vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-19 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: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.

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 2022-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.

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 2022-03-19 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: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have never apply for this account and it shows up as a hard inquirie I want this remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo account was hacked on XX/XX/2022 and two fraudulent wire transfers removed {$22000.00} dollars from two seperate accounts. 
1. {$13000.00} from a XXXXXXXX XXXX  account ending in XXXX XXXX. {$9000.00} from a XXXX XXXX XXXX account ending in XXXX Both accounts have since been closed. I filed a fraud claim with the Wells Fargo Fraud Department on the XXXX of XXXX concerning this matter. Today I received Two resolution of fraud letters stating that on XX/XX/XXXX I authorized a wire transfer for {$13000.00} and {$9000.00} for the benefit of XXXX XXXX. As the money will not be returned from the receiving bank, we are not able to reimburse you. 
At this time we consider your inquiry closed. 
I at no time ever approved a wire transfer from either account on the XX/XX/2022 or any other date.

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 2022-03-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am attempting to file a dispute with Equifax, however the Equifax online portal will not accept supporting document uploads and messages that their service is down. I attempted to call Equifax during the published business hours on the Equifax website. The answering message confirms the operating hours that are published the Equifax website but says the office is closed and to call back during the days/hours in which I am currently calling. The instructions then suggest to mail the following to Equifax to initiate a dispute : SSN, picture of drivers license, all addresses with in the last five years, along with the request. I would never send all of this information in regular mail, however this seems to be the only way to initiate a dispute with Equifax at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I received a grant from my XXXX for XXXX $ from XXXX. And I informed my bank that I was expecting these funds to come available and that I needed them to be available to me due to a housing emergency and other coinciding events that have progressed. They used the funds before I could even get an alert that they had been used to pay back a provisional credit which had been reversed within minutes after receiving the already delayed payment for Temporary Assistance for Families in Need from the American Rescue Plan grant I received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied for a Chase credit card after receiving a message in the mobile app that I ha

d already been approved. However, after submitting my details, I was not approved, and have been led to believe my application is still conditional on some variable, which is directly contradictory to the notion of pre-approval. We have received your request for a Chase credit card. We'll let you know our decision by U.S. mail. This could take up
to 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
I was on online searching for a puppy, when I came upon XXXX XXXX XXXX i sent them {$800.00} through XXXX  through money transfer for a puppy. i never received a puppy. he was supposed to ship the puppy the next day. the next day i received an email from a fake shipping company telling me i needed to purchase an electronic crate for {$1200.00} or they would not be able to ship the puppy and I will get it refunded back once the puppy arrives. there contract said all shipping would be handled by them so i forwarded the email to them. he claimed he knew nothing about this and pleaded with me to pay the cost of the crate which i refused. So he said will pay {$600.00} and if I could do the {$900.00} I did and next the shipping people said XXXX would not allow them to fly out without a permit. I declined and said this was a scam and I wanted my money back and he said he was lost money also and that if I could pay for the permit which was {$1800.00} that I would not have to pay for anything else. I immediately contacted my bank and filed a dispute. They told me that my claim was denied due to I authorize the charge and there was nothing for them to do. I am still trying to fight this and get my money back. So far no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: NC

Complaint narrative:
Dispute department at money lion I filed XX/XX/2021 XXXX $ unauthorized charge I provided invoice showing paid in cash. The Merchant has never replied. by law merchant has 20days to respond money lion and XXXX has 45 day policy it has been over 100 days without a response you would think my bank would have customer care s priority I assure you they do not I've never experienced the withhold time frame an almost skimming like actions taking your funds an the inability to correct their systems error

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I received a letter from Freedom Mortgage around XX/XX/XXXX. The first letter was a letter for non payment of XX/XX/XXXX payment. Also a letter for returned mail from my proper mailing address. 

I contacted Freedom Mortgage On XXXX and they told me that I did not make my XXXX payment and told me to call back Monday. 
I called Monday XXXX and the representative told me they were not responsible for fixing the problem as the loan servicing had been sold. 

I contacted my original mortgage processor who got me in contact with XXXX old supervisor. 
He told me that they probably would not fix the problem.

I have paid all of my payments on time. The online payment application was always glitching for approximately the first six months of payments. I paid a total of {$3000.00} for XXXX which included the main monthly payment. Somehow the total was applied only to the principal with nothing applied to the main payment. 

I want this corrected to show the payment that I made, the interest paid recalculated, and I would like the {$1900.00} in late fees refunded to me. I have the payment history and will attach it. 

Thank You, 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 2022-03-20 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 — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE
State: IA

Complaint narrative:
This began in XX/XX/XXXX regarding Huntington Natl. Bank in PA. I contacted the bank over a dozen times as it dropped my credit rating over 100 points without explanation. They failed to respond, and I finally filed a complaint with the Iowa Consumer Protection Division in XXXX XXXX, IA, on XX/XX/XXXX. In turn, this agency told me to send all information to the PA Dept. of Banking and Securities in XXXX, PA. Customer Assistant XXXX XXXX sent an email on XXXX XXXX, XXXX, telling me to send the problem to the Office of the Comptroller of the Currency in XXXX, TX, which I did on XXXX XXXX, XXXX. This agency advised me that my complaint was no longer under their jurisdiction and had been sent to XXXX, IA. I wrote to the XXXX Financial Protection Bureau on XX/XX/XXXX, again on XX/XX/XXXX. In return, I received a form letter on XX/XX/XXXX, instructing me to file a complaint. Fed up, on XX/XX/XXXX, I sent every scrap of documentation and research I had on file to XXXX XXXX XXXX ; XXXX, IA XXXX. I received a form letter dated XX/XX/XXXX, identical to the one on XX/XX/XXXX, and yet another on XX/XX/XXXX. XXXX I expect this type of incompetent service to continue? Or have you gone covert and closed any potential investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-20 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 am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I have two collection accounts listed w this collection agency. I have been asking for proof of debt, no response. I sent a dispute through CFPB- their response was they couldnt locate my account. I gave the last 4 of my social because that is all the information that I have. I have asked several times to have this removed. Since I havent been given the proper paperwork to prove this is my account. New legislation takes affect that medical under {$500.00} will be removed. Please remove this- I am prepared to seek an attorney to sue you guys for several violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased an XXXX XXXX XXXX from XXXX that was supposed to have been delivered with signature only. I never received the merchandise nor did I or anyone in my household sign for package delivery The merchandise was stolen and I filed a dispute with my Chase Freedom credit card. XXXX rebilled the dispute and my credit card is not resolving the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: PA

Complaint narrative:
I just reviewed a copy of my Experian credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2022-03-20 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 XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-03-20 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: AL

Complaint narrative:
I am XXXX XXXX, I have recently reviewed my credit report and noticed several unauthorized and inaccurate inquiries reported to my profile. Pursuant to 15 USC 1681b, when the consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am demanding these inaccurate inquiries be investigated and removed immediately. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 received a letter from bank that they were closing my business account at Chase bank. 
this has been an issue with the bank, no communication and all of the sudden my bank account is/will be closed. with many vendors and clients already with this account is difficult. I am sure. this complaint will not make any difference, but just want to put it in writing since, I feel discriminated and mistreated because of my color and race. 

No description of why they decided to closed accounts. 
just a brief note saying there was unexpected activity on the account. 

They pick and choose on how they want to serve, but they received funds from federal reserved. I am asking for help on this matter. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their call if you have questions number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
n accordance with the Fair Credit Reporting act incorrect information reported to my consumer reports violates my rights ; 15 U.S.C 1681 section 2 ( B ) States a person shall not furnish information relating to a consumer if the person has been notified by the consumer that specific information is inaccurate.

Company response to consumer: Closed with explanation