vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 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: TX

Complaint narrative:
FCRA violations : inquires not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, Attorney General 's office, is investigating! 
XXXX XXXX and Capital One, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! XXXX XXXX XXXX, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local XXXX, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is investigating! 
XXXX XXXX and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! Old National Bank, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

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 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2022, I requested a transfer of {$100.00} be made to my brother by his phone number in Chime 's pay or request to or from a friend option in their app. The app asks for either their email, phone number or XXXX ChimeXXXX  be entered. I entered my brother 's phone number and the amount and submitted the request. After the request was processed, a different name appeared. I contacted Chime right away to let them know that my request to send money to my brother 's phone number was sent to a stranger. Chime 's customer service representative researched the issue and confirmed that my brother 's phone number was associated with multiple different people and instructed I complete a dispute and to also send a request of the {$100.00} back from the stranger. I completed a dispute and was denied reimbursement of my {$100.00}. I also sent several requests to the stranger to send my money back as it was sent in error by Chime and the stranger has not responded to my requests. I called Chime 's dispute center and discussed my issue, explained to them that I had used my brother 's phone number but Chime had sent my funds to someone else. The representative explained how to appeal the dispute decision and asked me for proof that the phone number belonged to my brother. I appealed it and sent in my brother 's phone bill showing his phone number and name but Chime denied the dispute again. 

If Chime can not send funds to the correct person by phone number then Chime should not be allowed to have that option as a service to their consumers. Whatever information Chime has linked to phone numbers seems to be outdated and will cause consumers such as myself to lose money. I clearly followed the prompts in the app which indicated that I could enter an email, phone number or XXXX ChimeXXXX to send funds to and the phone number I entered was indeed my brother 's number. Chime sent my money to a stranger. I have proof that the phone number belongs to my brother but Chime refuses to reimburse me. 

When my brother 's phone number was entered, no name appeared so I confirmed three times that it was my brother 's phone number before I submitted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I logged into my Capital One account to check when my promotional period was over for a promotion I had signed up for sometime in XX/XX/XXXX. No where in my account statement or in my online portal did I see a date for when the promotional period expired and therefore would start to charge interest on my account. Capital One previously advertised a promotional period of 15 months, so I went off of only that, which was only mentioned to me before I opened the account. I did not receive notice of when the promotion would end or given a specific date on any of my statements. Therefore, since I more or less knew the promotion would expire at the end of XXXX, I went ahead and scheduled a balance transfer to transfer my balance to another credit card and avoid interest. I have over 5 credit cards where I have participated in these promotions ( e.g., XXXX, XXXX XXXX, XXXX XXXX ) and each card has provided me this information on my account statements. Now, XX/XX/XXXX, I notice an interest charge on my account and call Capital One to see if they can waive it, given the fact that I've made all my payments on time since I opened the card, and multiple banks also give a one-time waiver for such miscommunication errors. Capital One did not offer any help and although they knew the date my promotion expired, they could not point me to a place on the account statement that showed when the promotional period expired. In comparing to all the bank accounts I've had for over 10 years and related credit cards, I have never seen a statement so misleading and deceptive. If this is happening to someone like me, who is a licensed attorney, I can not imagine how much money Capital One makes doing this to other loyal customers. Therefore, although the charge I am complaining about is only about {$25.00}, this is about much more than that : deceiving loyal customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14 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 am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE Please help me block and delete these inquiries and accounts immediately!

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 2022-12-14 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: KY

Complaint narrative:
My credit card was lost/ stolen and i have already contacted the bank about this issue and i only got a call i was told it would take 3-5 business days to get my money back but its more than that now and i haven't gotten anything yet from any them. I'm i supposed to pay for what i did not use because i do not understand. I have already changed my card and all but nothing is getting done about me getting my money back. Its about {$40000.00} and i haven't gotten a good feedback from them yet. It's really frustrating. I have been a customer with them since 2014 and this is so strange. I need assistance urgently. I'm not going to pay for what i did not use. I want to get my credits back and all this thing sorted out as soon as possible

