vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: NJ

Complaint narrative:
On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my XXXX  credit report under " Comenitybank/XXXX '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX and XXXX, however this inquiry did not show up, and still does not appear on XXXX  as of XX/XX/2021. I immediately reached out to customer service at Comenity who stated that there was no such inquiry on file in their system under either my full name or XXXX. With this information, I filed a dispute with XXXX  directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called Comenity customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted XXXX by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named Comenity/XXXX dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I lost my personal identification information and recently noticed that a lot of request had been made to open accounts in my name. I have not requested that my credit be pulled or received any merchandise from the companies listed on my report. Transunion will not delete the information that I have explained I did not do. SO I am asking that you assist me with this matter.

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 2021-07-08 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: Freedom Mortgage Company
State: NM

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. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Hello, The following acounts are not mine. 

WAKEFIELD & ASSOCIATES Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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:
XXXX is reporting a late for XX/XX/19 and I ask that they please remove this. I have had an account with you guys for a very long time and I have never been late before and have not been late since. During this time, I did have a family emergency and unfortunately failed to make my payment on time but did pay as soon as I could. I ask that they please remove the late as a one time goodwill adjustment as I have been a very loyal customer. I am in the process of wanting to buy a home and getting this removed would be a great help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I need my bank statements from XX/XX/XXXX to XX/XX/XXXX ; I have been asking Banco Popular de Puerto Rico - where my account is from XXXX until now for this evidence ; and the answer is that they destroyed the information, that they only hold the last seven ( 7 ) years. That they charged {$10.00} dollar per page ; which is outrageous, but still I'm the one who needs the information. 

Please, help me!!! 

This a personal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, I was notified via XXXX that a collections charge dating back to XX/XX/XXXX of {$260.00} from XXXX XXXX was added to my credit report. They advised the debt was associated with my name and SSN ; however, had a " service address '' in XXXX XXXX, MI. I have never lived in, visited or know anyone who lives in the state of Michigan. I contacted XXXX and they advised they have no history with my name, SSN or actual physical address in XXXX XXXX, IA, which is where I have lived my entire life. I then contacted XXXX directly and was advised I needed to file on FTC.gov and contact both XXXX ( which I had already done ) and the collection agency, Sequium Asset Solutions , LLC, who advised they would indicate the charge was identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2021, I ( XXXX XXXX XXXX ) received a email from XXXX XXXX from email XXXX about a property ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I asked for more information about and interested in renting that was listed on XXXX. 
XXXX advised me that the property was still available and sent me an application to fill out, and also advised me that {$1000.00} security deposit and the rent will be {$1000.00} a month. 
On XX/XX/XXXX I drove by the house at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to look at and when I was there looking at it was vacant with no signs of anyone living there. 
So, I filled out the application and email the application to XXXX. He then email me back and said I was approve and If I can the security deposit of {$1000.00} and first month rent of {$1000.00} and last month of the amount of $ XXXX.He gave me a XXXX email of XXXX who he said was his lawyer ( XXXX XXXX XXXX ) and property manager. 
I sent him the security deposit of {$1000.00} on XX/XX/2021 from my XXXX account with Bank of America and the first month payment of {$1000.00} on XX/XX/2021 from my same XXXX account then I went to send the last payment of {$1000.00} from my XXXX account and it didnt go thru and I advised XXXX that XXXX will not let me send the money so he gave me XXXX XXXX tag name of $ XXXX ) info of XXXX XXXX XXXX to send it. So, I sent the last payment of {$1000.00} thru XXXX XXXX to him. 
XXXX confirmed all three payments and advised me that I can meet him at the house on XX/XX/XXXX to pick the keys. 
Later that day XXXX email me asking if I can Pay another {$500.00} to pay for his lawyer airfare, I advised me can not pay that right now and he email me back asking if I can at least {$300.00} and I advised no I cant and I didnt hear back from him after that. 
On XX/XX/2021, I drove the by the house ( XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ) I notice that someone was moving in and was living in the house, The next day a emailed XXXX and XXXX and asked for my money back and to cancel my rent agreement, because I believe I was scam. He responded back he will refund the money a couple days went by, and no refund and I email both again and response back. So filed a dispute with the bank and XXXX XXXX and still waiting for them to finish their investigations. 
The bank and XXXX XXXX refuse to credit back my account the money. Even after I told them that I was scam and someone commit fraud and I filled a Police report and a report with the FTC and after I tried to connect the third party and they will not response back. I don't think they care about their customers.

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 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Not my debit and have already requested documents. They just transfer it to another agency.

