vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : -- -- XXXX and XXXX 2019 for 30 and 60 days late??? -- - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX i received a call at XXXX from Capital One regarding a past due account that was currently 152 days past due. The representative said i need to make a payment in the next 3 days before the account would be closed and charged off. 
Given this information {$400.00} payment was made. I reached out to capital one on XX/XX/XXXX regarding the account still being " restricted ''. I was able to speak to XXXX - Senior account Manager. ( Employee ID : XXXX ) who advised me the account has been closed since XX/XX/XXXX. Capitol One Representative lied about the account to get a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D2 Management LLC
State: CA

Complaint narrative:
I keep getting calls from a company that identified themselves as D2 Management. They are a debt collection company and said that they are located in XXXX South Carolina. They are calling for someone named XXXX. They are calling my work cell that I have had for over 9 months. I do not know anyone named XXXX. 
I have repeatedly told them that the number does not belong to XXXX and the debt is not mine, yet they call anyway. The last call came from XXXX on XX/XX/20 at XXXX PM but I have gotten dozens of calls for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
I made a credit card payment to Barclays Bank for my XXXX Credit Card with 2 checks in the same envelope, one from my business account {$4100.00} and another check from my personal account for {$1000.00}. Both checks cleared my Bank on XX/XX/2020. Barclays only credited the {$1000.00} to my account balance. I did not find the mistake until I received my next bank Statement XX/XX/2020. After much frustration and several calls, I demanded a number in the United States and only then was I directed to their Resolution Department in the United States, XXXX. I faxed in a copy of both checks, front and back showing the date the checks were processed and a bank statement showing both checks cleared my account, The Resolution Department has confirmed my check was cashed by Barclays but they can not locate my funds. I was told it will take 25 business days for them to investigate. I was told they can not send me my money back or credit the {$4100.00} to my account, even though they acknowledge they have proof they received and cashed my check. I was told they can not send me anything in writing guaranteeing my money will be credited to my account. I told XXXX employee ID XXXX, I consider my money stolen. I consider this fraud. Barclays Bank is trying to make their problem of misallocating my money, my problem. Barclays Case # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX To Whom it may concern, ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to  section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Yours Sincerely, 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 2020-01-23 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Who is TJX? Why is this still on my credit report and not remove completely? 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 creditor named on my credit report. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA 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.

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 2020-01-23 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I have called Mr. Cooper numerous times every day since after XXXX to get them to report to the credit bureau a 30 day late payment from XX/XX/XXXX and also that my account was paid off on XX/XX/XXXX in order to proceed with a new loan. All my new lender needs is a leader head with Mr. Cooper on it, my name, account number, and stating that I was 30 days late in XX/XX/XXXX and loan was paid off in XX/XX/XXXX. Mr. Cooper has refused to deliver that document. I need this expedited because we will be homeless after XX/XX/XXXX if this loan doesnt go through. 2 representatives at Mr Cooper said they would send the letter I needed, but I haven't received anything. Also had a representative from XXXX 3way call myself and Mr.cooper yesterday XX/XX/XXXX to satisfy their criteria, however, XXXX   doesn't do 3 way calls, so my family and myself are at the mercy of Mr.cooper and getting nowhere. I would like help to force them to report to the credit bureau or give me that specific letter. Also found out Mr.cooper hase n't reported anything since XX/XX/XXXX. Very nerve racking. Aweful customer service for 5 years now and not accommodating at all. I will tell everyone I know to run from Mr.cooper. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
XXXX XX/XX/XXXX To Whom it may concern, ATTN Fraud  Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I was recently a victim of identity theft. I filed a report with the credit bureaus and also with the FTC and my local police department. These fraudulent accounts appearing in my credit report were deleted. But I woke up this morning to find out that an additional new collections account was placed in my credit report. This account wasnt on there at the time I filed my FTC report and contacted the credit bureaus. It looks like this is one of the fraudulent accounts that was just sold to another collections company. This account is fraudulent, and I dont know where it is coming from. I have never received any services from this company. Please delete and block. There are also some fraudulent inquiries still appearing in my report. I HAVE ATTACHED A SUPPLEMENTAL FTC AFFIDAVIT WITH THE SUPPLEMENTAL INFORMATION HIGHLIGHTED. Thanks Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX   XXXX XX/XX/XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 

Yours Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET

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 2020-01-23 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: FL

Complaint narrative:
XXXX XXXX has been told that this 5othe XXXX   XXXX on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and 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 2020-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: CA

Complaint narrative:
This is an issue with the bank of the west. I have business account with them. 
I made a deposit of {$5600.00} check on XX/XX/2020. There was no hold placed on the deposit. The funds were available the next morning on XX/XX/2020. 
As funds were available, I issued 2-3 checks but then by mid day, the bank put a hold on this deposit. I called my branch to find out what happened. They said it was their back office that placed hold. They were suspecting an early warning on insufficient funds from the other bank. 
In the process, I incurred 3 NSF fees as the checks I issued were bounced. 
I have talked to my branch 6 times already about why was the hold placed if funds were collected. Today, its been a week and funds are still not released. The check maker states that funds were drawn out of their bank the same night I made the deposit to my bank. 
I have called the telephone banking of bank of the west but they couldnt do anything about the hold. The notice I received in the mail doesnt state any date the hold will be released. This is misleading to the consumer ( me ) and in the consequence I have suffered penalties, bad reputation and stress.

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 2020-01-23 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: AL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Inquires : 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.

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 2020-01-23 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: AL

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX. Inquires : 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.

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 2020-01-23 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: MI

Complaint narrative:
XXXX XXXX -credit card was changed off in XX/XX/XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my 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 2020-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brennan & Clark, Ltd., LLC
State: VA

Complaint narrative:
We want to report Harassment by Brennan & Clark. XXXX purchased XXXX and we wee a legacy account for phone service under an old agreement. Our service had failed ( dropped calls bad connections ) and XXXX could not fix the issues blaming XXXX who blamed XXXX. We had very old outdated XXXX equipment so wanted to upgrade. No sales person would return multiple calls / emails & after not hearing from them we finally sent an email / on line chat / mailed letter saying we will be moving off XXXX & onto XXXX to resolve the phone issues. XXXX did work with XXXX to properly port our numbers. After we switched we were finally contacted by a sales rep from XXXX who apologized for all the issues & agreed to a {$2000.00} cancellation fee - which we paid - see attached copy of check which they cashed. Apparently this went to the wrong dept - XXXX & NOT XXXX XXXX which was handling our dispute & for some reason XXXX charged us an $ XXXX cancellation instead of the agreed on $ XXXX ( or even the $ XXXX per our outdated contracted with XXXX ). We never had a new agreement with XXXX. The person we've been dealing with at XXXX XXXX ( XXXX XXXX ) agreed they should not have forward this to a collections agency and advised us to tell the agency to " refer back to maker '' which we did. The agency, Brennan & Clark, & their rep XXXX XXXX, says they will continue to call until I pay them at least $ XXXX more to make this problem go away & to prevent them from filing a lawsuit. He refuses to " refer back to maker '' & will not call XXXX to verify that we actually had an agreement or to get even a copy of our XXXX contract. He basically said WE have to provide " all the evidence '' & that all they have from XXXX is an old outdated invoice ( which has the incorrect amount on it which XXXX XXXX said months ago he took care of ). B & C appears also unaware of the $ XXXX we already paid. In other words they claim it's not their job to talk to XXXX about anything. I've asked them not to call ( only write or email which they have not done ) but they insist on calling multiple times daily " until this is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23 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:
I applied for a personal loan with XXXX XXXX XXXX   today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-23 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:
I applied for a personal loan with XXXX XXXX XXXX  today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX. I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

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 2020-01-23 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:
I applied for a personal loan with XXXX XXXX XXXX today XX/XX/2020 and I was told that I did not qualify for the loan because there is an account reflecting badly on my credit report. The account is XXXX XXXX XXXX for the balance of {$25000.00}. This account is not mine ; I never opened t nor did I ever allow anyone to open this account on my behalf. I looked into this more and found out that this account possibly belongs to my father XXXX XXXX XXXX. This has happened in the past since we share the same name. I did not allow anyone to open an account in my name nor have I ever had any written/verbal contract with XXXX XXXX XXXX I never made any payments towards this account nor did I benefit anything such as money, goods or services from this account. I have already filed a police report regarding this incorrect information reporting on my credit.

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 2020-01-23 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: NJ

Complaint narrative:
credit card reject from XXXX XXXX. ( XXXX ). Allegedly based on a report drone Experian. Called Experian and did not get any satisfaction. They claim there is a {$12.00} balance on a XXXX account. I don't have a XXXX 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 non-monetary relief