vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
A few months ago, I disputed an attempt to collect {$220.00} on behalf of XXXX, made by XXXX XXXX XXXX ( XXXX # XXXX ) regarding an ALREADY PAID final bill from XXXX. I have receipts and credit statements to prove this, so I disputed this through XXXX XXXX, sent them my evidence and wasnt surprised to find it removed from my credit due to a successful dispute relatively quickly. However, I then received a letter on the XXXX of XX/XX/XXXX from Credence Resource Management, another debt collector, stating that they had picked up that same debt. The id # for this account is ( XXXX ) I believe this to be predatory collections tactics, on behalf of one or both collections companies. This debt was never existent as the final bill was paid IN STORE, in XXXX Minnesota late last year XXXX XXXX ). 

Id appreciate an investigation into this, and Im going to be filing a lawsuit against one or both of these companies as well because this is just a plain predatory attempt to circumvent my rights, over nonexistent debt. 

If you can contact me at : XXXX I can provide all the necessary documents, receipts and letters as I have to scan them into my computer and Im typing this on my phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On several occasions I have contacted XXXX XXXX, XXXX, XXXX, Capital One, XXXX XXXX, and Infinite to dispute the inaccurate information they are reporting. I have sent in several disputes and have yet to get a response. 
Here is a list of the following dates and amounts for each company listed below : XXXX XX/XX/XXXX {$580.00} XXXX {$1700.00} XXXX  ( XXXX XXXX ) XXXX {$330.00} XXXX XXXX ( CAPITAL ONE BANK ) - XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX {$900.00} XXXX XX/XX/XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
I have received a letter from Selene Finance regarding the servicing transfer. 

This is the only document I received from them. I received this on XX/XX/XXXX. I used the coupon in the document and pay the XXXX payment. 

They have been calling me and tell me I am late on the payment, which I am willing to pay. However, I have never received a statement or payment coupon for me to use. 

I have requested my mortgage statement and payment coupon for four time, and all their customer services told me they have put the note in. 

First time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Second time was requested on XX/XX/XXXX XXXX XXXX PT by phone. 

Third time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Fourth time was requested on XX/XX/XXXX XXXX XXXX  by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX - 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 2020-11-25 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: OH

Complaint narrative:
This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : - XXXX XXXX XXXX XXXX # XXXX - XXXX XXXX  XXXX XXXX # XXXX - XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: VW Credit
State: VA

Complaint narrative:
I am filing this complaint because I as a consumer went on the FTC and CFPB website and use the sample letter to dispute a account with VW Credit , INC, the Original Account # XXXX : VW CREDIT , INC Account # XXXX. I am filing a non-compliance complaint violations against the FCRA and FDCPA that I have a right as consumer to dispute anything on my credit and not get a response back that it is FRIVOLOUS., FRIVOLOUS like I can not do research and investigating to find out. Why the credit bureaus are violating my consumer rights by letting this company report inaccuracies and errors with wrong amounts of what they say I owe and different dates of when I open this account, last activity, and last payment. So, here are the violations as follower. No VW CREDIT THIS IS ME : XXXX XXXX XXXX asking showing you all the violations and misrepresentation you are reporting : I know from studying different agencies website that the creditors and collections companies pay the bureaus to report these items. I wrote to VW CREDIT INC letter of validation about this account but they laugh said FRIVOLOUS WOW. I wrote on XX/XX/XXXX and they received it on XX/XX/XXXX. I have the letter attached that I sent to them. That was the 2nd one they respond to both as FRIVOLOUS. So, since you guys think everyone can pay a credit repair company will I can not. So, here are the violations as followed : 1 ) FDCPA Sec. 807 ( 11 ) they never disclosed that it was a attempt to collect a debt. That is fine.