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 2021-07-08 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made repeated reports to the credit reporting agencies to remove erroneous data all agencies refuse to provide assistance

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 2021-07-08 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: EQUIFAX, INC.
State: WI

Complaint narrative:
My wife and myself lost our jobs due to COVID. I have found another job at a lower income and my wife has not had her income come come back. Our house mortgage is in forbearance which is not to adversely effect my credit. I have noticed that my credit rating Has dropped and one of the reasons given : Not enough balance paid down over time on real estate secured loans Description A real estate secured loan can be a first mortgage, a home equity loan, or a home equity line of credit. The amount that has been paid down on your open real estate loans is low. People who haven't paid down much of their real estate balances are higher credit risk than people who have This specific information is from XXXX XXXX that I receive through XXXX XXXX ( my credit union ), but my score has dropped on every other financial website that I have received scores from, and when inquiring to my credit history and checking my credit report from the three bureaus I am unable to find where or how this is calculated or why it is being used. 
XXXX XXXX provides credit score reporting via XXXX XXXX. 
How is XXXX XXXX unique? 
It is a tri-bureau score : a single score analyzing the data from all three reporting bureaus Is there any remedy since I thought under the CARES act and my mortgage being in forbearance it would not be effected?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Alum Financial, LLC
State: NJ

Complaint narrative:
To whom it may concern, I was contacted by this company that they were affiliated with the department of the education the were stating how i was qualified for this loan forgiveness program that ill have a 0 interest rate if I join them. and they said I had to pay them {$150.00} for 5 months then all my student loans will be XXXX for 2 years well my student loans were already {$0.00} until XX/XX/XXXX before this company even contacted me and i told them that and thats when they were bribing me about the 0 interest rate as per XXXX the rep there. they got all my information from my student aid account they wrongfully changed my password and fed ID to Federal aid account. I got several emails from my Federal student Aid that there is suspicious activity on my account so I call them and asked they said did you change your password I said no I didn't then I asked the rep about this company that reached out to me they stated that Alum Financial is not affiliated with the department of education and they suggested to change any financial information they may have. There has been a lot of scamming with the federal loans and i know for a fact im a VICTIM. The rep told me from Federal student aid said its been alot of it going around. so after i called I immediately called them and asked them where my money is going if im supposed to be paying for loans through XXXX XXXX the lady XXXX told me it goes to there services they rendered my issue is with this is that you can consolidate your own loans for free on the DEPT OF EDU website I spoke to two different people from this Fraudulent company that i want to cancel whatever you have I want you to delete all my information from your data base they REFUSED to do any of that instead they were threatening me saying that they will take legal action that they will destroy my credit and garnish my wages so i called Dept of EDU to complain and they told me they cant send you to collections if were your loan server not them i canceled on XX/XX/XXXX with XXXX XXXX from Alum and they still harass me and threatening me demanding money till this day..

Company response to consumer: Untimely response
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony Bank 's system duplicated a fraudulent charge on my account on XX/XX/XXXX in the amount of {$1100.00}. 
I reported the fraud and they changed my card number. They refunded one of the charges in the amount of {$1100.00}, leaving the erroneous duplicate charge ( generated by their system ) on my bill.

After numerous phone calls, they changed my account number, not just my card number. 
They rejected the dispute for the case because they said it was not disputed under the correct account number, even though it was. Today they want me to open a new dispute, even though they can see the errors on their part. 
I continue to receive statements with the incorrect balance due of {$1100.00}, plus interest and late fees. Today 's account supervisor is saying their system did NOT charge the fraudulent AMOUNT TWICE IN THEIR SYSTEM, ONLY ON MY BILL. 
Currently on this call for 84 minutes and they are saying they did not refund the fraudulent charge only the duplicate charge, and fraud investigation will once again look at this charge. i will hear back in 3 or 4 weeks, sorry they can not provide any correspondence confirming this information. 
and I MUST remain on hold if I wish to have a resolution. 
My dates of phone calls trying to resolve this issue are as follows : XX/XX/XXXX, XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2021-07-08 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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have a loan with BMW FINANCIAL SERVICE and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called BMW FINANCIAL SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX  and BMW FINANCIAL SERVICE with no successful resolution. XXXX, XXXX  and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, The following acounts are not mine. 

XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Request the following : Method of Verification, Validation of debt and Assignment of Debt. In addition, you would be in violation of my Hipp Rights if these were my acocunts and I did not give premission to share my personal medical informaiton and privacy. 

Please remove ASAP

Company response to consumer: Closed with explanation