call the account [ ( XXXX ) XXXX ]. They then tell you the transfer is on the way but you need to pay the transfer fee that is way over the amount Cash App charge ( {$200.00} ). The Cash App accounts involved are $ XXXX and $ XXXX. This happened on XX/XX/2020 at XXXX XXXX  EST. I request a refund from the person directly, then I requested a refund back through the CASH APP itself but the refund was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: TX

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX {$9000.00} XXXX XXXX XXXX XXXX {$500.00} COLLECTIONS XXXX {$160.00} XXXX XXXX {$1500.00} XXXX XXXX {$580.00} XXXX  XXXX XXXX {$330.00} XXXX  XXXX XXXX {$530.00} XXXX XXXX {$940.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notice that the credit limit on my Capital One Spark credit card was being decreased from {$22000.00} to {$10000.00} because I wasn't spending 50 % of my credit limit over the last 12-24 months. I contacted the credit card company on XX/XX/XXXX and was told nothing could change. I've had this card since XXXX and I've never spent 50 % of my credit limit. I've never run a balance month-to-month in the entire time I've had this card. I use this card predominantly for business travel and business purchases and actually the spending trends in the last 12-24 months don't vary significantly from extended previous periods in my business when travel was lower ( and at those points nothing was changed on credit limits ). When I travel multinationally, I like to have a higher credit limit because at those times airfare expenses combined with temp credit holds at hotels can go into the five figure range. I am a XXXX XXXX with a XXXX XXXX XXXX ( so my annual revenues are reported through the TX SOS site and I have a XXXX XXXX XXXX number -- in short revenue trends are available for Capital One to see ). Last year was one of my strongest years and my revenues this year are on par with last year in spite of COVID. I have a credit score above 800 -- usually between 820-835. I'm wealthier than when the original credit limit was assigned ( by about 3X net worth ). There have been no late payments on any bill I owe. My income is high enough that I didn't qualify for the CARES Act stimulus check. Basically, my financial risk as a customer has steadily dropped over the time I've had this card because of consistent fiscally responsible behavior and a resilient business model. No other credit cards have dropped my limit. The one thing that has changed over the last 12-24 months is that I entered my XXXXs. In fact, I turned XXXX just about 25 months ago. So, I honestly believe this drop in credit limit has nothing to do with my spending patterns, and a lot to do with the fact that someone has decided that business owners in their XXXX don't deserve the same access to credit that younger business owners do. Supposedly Capital One is reviewing all spending patterns right now. It would be interesting to see if folks over 60 are disproportionally seeing their credit limits dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
To Whomever It May Concern : Good morning. I recently got an alert from XXXX  that I got a report filed against me ( for not paying the membership fee ). My credit score has been reduced by 50 points. I have few issues with that : ( 1 ) I never received a bill for the membership fee. I dont understand, how I can be held accountable for a payment on a bill I never received ( especially during a covid pandemic ). The customer rep admitted ( on the phone ) that the bill may have been lost in the mail due to covid.

( 2 ) No one from Barclays reached out to me to notify me that I had a payment due. Instead of notifying me, they went behind my back and bypassed the process to maliciously report me to XXXX.

( 3 ) They have my banking information on file ( as the customer rep said on the phone ). Why did they not debit the baking account? What is the purpose of having that information on file, if they arent going to ever use it.

( 4 ) I have never used the card ( literally never ). 

( 5 ) I alerted them that I will be reporting them to the FTC and they seems to not care.

This is concerning a monthly bill I never received ( it should be a XX/XX/2020 bill that was due in XX/XX/2020 ).

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 2020-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX an automatic payment was made to Mr. Cooper from my bank account. This automatic payment was paid in the form of a check. ON XX/XX/2020, the loan at Mr. Cooper was paid off in a refinance procedure. So, the automatic payment was not cancelled on my part at my bank. It was in the amount of & XXXX. 
I called on XX/XX/XXXX and talked to a representative, that stated that I would receive reimbursement in 5 to 10 business days. It would be refunded to my bank account. This representative did not take a voided check or any bank information from me. On XX/XX/XXXX, I did not have the refund, so I called again to Mr. Cooper and talked with another representative and a supervisor from Texas. The check has not been processed and I called my bank to find out nothing was showing either on our bank side. SO the lady put me in touch with a supervisor that told she was going to rush the request and that I would have a check in 24-72 hours. I waited until XX/XX/XXXX to call again when the check never arrived. I talked to another rep from Texas that said that the check showed requested but that it was not processed because they were doing research. She told me that standard procedure is 15 days for a returned check. Well, we were pasted ten working days. Then I was passed onto another supervisor, who set up a wire to have the money back in my account. She said it would be there Mon/Tuesday, XXXX XXXX. Well, it is XX/XX/XXXX and I still do not have my money back. We are also most at a month and no one can issue me an answer about when I will have the money back. We don't even have an account with them any more. 
I have talked to many different reps and supervisors that tell me different answers to the same question. None of the reps have any idea when and how to get my money sent back to me. I have asked for the check to be overnighted. I was told that can not be done. I really don't care if the money is a wire or a check, I just need the money. This entire experience has caused my family hardship. The money they refuse to give me back is money that is used for the needs of my family. Without this money, my family is suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06 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: MA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$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 ) -- OTHER ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2014 with a balance of {$0.00} -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