2 ) Reporting credit inaccurately to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX vs XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. This defamation and causing financial injury. 
3 ) They fail to report to the credit bureaus this account is being disputed. Protection under the FCRA Section 623 that {$1000.00} and higher. 
4 ) Reporting " Re-Age '' by reporting the date of the last activity instead of the date of first delinquency this Fine starting at {$1000.00}. 
This month the FTC, State and Federal law Enforcement Partners Announce Nationwide Crackdown on abusive Debt Collection. 
I maintain a careful record of my communications with you, should you continue in your non-compliance by not deleting this account item from my account. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Please delete this item immediately my finally good gesture. It is cause me harm financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Unaware of inquiry

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 2020-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX XXXX from XXXX wanted me to transfer funds starting at the amount of XXXX XXXX to as much as {$350.00} which he claims would be deposited in my father debit account XXXX I remotely provided debit card information no pin number however they also have my debit card information I'm do have our XXXX XXXX XXXX codes

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 2020-11-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I contact XXXX XXXX to point out all the inaccurate lates payments that were reporting on the alleged account I had with them a month later I see no change on my credit report, XXXX XXXX did not even contact me and I know it is ethical to go into a closed account to remove inaccurate late payments on a consumer file I just don't know why XXXX XXXX is yet to do it. This alleged account is inaccurate because its late payment pattern does not even agree with the payment history key for each bureau its pattern is being reported in your typical 30,60.90 pattern and I prompted them to remove those late patterns for a perfect one since the accounts paid off and an inaccurate account should not be reported at all due to inaccuracy I mean all the status dates are outdated the creditor obviously gave up on ethical reporting a while ago but yet no response, I would like this dispute forwarded to the XXXX XXXX task force to further help with the investigation of this inaccurate 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 2020-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
I have an item on my credit report - that have one amount and there is a collection company collecting three times the amount so im a bit confused -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent letters to Equifax about a few negative accounts they are reporting to my credit report that I want verified with proper documentation. All they keep telling me is it they were verified with no proof at all. That does not do me any justice. It just seems like a computer generated response and they are not following FCRA regulations. If they can't validate these accounts correctly then I need them removed. They are taking my letters serious and these unverified accounts are hurting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
Direct Express has held my funds are electronically against the electronic funds transfer act requested that my funds be released so I can have an accommodation made for me under the Americans with XXXX Act so I may purchase my medicine but that accommodation was also denied

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MS

Complaint narrative:
I recieve unemployment payments to my Eppicard. One day I noticed over XXXX dollars missing from my account in XX/XX/2020 so i made a dispute. Then ordered a new card after I recieved the new card XXXX more dollars was missing from my account again in XXXX XXXX I filed a dispute which no papers were mailed to me after representive told me they would come in 5 days. I got my new card and XXXX more dollars were stolen I made a dispute again in XX/XX/2020 which I was told they would send forms in 5 days. Not only did I not recieve forms for my disputes but you could not reach any over the phone to resolve the issues. After waiting I finally mailed a letter in writing in XX/XX/2020 describing my disputes. In return they finally send a letter saying they wouldnt return my XXXX dollars because they did an investagation and the information they got from the merchant. So I called and the information they gave did not make sense but they wont take a second look. I then asked about the other disputed which almost three months later they had did nothing for my claim. They just sent the paperwork for the other two claims a week ago which it is now XX/XX/2020. Before I could even send in my paperwork for the disputes I just recieved. They have already sent a letter saying they couldnt find fraud. What!!! I just got my forms to get my credit last week. This is Unbelievable these people are scammers and this proves they are not investagating these cases and not returning customers money. I have been fighting to get my money back since XXXX making disputes that they not even sending out so people wont get their credit. This company needs to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NC

Complaint narrative:
Bayview Servicing was my mortgage company on an investment property. Unfortunately, that mortgage terminated with a foreclosure. The delinquency that led to that foreclosure began in XX/XX/XXXX as indicated on the attached mortgage statement from that month and further evidenced by the XX/XX/XXXX statement. So, therefore, on my credit report, the date of first delinquency should reflect XX/XX/XXXX or XX/XX/XXXX at the latest ... which means the derogatory reference should have come off my report at the end of XX/XX/XXXX or should come off at the end of XX/XX/XXXX. 

When I pulled my credit report in XX/XX/XXXX, the date of first delinquency was correctly ( ish ) reflected as XX/XX/XXXX - see attached credit report from XXXX. Sometime between then and XX/XX/XXXX, Bayview changed the date of first delinquency to XX/XX/XXXX. That date is not correct and therefore delays the account from being removed from my credit report. 

I disputed this error through XXXX twice - the second time I added the mortgage statement. Each time, the result came back that " consumer dispute not specific '' even though I not only checked the box that reads date of delinquency incorrect, I also added text specifying the error and attached the mortgage statement. Attached are the dispute results showing that " not specific '' comment. 

To resolve, I am seeking help from CFPB to force this correction on my credit report, so that this derogatory reference rolls off appropriately as soon as possible in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: FL

Complaint narrative:
I am a victim of Identity Theft .I discovered the issue in XX/XX/XXXX and have been trying to work with XXXX to get the issue corrected Since XX/XX/XXXX. I have sent all the required documents to XXXX to get the fraudulent accounts off my credit without any success. I have filed a report with both the Federal Trade Commission and County Police and XXXX refused to remove the fraudulent accounts. XXXX always sent a generic response and I am beginning to believe they are not taking the time to investigate my dispute.I received two letters from XXXX  both dated XX/XX/XXXX, in one of the letter XXXX stated they are unable to locate my credit file in their database with the identification information I have provided. I have sent XXXX my Identification and SSN on numerous occasions and they said they verified the accounts belong to me now they are saying they can not locate my credit file in their database. The second letter states they will not blocked the information from my credit file. I am confused with this response and I need XXXX to investigate my claim with the creditors and not just say the fraudulent accounts belongs to me. I have stated in my police report that I am willing to press charges when the police finishes their investigation. 

XXXX currently has 6 fradulent accounts listed on my credit report. 
Comenity Bank/ wayfair {$5700.00} XXXX XXXX {$1000.00} XXXX XXXX {$570.00} XXXX XXXX {$1600.00} Comenity Bank/ Victoria Secret {$770.00} XXXX {$1100.00} I am not sure how these cards were open in my name because I have only had my SSN since XXXX and should have had XXXX credit scores to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
One Main Financial did 2 hard credit inquiries on XX/XX/20. Only gave permission to run credit once

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2019, NMAC add a hard inquiriy on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiriy on my credit report per XXXX. No contact information has been reported by this creditor. 
On XXXX XXXX, 2019, XXXX XXXX, XXXX  XXXX  add a hard inquiriy on my credit report per XXXX  . No contact information has been reported by this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi bank mastercard was charged {$940.00} in a 30 day period from XX/XX/XXXX to XX/XX/XXXX a total of 5 charges totaling {$940.00} from all from XXXX. This should of been flagged as fraud as we do not and have not used the card in over a year and have a perfect payment history on the card dating to XXXX. We called citi and my wife got a customer service rep in an overseas call center who could not speak clear english and kept reading a script to her. He would not give an operator ID and would not escalate the call. He advised my wife to make a payment on the disputed charges " to protect our credit '' on fraud charges that were being disputed. I called the same day and got an overseas customer service rep and requested the call be transferred to a US based customer service rep. The first customer service rep ( US Based ) also refused to give name or operator ID, when I said I would file complaint with the CFPB, State Attorney General and the FTC, at that point the call was transferred to a Credit Manager by the name of XXXX, Team ID XXXX, XXXX took the info and confirmed that the charges did not match the account history and placed a high priority on the account to the fraud department. I can get no time line and would not of received the service if I did not state I would file a formal complaint with the CFPB. A major concern was the attempt from Citi overseas based CSR to collect on a disputed and clearly fraud charge " to protect our credit ''. This is a violation of the FDCPA and card holder agreement. It should not require a threat to a company like Citi on a clear disputed fraud charge to do the right thing and transfer the call to a level appropriate with the complaint. The charges have not been resolved to date and no date given to resolve. XXXX stated he would monitor the account and agreed the charges were not in line with account history or activity in 20 years it has been open.

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