vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank responded on XX/XX/2019 that : 1 ) On XX/XX/2019 US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. This is my prior address and since I am notified 10 days after mailing, the Cashier 's Check will be returned to US Bank. US Banks XX/XX/2019 letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB '', I request the Cashier 's Check be picked up at an XXXX XXXX, IL location, and 2 )  outstanding is XXXX XXXX {$140.00}.

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 monetary relief
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
This is a complaint against EXPERIAN, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EXPERIAN knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 ) XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 ) XXXX XXXX XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX  XXXX XXXX XXXX ACCOUNT # XXXX, All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time. You are the best company that helps people with these problems, I hope this issue get fixed promptly, 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 non-monetary relief
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Capital One is trying to sue me for a credit card debt that I did not apply for the credit card. My ex-wife opened up several credit cards in my name unknown to me. When going through divorce proceedings I found out she had opened up several cards in my name without my consent or knowledge. The divorce degree says she is to pay these as she is the one who fraudulently opened them up by signing my name for the cards. I also tried to make a police report but was told since it happened in XXXX   it was too late to do the report. Captial One is now trying to sue me for the funds of {$1200.00}. The person I called said I knew about it and that I admitted that I knew about the cards to them which is false, I have never told them this was my debt, I have always maintained it was my ex 's debt. I'm concerned that they are opening fraudulent credit cards from people who have gotten other people 's social security numbers. I'm not sure what else to do. I don't have a lot of money for lawyers to fight this but it is not my bill, it is my ex 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX. Dob:XX/XX/XXXX, Last four of SSN : XXXX. I am writing to report that a lawsuit has been filed for BMW 's violations of California Credit Reporting Act. They have not responded back or even notify that they are aware of the process. 

If BMW want 's this lawsuit dismissed, the late payment needs to be removed from my credit report on the account # XXXX. 

Attached is the suit copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
This is a complaint against EQUIFAX SPECIAL AFFAIRS DEPARTMENT, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EQUIFAX SPECIAL AFFAIRS DEPT. knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 )  XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 )  XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX  ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, 8 ) XXXX  XXXX ACCOUNT # XXXX, 9 ) XXXX XXXX  ACCOUNT # XXXX, 10 )  XXXX XXXX XXXX  ACCOUNT # XXXX, 11 )  XXXX XXXX XXXX ACCOUNT # XXXX, 12 )   XXXX, XXXX, ACCOUNT # XXXX, 13 ) XXXX   XXXX  XXXX  # XXXX, 14 ) XXXX-RETAIL ACCOUNT # XXXX, 15 ) XXXX XXXX ACCOUNT # XXXX, 16 ) XXXX/XXXX  XXXX  ACCOUNT # XXXX, 17 ) XXXX XXXX  ACCOUNT # XXXX, XXXX8 )  XXXX  XXXX XXXX  ACCOUNT # XXXX, 19 ) XXXX XXXX XXXX ACCOUNT # XXXX, 20 ) XXXX, XXXX. 
INQUIRIES ARE AS FOLLOWED : 1 ) XXXX XXXX, 2 )  XXXX  XXXX  XXXX, 3 ) XXXX  XXXX, 4 ) XXXX  XXXX   XXXX, 5 ) XXXX XXXX XXXX, 6 ) XXXX   XXXX XXXX, 7 ) XXXX  XXXX, 8 ) XXXX XXXX XXXX, 9 ) XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX, 12 )  XXXX XXXX XXXX, 13 ) XXXX XXXX, 14 ) XXXX XXXX. 
All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
Around the beginning of XXXX, 2019 I noticed a collection account was added to my credit report. I never received a letter of any debt owed from this company or from the original creditor for that matter of any debt owed, prior to this collection being placed on my report. 
To my understanding they should have sent a letter giving me 30 days to dispute this, or pay it, if it belonged to me. I have no knowledge of this belonging to me. 

On XX/XX/XXXX, I sent this company an email asking them to remove this from my credit report, I never received a response from them. 

