vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-30 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: Kriya Capital, LLC
State: TN

Complaint narrative:
On XX/XX/2020, I sent a letter certified mail receipt return to Credence Resource Management after receiving my credit report. They are reporting I owe for a debt that I have no knowledge of. I never received any mail from Credence prior to reporting this information on my credit report. After thoroughly investigating, I found Credence not to have a license to collect debt in the State of  Tennessee. I found this information on The Tennessee Department of Commerce & Insurance and spoke with a representative with the State of Tennessee who confirmed the information was correct and accurate. I took a screen shot and included it in the letter I sent certified mail receipt return to Credence. I informed them that they are illegally trying to collect on a debt in the State of Tennessee because they are not licensed in the state. I asked them to immediately remove the item from my credit report and cease attempting to collect on the debt. 

Credence response was the creditor verified that the charges on the account was valid without providing validity of the debt. They failed to address the fact that they are not licensed in the State of  Tennessee and they continue to report the unverified information on my credit report. It is damaging and a defamation of character. I informed them in my initial letter that I would file a complaint with the CFPB, the Attorney General 's Office, and the XXXX depending on their response and the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-30 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$12000.00}, {$2000.00}, {$28000.00}, {$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, XXXXction 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  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX 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
Consumer complaint received 2020-09-30 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: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

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 2020-09-30 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: WA

Complaint narrative:
I am aware of the heightened amount of Stall Tactics due to COVID-19, but I have verified that I am not a credit repair company, and I am sending this letter to dispute that there is a few accounts on my credit reports that are not mine. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: OR

Complaint narrative:
I used XXXXXXXX XXXX XXXXXXXX to refinance my home. The process began in XXXX of 2020 and the final payment to Dovenmuehle mortgage was made on XX/XX/2020. On or around the time of payoff to Dovenmuehle, Dovenmuehle attempted to sell my loan to XXXX. XXXX realized I had just payed it off so the loan transfer was never completed. XXXX XXXX XXXX  and the Title company used informed me I would be receiving a check for just under {$11000.00} ( representing the escrow money from the sale ). XXXX came and went, and beginning of XXXX I called Dovenmuehle " Where is my escrow money '' - they told me " XXXX has it ''. I call XXXX " We never went through with purchasing your loan, why would we have your escrow money? '' I call Dovenmuehle - ( bear in mind now a total of 22 times ), getting different answers, dodge and minimize, let me transfer you to a supervisor - the transfer you to a supervisor routine sent my call into a call completion survey asking how the service was about 8 of these 22 calls ). I was told around XX/XX/XXXX " Oh look, we've found your escrow money '' - you'll get in a few business days. Nothing. I called a week later " where is my money ''. They say " we see it in the account, hmmmm, let me transfer you to a supervisor '' ( only to get cut off once again ). The next time I finally get through I'm told " we cut the check on the XXXX of XXXX but it hasn't been mailed '' - I ask " Can you send it overnight, I'm unable to pay bills and need that money '' - they said yes. It is now XX/XX/XXXX. Yesterday I made 3 calls, the first two got dropped in transfer to a supervisor, the final call asked the front line called " please please ask a supervisor to call me, you are unable to effectively transfer me and I need this money ''. She took down my name, number and old loan number. NO CALL. I call today, they tell me " it looks like the check was mailed yesterday, I can't tell if it was overnight or snail mail maam, I'm sorry you will just need to be patient ''. Dovenmuehle has such a  scarcity of customer service it's astonishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
In XXXX I applied for a Covid forbearance on my mortgage loan and was granted for 3 months. After the first month, we started paying or monthly mortgage payment ( which only put us a month behind ). After the 3 month forbearance period we were sent a bill for our current monthly payment and for the month that we missed. The statement stated that I needed to pay the full amount and if I couldnt call and they would try to assist me in a payment plan for the past due. Each time I called, I was deferred to their call back system because all customer service representatives were busy. I never received a call back from SLS. During this time I made payments to the account which was not reflected on my statements. I recently received a letter from them stating that my loan was in default and I needed make my loan current. XX/XX/2020 I got online and paid in full in order to not be in foreclosure. Today XX/XX/2020, I received a letter stating that they applied the payment to my account but I would have to pay XXXX in order for them to reinstate my account. I tried calling them again and got the same run around ( receive a call back ). 
In addition, I pulled up my account online and noticed activity on my account ( charges ) that were not even related to my mortgage loan. These charges include transactions that are titled single item receipt and unapplied funds unidentified. Further the mortgage payments do not reflect the total amount I paid. 
I have pulled up my bank statements and have proof of them receiving online payments and checks for my mortgage loan.

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 2020-09-30 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Target card I mailed my check to pay my bill. Target keeps calling me regarding this matter. I mailed my check with my bill. When they called me at XXXX on XX/XX/XXXX I told the person that I paid my bill that my bill was mailed. I also told her do not contact my phone number again. Then at XXXX XXXX on the XXXX target called me, then again at XXXX on the same day. I called in the afternoon and told him to not contact me. They are violating my rights as a consumer. That I told them the day before did not contact me and they continue to contact me. They violated my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Dear Customer Financial Protection Bureau, I am contacting you in complaint of Citibank 's abuse of their terms of conditions through not depositing an opening account bonus of {$700.00} to a Citi Priority customer who has correctly and accurately met the conditions to receive said bonus. After originally signing up for a Citi priority checking account on XX/XX/2020. I signed up for paperless statements and deposited a combined amount of over {$50000.00} within 30 days as stipulated by the conditions of the bonus.I met the condition to receive the bonus on XX/XX/2020 which was confirmed by their representative online as well as the Citi Priority Customer care representative over the phone.

The bonus offer clearly states that once conditions have been met for the bonus, it should be paid into the checking account within 90 calendar days of completing all required activities. This would mean I should receive the bonus by XX/XX/2020 at the latest. I have still not received the bonus at of XX/XX/2020, even after all indications were given that I would receive it by this date at the very latest. 

I spoke to a customer service representative today by phone XX/XX/2020 who told me I needed the promotional code so that I would qualify for the bonus. I have never received a promotional code from them, even though I clearly signed up for their {$700.00} bonus promotion. I signed up for the {$700.00} bonus through Citibank 's own website and link to the promotion. The representative indicated that I may not receive the bonus without the code. 

After this I then spoke to their representative by their online chat and they indicated I would get the bonus by the third week or fourth week of XXXX! That would be nearly 1/2 year since I met the conditions to receive the bonus. 

I have attached all my documentation and evidence in the attached file. 

I find Citibank 's customer service quite repulsive. They have constantly lied to me and do not feel obliged to meet terms and conditions, even though they expect their customers to do so. This is not the way a bank should do business in 2020. 

I have attached as much documentation as possible in the pdf file regarding the above. 

Sincerely.

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 2020-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Garner & Conner, PLLC
State: FL

Complaint narrative:
Garner & Conner PLLC Attorneys At Law ( they do not advertise as a debt collector ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX. Phone number XXXX https : //www.garnerconner.com/ My Last communication was in XX/XX/XXXX and since that time have garnished my checking account as of XX/XX/XXXX and left me with no money to pay my bills. I called the number my bank provided me and had to leave a message but got no return call. Around the time of the last communication I hired an attorney to have the matter dismissed " with prejudice ''. This attempt to collect an old debt that has been charged off should be made illegal. Particularly that they can have the matter " legally '' bound by court that they can wipe out your entire bank account so that you can not pay your bills. I have all my documentation for this issue.

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 2020-09-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: Conduent Incorporated
State: NM

Complaint narrative:
I certified for my unemployment the week XX/XX/2020 I got paid XX/XX/2020 to a wrong direct deposit account. I called everyday till today from the XXXX to dispute my case nothing has been resolved Im missing {$160.00} and no ones been able to trace it. I called the bank too. I told unemployment to send my payment to my eppicard account if the bank refuses payment and sends it back to Unemployment to issue payment to my prepaid card but my account is suspend/closed when log or I mean try to log in it say closed account. Why!?! I did nothing wrong on my part to have it closed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: TX

Complaint narrative:
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I was looking at my credit report and seen that I didnt approve nobody check credit and I havent been on website. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I dont have a amount but its showing in my hard inquiries. Company name is credit acceptance

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 2020-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My Bank of America credit card and debit card were stolen back in XXXX, and there were unauthorized charges on the credit card in the amount of {$60000.00}. I reported the unauthorized charges to Bank of America and they opened up the claim. This was happening in the middle of a global pandemic, everything was closed, and the phone lines were overwhelmed. Customer service from Bank of America tried helping out but their Fraud Department did not correctly process my claim. The first claim was denied. I immediately called back and tried explaining the situation because the reasons they gave me for denying the claim made no sense. I honestly do not know what their Fraud Department and Claims Department did with my account, but the second claim was denied as well. I have been calling them multiple times. I submitted all of the documents proving that there was no one authorized to make those charges/purchases including the police report I submitted. Those documents were both physically mailed to Bank of America, and faxed twice! Not once did they review those documents. The last time I called them, they said they have documents, and they went ahead and opened a new claim. Soon after that claim was denied again, and when I called them to ask how come they denied it again after reviewing all the documents, they told me they haven't received any documents! I have no idea what is going on with them, and this has been a nightmare for me for the past several months, and I haven't received anything from Bank of America except the letters of denials. I have made timely reports of unauthorized charges, I filed a police report with local Police Department ( please see attached documents ), I have been calling them non-stop, I notified credit reporting agencies ( XXXX, XXXX, etc. ) to put a fraud alert on my social security ... I did everything in my power to get this resolved, but Bank of America hasn't been helpful at all. They keep charging me interest on charges, adding late fees for something I did not purchase! Those cards were stolen and reported to the police as well!

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 2020-09-30 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 {$8300.00}. 
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 XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy Driving Licenses for your reference. For the record I have lived in the same residence for over 7 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the  verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts. Also there are some inaccurate accounts that are showing on my report that are paid in full and need to be removed/ deleted. Here are the inaccurate accounts : XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX  XXXX # XXXX, ***XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, ***XXXX XXXX XXXX  # XXXX, ***XXXX XXXX # XXXX, ***XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX XXXX # XXXX, ***XXXX XXXX XXXX  # XXXX My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY. They are not accurate. 
My current phone number is : XXXX All other phone numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : Also, my current and only address is : XXXX XXXX XXXX XXXX, Ohio, XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXXXXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX  XXXX XXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation