vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called XXXX XXXX XXXX Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. 

I have tried to explain that I have never had any type of credit card, in my name, in my entire life. 
But, after this XXXX BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer.

My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. 
I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had a Simple account that got transitioned over to BBVA. I can not access my account online and their customer service is atrocious. I was on hold for 30 minutes and ended up getting hung up on. Tried again and have been on hold for two hours with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: LA

Complaint narrative:
XX/XX/ 2021 way over 90 days ago and I have not received no investigation results, I am being totally ignored and treated with no respect of my rights, concerning illegal reporting activities from the bureaus. I sent certified return receipt dispute letters out to Equifax, XXXX and XXXX regarding personal incorrect personal information and another inaccurate account listing as a repossession on my credit report. It is in Violation of The Fair Debt Collection Practice Act section 807 violation misleading and false reporting, this account is inaccurate and I am seeking litigation with proof of the letters I sent out and demand it be removed from my credit report at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Someone had submitted multiple fraudulent applications with multiple banking institutions, including 5 inquires ( of both hard and soft ) which are XXXX XXXX XXXX XXXX, XXXX and 2 COMENITY/VICTORIA SECRET inquiries ( all were reported to the credit bureaus around XX/XX/XXXX to XXXX XXXX 2021 ), and of the 5 applications, 1 was able to go through and be approved, and a fraudulent COMENITY/VICTORIA SECRET store credit card was fraudulently created underneath my name. ( reported to the credit bureaus around XXXX XXXX, 2021 ) I have contacted all the creditors and banks listed above and they had all started an investigation ( except forXX/XX/XXXX, as they indicated they can not find any record of an application underneath my name and SSN that was filed with them, when I can see that on my credit report ) and had closed the account that has been fraudulently opened ( the VICTORIA SECRET store card ). However, all of the information listed above has already been reported to all 3 of the credit bureaus and has already begun to have a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: MA

Complaint narrative:
Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My business account was restricted by JP Morgan Chase bank on Thursday XX/XX/2021. 
I called to find out the reason 3 times on XX/XX/2021, XX/XX/2021 and XX/XX/2021. 
Customer service was extremely rude : when I called second time the Lady stated that Investigator XXXX ( who takes care of my case ) " doesn't want to talk to me, due to he has not enough information and investigation might take weeks or month or years ... ''. I asked to transfer me to Supervisor. Spoke with supervisor XXXX and she stated that I can call back on Mon. XX/XX/2021 and XXXX will be able to provide some information. 
I called on Mon. XX/XX/2021 and get no answer from XXXX again. Customer service representative stated " I doesn't know what to tell you, so I will hang up on you '' and did it. As the customer I was very nice and wanted just to find out what is going on with my account and what is the reason for restriction, even offered to provide all information to help to move investigation forward. 
My money were blocked on account plus all translations, that I have from my vendors every day now are stuck. Based on Deposit account agreement I have right for Disclosure of account information to me, but Chase bank refused to do so. Now I don't have access to my funds, no information from Chase and no terms when they will open access again or will return me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/2021 Simple Bank closed operations and transferred all accounts to its parent bank, BBVA. Since that time, my account has been inaccessible. Trying to register for online banking with BBVA tells me there was a " system error '' - further attempts tell me my account has already been setup elsewhere. The automated customer service phone line hangs up on you. 

XX/XX/2021 attempted to access new BBVA account in accordance with their instructions emailed prior to the transition. Didn't work. 

XX/XX/2021, new attempts to recover a password, remember a username, register for online access or even TALK TO SOMEONE on the phone were unsuccessful. The error message on the website when trying to access online information says to call a phone number. That phone number plays a recorded message that something is wrong, and hangs up on you. 

This is completely unacceptable from a bank. 

All their communication has been done via XXXX, and none of it is true. They have said that the call center is open and stable, and it is not. It just hangs up on you. 

At this point, I have no visibility into my account or access to any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
BBVA bought my bank ( Simple ) and transitioned my 3 checking and 3 savings accounts to BBVA accounts on XX/XX/XXXX. It's XX/XX/XXXX and I only have access to one of my checking accounts. The money in the other accounts is unavailable to me, I can't access it or transfer it. In addition I have not been able to establish online access to any of my accounts - the User ID/password authentication system is broken. I can not verify that my money is safe, and I don't have control over it. I also can not contact customer support to close my account or arrange to transfer my money away from BBVA to another bank, because BBVA has turned off customer support activity - calls to any of their customer support lines result in an automated request to " hang up and call back later ''.

As far as I know, BBVA has taken my money and shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I could not pay my mortgage payments because of COVID-19 pandemic. I have two loan on my home. The problem is with my second mortgage. I applied for mortgage deferment and it was accepted. After six months my first was extended for another six months but my second was denied. The mortgage company started foreclosure notice. After trying to talk to them and explaining my job situation, they did not accept my reason for falling behind my mortgage payments. I borrowed some money and on XX/XX/XXXX made a {$1100.00} payment and on XX/XX/XXXX made a {$1000.00} payment trough my bank. The payments were returned on XX/XX/XXXX and XX/XX/XXXX because my loan was in default. Meanwhile I had to go overseas for work on XX/XX/XXXX. After trying to talk to them to buy some time unsuccessfully and with foreclosure proceedings going forward, again borrowed some money and made a payment on XX/XX/XXXX for the amount {$7100.00}. The foreclosure notices kept coming. On XX/XX/XXXX made a payment for the amount {$2000.00} and on XX/XX/XXXX made another payment for the amount {$3000.00}. After making payments and bringing my payments up to date. They charged me {$250.00} for late charges and drive by appraisal, I tried to talk to them to waive these charges because of the special situation of COVID-19 and jobs which I was having, but did not accept and they also reported my late payment to Credit Reporting Agencies. I have paid all the late charges and appraisal fees and I am up to date on my mortgage now. They could have helped by waving late charges and drive by appraisal.

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 2021-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I filed car on bankruptcy back in 2015 my bankruptcy was dismissed car is been shown on credit as repossession but also in bankruptcy file.

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 2021-05-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is using stall tactics and stating that a Third-Party is disputing when I am disputing this myself ... You all need to stop allowing these credit bureaus to do anything they want to with regards to peoples credit. I am uploading another letter and I want these my original disputes completed within 15 days and results mailed to me. 

Thank You, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Hello CFPB, Recently, I received of my credit report and multiple errors on my Transunion credit report. I am certain that these inaccuracies are affecting my credit file and costing me the ability to apply for other credit. Below are the items that I want verified or removed : - XXXX XXXX XXXX Late Payment/Account XXXX - I have verified with the credit department at XXXX XXXX  that this card should not be reporting AT ALL on my ( XXXX XXXX ) report because I was never a primary account holder on this account. I have already tried to resolve this issue, but since I am no longer on the account, I was not able to get a resolution from the credit bureaus. XXXX XXXX is my wife and the current account holder. Once I ( XXXX ) was removed as an authorized user, the card should no longer be reporting on my Transunion. My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of XXXX are clear, I require these accounts to be removed from all current and future credit reports. Also, please send me the contact information of any individuals and/or organizations you contact so I am able to reach out to them directly on my end. I am certain that 30 days gives them an adequate amount of time for them to take a look at these accounts. By my interpretation of Section 611 ( a ), it is stated that the failure to investigate these items within 30 days constitutes a reason to immediately delete these accounts from my credit file. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
The company is EOS CCA XXXX XXXX XXXX XXXX, MA XXXX. I called them on XX/XX/2021 to better understand why they think I owe a debt that is over six years old that I can not verify is mine. The agent that I spoke to had several dates of service and was unsure which one was correct. She also suggested I just pay it off even though I am not sure it is mine legally. I did sent a dated letter asking them to verify the debt is mine and send over documentation from the original creditor so that I may better understand where this debt originated. Until I spoke to them today, they were calling upwards of 3x a day from spoofed phone numbers and I have yet to receive anything from them via USPS. I recently made a payment on this alleged debt but am hesitant to do so again until they verify that the debt is mine and I receive the documentation I am asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
My husband XXXX XXXX and I had a Barclay credit card. We closed the card in XX/XX/XXXX which terminated any online access. I have been trying to get the XXXX Annual Summary but Barclay has not provided it. Beginning in XX/XX/XXXX I have called the customer service number XXXX on 4 separate occasions. I do not know the card number because we destroyed the cards and because our online access is terminated. However the Barclay rep was able to locate the account by my providing the last 4 of the social security number. The rep would not provide me with even the last 4 digits of the account number. In each of my 4 phone calls the rep promised to mail a copy of the XXXX summary, which I need for my taxes. We have never received the summary. The rep refused to transfer me to a supervisor. The last rep, XXXX was actually rude when I explained it was my 4th call and I had not received the summary that I had been requesting since XXXX. 
My desired resolution is to receive a copy of my XXXX Annual Spending Report Summary.

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 2021-05-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am currently sitting in front of a banker that states I do not qualify for a free checking account because Experian ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. Experian still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and Experian and XXXX  specifically delayed the removal and never applied the proper score increase. Experian has hard inquiries on my credit and Ive not had any request for credit from Experian. XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and Experian reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In XX/XX/2021 I mailed out a dispute to the 3 major credit bureaus on their reporting on a few accounts that are closed.30 days later I have no response nor communication after mailing these letters out thru certified mail.The accounts involved in the dispute are reporting inaccurate payment history information and is hurting my good name and stopping me from advancing as a consumer holding me back from purchasing a new home and i believe such tactics is keeping my score below average.As you know payment history is about 35 percent of a score.The following accounts show errors made to accounts I was never late on and in fact balance was transferred to another account.There area couple violations if not corrected i will have to take actions necessary to correct.Under the FCRA negligence to do a proper investigation.Errors you will see in the attached documents are reporting a 30 day on time and go straight to a 90 day late or 30 day on time ok to 120 days late, one is reporting charge offs other account says on time.. How is that accuarate how is that correct.

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 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I found out about this credit card bill that is in collections. I am a victim of identity theft and I never opened this card nor ever received a bill for this acocunt. Capital One has repeatedly denied my claim of fraud and I wish to state that the phone number and the address associated with the account are not mine. I had other fraudulent accounts opened over the last two years and they have all been deemed as fraudulent in my favor. I would like for Capital One to deem this account also as fraud as it was opened without my knowledge or consent.

Company response to consumer: Closed with explanation