Email from me is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28 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: FL

Complaint narrative:
identity thft victim. incorrect info on report XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX  usa/XXXX  XXXX  XXXX XXXX.XXXX. XXXX reporting late payment in XXXX. ( i was never late )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I applied for a home loan ; they were going to pull money out to fix the roof, cut the trees, and do general repair the are badly needed. The VA sent an appraiser out to my home that was here for like 5 minutes. He downgrades the property, which is insane ; the property is 7 miles for the ocean, and major upgrades have been made to the home. So, the loan process came to a complete halt, and I had to excellent another type of loan know I retired, so my income changed, and the only thing I qualified for was an eral VA loan. 
Under this program, there not income verification, so I qualified. I've made serious upgrades to the property, and new XXXX room, a laundry room, I furnished two XXXX rooms, 1. https : XXXX? XXXX & XXXX XXXX https : XXXX? XXXX & XXXX So, the XXXX takes months to go through months! So, I still paying the contractor for put the second XXXX  to I was told to be ready to make a payment in two months after the loan was approved, but I was not notified by any mortgage company giving you a 30-day window to be ready to pay a XXXX note. I'm in my car driving, and I received a text the I would be 30 days late on a mortgage payment! I did not receive a welcome packet or any correspondence at all. So, I called the text, and this was the new mortgage company notifying me on the XXXX of the month that my payment was supposed to end on the XXXX. The Company is Quicken Loans ROCKET Mortgage loan number XXXX. 
On and by the way, I'm as SUPERHOST on XXXX! 
I XXXX  as an XXXX  from the XXXX. I was checking the mail every day for my XXXX plates, which have not come yet, so I would have seen a letter or a packet that was not sent to me. This company lied out the gate and are treating different hero witch is just disrespectful, and anyone, let alone a veteran, should to treated in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone had hit me and totaled my car. the insurance company bouhght the car and paid for the car the the XXXX XXXX XXXX and they are refusing to take my name of even though the car and title are out of my name for 2+ years.

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 2019-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/2019, I noticed a collection account placed on my credit report. 
Prior to this being placed on my report, I never received any letter informing me of any debt owed or right to dispute. 

XX/XX/2019 A letter was sent to this company asking them to remove this item. I still have not received a repsonse from this company. 

letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
accounts showing missed payment when i did not XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS 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 2019-11-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted Citi bank customer service, reporting unauthorized ACH transactions from my savings account. 
Citi bank opened a claim for investigation and I was issued provisional credit on 3 out of 5 disputed charges. The charges occurred between XX/XX/XXXX and XX/XX/XXXX. Citibank claim that the two charges they havent applied provisional credit to, that the charges  occurred long ago, thereby the credit will be contingent upon the response of the Merchant ; and that itll take 10 business days for credit to be applied. 
Transaction of {$1900.00} occurred on XX/XX/XXXX and still within the 2 statement wait time for disputing errors. It is my understanding that Federal Law states that one has up to 2 billing circles to dispute charges on an account. So why is my credit contingent upon the response of the Merchant, especially when the Merchant in question has been unresponsive. 
Citi bank didnt protect my account enough, to prevent unauthorized ACH debit. It is my understanding that youll need a full routing and account details to make this happen. Citibank has also not closed the account in question, even though it has been compromised. 
This is my hard-earned savings for my holiday. 
The reference number for the claim at Citi bank is 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 2019-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
accounts showing missed payment when i did not 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 non-monetary relief
Consumer complaint received 2019-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX I owed under 400 dollars my limit is XXXX dollars. I have always paid my balance in full until XXXX XXXX XXXX committed fraud charging my card over XXXX dollars which the auto insurance paid them then my XXXX XXXX account had some fraud activity which the account was closed So 2 payments had to be rejected Capital one knew the problem and charged those payments after I told them to stop the payments They are making me pay money for something I didn't owe They are cheating me and I want this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 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: LA

Complaint narrative:
HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS 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 2019-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX-Acct # XXXX, ( XXXX ) was removed from my report on XX/XX/2018. In the amount of {$2100.00}. Now I have another company AARGON AGENCY, Acct # XXXX, calling me telling me that I owe them the {$2100.00} as of XX/XX/18. It was removed for a reason. I dont know how this agency got my file to now harass me over a debt that was removed from my report 19 days after it was- DELETED & REMOVED ( see above date ) I have proof showing it was removed and then added again under another collection agency. Please remove XXXX XXXX ASAP, they  are the ones calling and harassing me. I settled with XXXX XXXX XXXX ( XXXX ) And disputed that with you guys and you had it removed, so kindly do that to AARGON AGENCY, they can not double dip. Thats FRAUD!!

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 2019-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 my partner and I attended a XXXX timeshare presentation in XXXX XXXX Nevada. I later found out that my signature had been forged to open a trial vacation club package. The forged signature was attached to a authorization of sale in the amount of {$3100.00}. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$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 and 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 ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit 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 2019-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$94.00}, {$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 and 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 ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$94.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit 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