vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-26 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: MN

Complaint narrative:
The following credit inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/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 2021-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I call the BBVA fraud department to inquire about my debit card not working. After verifying my Identity, I was told my accounts are frozen. 
This action is based on a report received on XXXX XX/XX/2021. They were coping my accounts. When inquired what report was and sent to them by who, they were unable to provide this information. I call CFPD and they said I have 15 days to reply to this matter. 
But no one can tell me anything about the report and or what negative items it contains. 
I have a large sum of XXXX in Savings and about XXXX in checking. I was told by the fraud that they were closing my accounts. I work with The XXXX XXXX and, I have filed a police report concerning ID theft of my identity. That report is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Colony Brands, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: NCB Management Services Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently asked a mortgage company ( regions mortgage loan XXXX ) for help because my income has been greatly reduced because of illness my wife ( XXXX XXXX ) I sent six documents, including Hardship Letter, paysub, House debt, Mortgage Assistant Application, Dr.certified Illes , Medical Bill, XXXX, ( XX/XX/XXXX ). 
But today they answerd as below Current. Modification Term. 360m. 480m Payment. {$2300.00}. {$1900.00}??? 
What is this?. 
reduce {$360.00} but 10years more pay!!! 
Is this customer assistance? 
What are they assistant? 
I do not understand Ps : I do not delinquent my mortgage but they said my mortgage is seriously delinquent? 
And threat me to foreclosure my house!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY - XXXX XXXX  Account Ending in XXXX was paid in full through negotiations with a Federal Debt Relief Program, the amount of {$3000.00} is being erroneously reported on my credit report which is keeping me from purchasing a home. The amount should be zero. I am attaching a letter in good standing with the Federal Debt Relief Program. This account is paid in full. Balance was subject to a 1099.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am repeatedly receiving phone calls of harassment, profane and abuse language and threats of prison, jail, violence and death from LVNV Funding for a debt of {$220.00} from creditor XXXX XXXX XXXX XXXX XXXX XXXX. The account and debt was fraudulent and is the result of identity theft. The account is not my account. Its a fraudulent account. LVNV Funding is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
experian credit agency called to get unauthorized inquiries removed and wouldnt remove them inquiries not authorized are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/ XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Around XX/XX/2020, we contracted a man to change our sliding back door. We made two payments for XXXX each a total of {$1600.00}. the first payment was made via check XXXX on XX/XX/2020, and the second and final check # XXXX was made on XX/XX/XXXX XXXX. 

At some point the man deposited the checks to his account with XXXX XXXX. I was debited on {$800.00}, then {$8000.00}. A total of {$8800.00} We discovered the huge discrepancy and called bank of America on XXXX, asking them to acknowledge and credit back {$7200.00} into my account. Received a letter from BOA saying that the amount of {$7200.00} was reversed into my account. Subsequently BOA debited the {$7200.00} from my account and they refuse to credit that amount back. It was a big bank error. I have called BOA many times and they first say that they should of caught this, then when they transfer me to another department they tell me they can not do anything to reach the man directly to get my money. The man does not answer my calls. 

On XXXX, we had an attorney send XXXX and BOA a letter, explaining the situation and to contact me directly to resolve this matter. As of today, I have not heard from either banks to help me with this. I am retired, my husband works very hard to provide and we don't have much left in our savings. We are asking to please look into this Thank you, XXXX /Spanish preferred

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: CA

Complaint narrative:
I received my credit report from Equifax yesterday credit file dated XX/XX/XXXX confirmation # XXXX a three party consumer reporting entity : XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, GA XXXX is reporting incorrect information on my credit file : Bankruptcy filed XX/XX/XXXX and XX/XX/XXXX needs to be deleted from my credit report immediately. 

This is interring with my able to secure safe and affordability housing. Although this is the second request, it still appears to be on my credit report. 

Enclosed is a copy of a page from the incorrect credit report, letter from the XXXX Bankruptcy Court, and a letter I wrote to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
MACY 'S / DSNB is stating on my credit report that I owe them {$3000.00}. This debit is part of a Federal Debt Relief Program and my account is in good standing. I am enclosing the statement on my Credit Report and a Letter in Good Standing. The total amount due is under {$300.00} and the derogatory statement should come off my credit report and the balance should reflect the actual amount due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was renting a property and one of the applicants sent me a {$500.00} deposit through XXXX to my Bank of America checking account on XX/XX/2021. However he changed his mind and I agreed to return his {$500.00} and sent {$500.00} back to him on XX/XX/XXXX after seeing the fund was securely settled in my bank. However on XX/XX/XXXX the original {$500.00} from the XX/XX/XXXX transaction was taken away from my bank account without any authorization or notification. I called BoA customer service and they admitted there was a XXXX transfer error on that period of time for fund coming from XXXX XXXX but they refused to take the responsibility but asked me to get the money back from the sender by myself. All they did was filing a fraud claim but later it was denied by themselves. They pushed the responsibility to the sender and they only " helped '' to contact the other party as a " COURTESY ''. I was able to reach to the sender but the guy said he didn't see the fund reversing back and stopped responding to me. GREAT! Where is my {$500.00} that disappeared from my bank? Now BoA denied the claim and all they did was blame to their business partner XXXX and blame to the sender. The corporation who admitted their system error refused to take the responsibility. Taking money away from their customer without agreement is clearly a contract breach.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY for XXXX XXXX Acct ending in XXXX is reporting false debt due on my credit report. The account is in good standing - it is part of a Federal Debt Relief Program where the balance was negotiated, and is almost paid off. They need to reclassify and not consider this account a major delinquency when monthly payments are being made on time. I am attaching a letter in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Auto is reporting lates on XX/XX/XXXX, XX/XX/XXXX. Due to XXXX, I have been going through some hardships, the majority financial. I have always been a punctual person and diligent about paying my due debt. However, in XXXX, I was really struggling. I tried to set up skip a payment with Chase and spoke to someone about it to see if we could skip a couple of payment. I was told that was not going to be an issue, however, recently checking my credit I noticed maybe the rep never set that up. This has seriously affected my credit, and this was not my error. I ask that Chase auto please remove the late notations from my credit file as a good will and for the mistake made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DEPTEDNELNET XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPTEDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Comenity Bank XXXX XXXX is reporting lates for the months of XX/XX/20, XX/XX/20. Due to Covid, I have suffered some hardships, the majority being financial troubles. I am a very punctual and diligent person about paying my dues and debts. I however, am asking at this time for these late notations to be removed. I have been a very good customer and plan to be a great customer. Unfortunately, during that time, I went through some things. I ask that Comenity Bank takes some leniency on me and remove the lates from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase continue to charge annual fee for multiple years while the credit card was not longer used and inactive for multiple years. I requested the refund of the annual fee for the last two years and was denied. Typically credit card was suspended automatically due to inactivity. But Chase kept the credit card active on my account for the sole purpose of charging annual fee while my other inactive card were cancelled automatically. This is a predatory business practice solely for the financial gains of Chase. I wonder how many consumers were defrauded by chase with similar criminal practices. 

I need full refund of annual fees for the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Paid balance in full to synchrony bank/care credit XX/XX/21 called the bank and they told me it would clear credit bureaus XX/XX/21 hadnt happened just talked to representative XX/XX/21 and was told it would come off credit report XX/XX/21. My name is XXXX XXXX and balance that was paid was {$130.00}. My email is 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