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC.
State: MI

Complaint narrative:
Axos Bank is not allowing customers with certain XXXX last names to file an online application for mortgage. See the attached screenshot that says " Last Name contains an invalid person name '' when last names such as XXXX, XXXX, XXXX are entered. A large group of consumers in the Unites States are affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: VA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT BELONG TO ME and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/2022 I noticed fraudulent accounts on my credit report, I filled a FTC report along with a CFPB compliant regarding the fraudulent accounts .The particular account that I am filing a complaint on today is Transworld systems. The fraudulent account appeared on my XXXX account before XX/XX/2022. The account has been removed from my XXXX account .On XX/XX/2022 the account is now appearing on my XXXX account .Because of this fraudulent degatory account my rights as a consumer has been violated .15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.Transworld systems has been notified of this fraudulent account and continue to violate my rights by reporting false and misleading information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Tuesday, XX/XX/2022 I went into the local branch to initiate a domestic wire in the amount of {$71000.00}. On XX/XX/XXXX the local branch XXXX, XXXX XXXX, called requesting more info regarding the recipient. I provided her the info requested over the phone. It is now XX/XX/XXXX and their XXXX dept still has not released the funds, nor have they requested more information. Wells Fargo is intentionally holding onto people 's money and using their XXXX employees as a valid reason to defraud consumers. These unjustifiable delays are well known in the industry ( I spoke to XXXX former XXXX employees that said this is a known issue for XXXX and the rest of the industry is well aware of their bad practices ). Wells Fargo is causing harm to consumers by delaying valid and credible transactions where no fraud or evidence of nefarious activities exist. These payments are often used to pay off loans and in the process are causing unnecessary and inexcusable late fees, additional daily interest fees, etc. that affect the individual consumer. I received a call today from XXXX XXXX ( XXXX XXXX XXXX over the branch that initiated my wire ) stating that he has tried to reach his XXXX XXXX for what possible explanation they have in holding up the wire and they have failed to respond even after internal escalation. He admitted to me over the phone that this is a known issue within Wells Fargo Bank that is knowingly causing significant financial harm to consumers.

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 2022-12-14 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: CO

Complaint narrative:
I am submitting this info to CFPB because XXXXXXXX XXXX  and Experian have not updated my XXXX account on my Experian Credit report. I received an upgrade for my XXXX XXXX XXXX XXXX XXXX I noticed after I received my new XXXX XXXX XXXX that my Experian credit report was showing I had two open XXXXXXXX XXXX XXXX I only have one XXXX XXXXt. I have spoke with XXXX Bank and Experian since XXXX and this dispute has not been resolved. 
I have submitted 3 online disputes to Experian in XX/XX/XXXX. Each resolution comes back completed, but the original XXXX account has not been closed. I spoke with XXXX with Experian today XX/XX/XXXX, he stated that he would contact XXXXXXXX XXXX to get this resolved. I received a text message from XXXX at Experian asking me to do the same thing that I have already done, submit an online dispute. 
I have spoke with XXXX Bank many times since XXXX and sent them a copy of my Experian Credit report showing the 2 XXXXXXXX XXXX I spoke with XXXX at XXXX Bank today, XX/XX/XXXX, she cant find the fax or credit report that I mailed XX/XX/XXXX. She said she would submit paperwork for an investigation. I have been transferred, put on hold and at times left on hold. I want this issue resolved. 
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 2022-12-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXXXXXX XXXX Not my account, no response from the bank. 

XX/XX/2022 - XXXX XXXX XXXX0} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX  Remove, this isn't accurate. I never filed bankruptcy

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 2022-12-14 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: FL

Complaint narrative:
I'm having a problem with my loan servicer Mr Cooper 's mortgage company formerly known as nationstar mortgage. They have been reporting inaccurate information on my credit report which I have contacted them about and disputed, but they refuse to correct the information reported. 
For example they're showing my account as being 30 days late when I have not missed a payment, they're also showing my account as being currently in loan modification status when it's not. I would greatly appreciate your help to mediate the solution with my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: NC

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, these accounts entered have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation