vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX of XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX / XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX the XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX data on XX/XX/XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX CXXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX Card on XX/XX/XXXX XXXX XXXX on 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 2022-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the information with Equifax over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. Equifax fail to do the same. I am attaching my XXXX report. Please have Equifax to update the records to reflect the accurate information that XXXX has within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have called PNC XXXX times to close my account. I was told I was unable to do so all times unless I had a XXXX balance. Today I received an overdraft fee from account service charges. I just want this account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.

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 2022-02-27 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: PA

Complaint narrative:
I am a victim of identity theft : 1. XXXX XXXX 2. XXXX  XXXX 3. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Reached out to the general sales manager at motorwerks informing whom it may concern that I am disappointed to learn that as a consumer Ive been violated in many ways. Any consumer credit transaction that involves a finance charge, we as consumers, have the right to rescind.15 USC 1635 states to clearly and conspicuously disclose that a consumer has the right to rescind. My contract does not state right to rescind it in fact states no cooling off period and I was not disclosed this information during this transaction which is a violation of my consumer rights. Fact, the Truth in Lending Act ( TILA ) is a federal law that is apart of the Consumer Credit Protection Act. Pursuant to 15 USC 1605 the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. A down payment is in fact another violation. XXXX XXXX collected {$8000.00} in cash as a down payment. The whole contract and arbitration agreement is fraud because for one my insurance was not included in the finance charge and two you cant finance and do a cash transaction at the same time its either one or the other. There are no statue of limitations on fraud so I am hereby rescinding this transaction. I would love to give this company the chance to right this wrong before further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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 — Problem with personal statement of dispute
Company: Caliber Home Loans, Inc.
State: OK

Complaint narrative:
I sold my home in XXXX 2018. My loan was with Caliber Home Loans. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc.
State: VA

Complaint narrative:
I am a federally protected consumer and a natural living person. I am aware that this company by the name of Collecto/Eos Cca , is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Collecto/Eos Cca should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TN

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 explanation
Consumer complaint received 2022-02-27 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I sold my home in XXXX 2018. My loan was with XXXX XXXX XXXX. I was told at the end of XXXX, during the closing process, that the closing would satisfy the remaining payments of the loan. I now show 2 late payments over 30 days for XXXX and XXXX of 2018.

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 2022-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Netspend Corporation
State: CA

Complaint narrative:
Been usin netspend since I don't have a bank account. I just got laid off but I was happy to kno that I still had {$22.00} left that I can use for gas to help look for another job. Will I pulled up to a gas station just to find out Netspend closed my account. I still have the app state I'm still a customer and my remaining balance. I call them to try and resolve it, they ask me for my social security number or card to continue on, but it said it's invalid.

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 2022-02-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
I am a victim of identity theft. I have requested that the unauthorized inquiries that were obtained without my consent or knowledge of the use of my personal information be removed. The creditors nor the credit bureaus have proven, or shown me proof in any way that theses items were done by me.

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 2022-02-27 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: TN

Complaint narrative:
RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax, XXXX, and XXXX and I noticed an unauthorized credit inquiries had been made. 

I contacted Equifax, XXXX, and XXXX, who conducted the inquiry and asked them to remove their credit inquiries from my credit report. 

I request that you investigate the inquiries listed on my credit report to determine who authorized the inquiries. If you find my allegation to be true once your investigation is complete, please remove the inquiries and send me an updated copy of my credit report. 

If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Unauthorized on XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX US SM BUS ADMIN ODA - XX/XX/XXXX XXXX - XX/XX/XXXX Unauthorized on XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX Unauthorized on Equifax XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX # XXXX - XX/XX/XXXX Thank you for your assistance in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 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: TN

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed 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 2022-02-27 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: TN

Complaint narrative:
I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I bought a XXXX in XXXX. Just 5 months later XX/XX/2014 a drunk driver caused a bad accident and had no ins. My insurance XXXX XXXX totalled my car and paid the car off. They have me in debt still for {$970.00}. The total amount of car was {$17000.00}. Also the debt is well over the statue of limitations. I have write 3 letters to them stating all the above and that according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof of ( an original consumer contract with my signature on it ) you have on file. Under the FRCA, unverified accounts must be removed. 

They have ignored my request and just keep sending back the results are accurate. Please 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 non-monetary relief
Consumer complaint received 2022-02-27 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: FL

Complaint narrative:
I have disputed the information with XXXX over 30 days ago. I also disputed with XXXX and the information was not able to be verified and was removed and update. XXXX fail to do the same. I am attaching my XXXX report. Please have XXXX to update the records to reflect the accurate information that XXXX has within 30 days.

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 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
We purchased our home on XX/XX/2020. Caliber home loans INC financed our purchase with a conventional loan. We refinanced about a year later with them again, that refinance has the original purchase square footage correct. 
After the market values increased tremendously in maryland area we decided to refinance again as we did work to our home, and market value increase to remove the mortgage insurance. We made contact with them ( same rep ), on XX/XX/XXXX, and initiated the process. Spoke to XXXX XXXX First thing is, he never mentioned we didnt need to refinance, just have an appraisal and ask for mortgage insurance to be removed ( we were not aware of this at first ). 
It only went worst from there. 
The first appraiser they sent profiled our XXXX  household, and undervalued the property grossly, but had correct square footage. We contested that appraisal, bringing to their attention as to what happened. They sent a second appraiser, and this time, they didnt take away from the market value, but reduced the square footage of our home from the listed square footage that was on sales papers by previous owner, on settlement papers, and the appraiser sent by the caliber home loans INC in order to go to settlement. We then brought it to their attention that the square footage is not correct on last appraisal, and they confirmed by email, that thats the square footage they will now consider. Completely disregarding that we, according to them now, have been paying for fraudulent amount of space according to the settlement papers and their numbers now, or they are finding a different way to have us still continue paying the mortgage insurance by reducing the square footage, and thus the value. They acknowledge the house has been updated, we presented a list of updates in aproximate amount of XXXX. 
By reducing the square footage we are missing the equity by slightly over 3 % less then required to remove the insurance. The 515 square feet would have more then made up for the 3 %. 
This can not be a standard practice!! 
This is blatant fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is VERY CLEAR that Capital One Bank has violated my consumer rights, I, XXXX XXXX. 

Dated on XX/XX/XXXX at XXXX XXXX Est, I was on the Credit Reporting Agencys XXXX website and just going through all the negative items on my consumer reports due to all the stress and anxiety these negative items has caused me by all these CROOKS has put upon me and seeking all my consumer rights to resolve the issues. 

However, Capital One is in BOLD VIOLATIONS in various areas.

Here is just one, so, CFPB please pay attention to me, an consumer..

Federal law states below 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on a
n account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

So CFPB is this very clear to you?

Capital One have violated 15 U.S. Code 1666d - Treatment of credit balances.

Capital One is currently reporting to Credit Reporting Agencys remaining credit balance {$5700.00} Capital One has been reporting an balance since XX/XX/XXXX and has failed to refund me my funds. 

Today is XX/XX/XXXX. 

Now Capital One Bank have my account as Charged Off which will require a 1099c form, and Capital One has never provided me this misleading information 15 U.S. Code 1692e - False or misleading representations. Capital One is harassing me on a daily basis em
ailing me stating I owe them, how? When I am the original creditor.

What happened to The Truth In Lending Act?

15 U.S. Code 1681 Capital One Bank is in violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
My bank sends my payments in on the first and the loan servicing company doesn't apply them to my account until after the due date to charge a late fee. The bank mails my payment on the first and the loan servicing company applies it on the XXXX. THERE IS SOMETHING VERY WRONG WITH THIS! 17 DAYS TO GET TO THEM AND APPLY PAYMENT. They try saying that it is the post office. If this is true then how does the late payment reminder letter get to me in three days but 20 gays for payment to them. I sent a letter of thank you to a random business and they had it in 4 days. I called the post office they are not as far behind as the loan servicer is saying. What made me question this they have been servicing since XX/XX/21 and the last two months has been an issue. Yet the post office has gotten even better on deliveries. BSI Financial is fraudulently holding payment and applying them after the due date to collect late fees. None the less even if the post office was behind or their company was short staffed, that is not the consumers fault much less the consumers problem. This is fraud at the worst way and something needs to be done. I will be exposing this publicly and let the public handle this in the best way they see fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
IDENTITY STOLEN FOR LAST TEN YEARS CONSTANTLY. I LOST MY MONEY AND MY JOB. DISCRIMINATION AGAINST XXXX  AND XXXX IN THE USA

Company response to consumer: Closed with explanation