vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
About 2 years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the XXXX  app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Chime closed my account with {$3600.00} in it without reaching out to me first. I called them and they told me that I need to send an email because they have limited access to it information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
I've had a Cash app account for at least XXXX years now. My daughter who is XXXX, opened a minor account sponsored be me earlier this year. She wanted the account to be able to easily receive funds from family and friends. She has a pre-paid card to use funds in her account, I do not have a card for my account. On Friday XX/XX/XXXX my daughter temporarily logged out of her XXXX ID account on her phone, where the Cash app application is stored, and simultaneously began to see transactions declined when she was out shopping. She also noticed she no longer had access to the funds added to the account that were given to her by her father for XXXX. She contacted Cash app support on XX/XX/XXXX via chat and was instructed to have her sponsor, me, contact support to rectify the situation. Neither of us ever received notifications via email, phone, or app notication alerting us of ANY issue. I reached on XX/XX/XXXX via chat and was told they needed to verify my address and they provided a link to upload the acceptable documentation. This was confusing to me, as my account didn't contain my address because it wasn't a requirement when I opened the account, only my bank account information and email. I was never told what the problem was that caused the account to be frozen. After chatting with them again and still never receiving an explanation, I uploaded the document in an effort to just resolve the matter and have her regain access to her funds. I was told the matter was escalated to a Specialty team that would reach out to me via email. Later that day I still hadn't been contacted so I called, told the representative I uploaded my water bill as proof of address, and was told the " Specialty team '' would contact me with the next steps. It is now Wednesday, XX/XX/XXXX and I still have not been contacted, have no more information, including when this will be resolved, and my daughter does not have access to her money. I contacted them via chat today and keep getting the same response about the " Specialty team '' contacting me and nothing more. They won't even provide a number or email to said team for any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
New York & Company? Runwayreward credit card is failing to report my account status on a monthly basis to the credit agencies. This failure is affecting my credit rating. Please update this information on a monthly bases. 

Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received an email that said my application for Target RedCard has been approved, but I have not applied for this card, and I called Target Card Services and they told me it's a fraudulent results, somebody opened the account with social security number and driver 's license number, and told me to report this case at ftc.gov, that's why I got here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet utilizing their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I noticed my credit has been going down and I called XXXX and other credit reports companies to see what is going on and noticed its because of all this items on my credit report XXXX XXXX is Ccs collection from originator the general company with a reporting date of XX/XX/2022

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2022-12-28 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: RI

Complaint narrative:
On XX/XX/XXXX, I received an alert from a credit monitoring company that a new Equifax inquiry was present. Upon reviewing the information, it stated that XXXX XXXX XXXX placed a new inquiry. I disputed this with Equifax, who denied the dispute. I then, on XX/XX/XXXX, called XXXX Card Services ( I do have an open credit card account with them since XXXX, but did not request a second one ) to ask about the inquiry. After talking to both member services and security services there, they do not have any record of such an inquiry connected with any of my personal information. Given this, I again filed a dispute with Equifax, which has again been denied, as the inquiry is deemed " factual. '' No supporting documentation is available from the company to support the factual claim, and as there is no record from XXXX to show this inquiry was not made, there is no way to remove it from my credit report via Equifax. In the interim, I have had to freeze my credit and place a fraud alert given the possibility of such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
My issues revolves around proper payment processing with Citizens Bank out of XXXX In XX/XX/2022 I made 2 in full monthly payments, then another in early XXXX My goal was to stay one month ahead on my payments. Citizens took my second XXXX payment and applied it was " principle only '' payment. Yet, they did not apply 100 % of that payment to principle, thus taking out interest. I called in XXXX and questioned it and was told that due to their payment processing system, they can not accept full payments in advance. They offered to reply my second XXXX payment for XXXX and then took my XXXX payment as " principle only '' and took off Interest while applying. Then they applied my XXXX to XXXX, which should have been XXXX XXXX payment. And then on XXXX, i get an invoice due in XXXX XXXX?? I am literally fighting with them for prepaying a full payment amount. How does a Bank get away with taking interest out of a " principle only '' payment? If they they applied 100 % to principle, I get it, but when they take interest out, it is the definition of a monthly payment. And how can a Bank not accept full payments to pay the account ahead, especially in such uncertain economic times as today? Again, all i am trying to do is responsibly pay my account ahead. All full payments are accounted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I went to the branch location in King of XXXX, PA, to discuss why my bank statement was showing an interest rate of XXXX XXXX APY, while their current commercials advertised a rate of XXXX XXXX APY. The branch location representative called customer service to resolve the issue, and I was informed that I had a " XXXX Savings '' account, the only savings account offered back in XXXX when I initially opened my account. Now Capital One only offers " 360 XXXX Savings '' accounts to clients, which pays the XXXX XXXX APY. At no point was I ever informed of the existence of this new account and its superior interest, nor was I automatically rolled into the " 360 XXXX XXXX '' account. I have consistently maintained a balance of about $ XXXX, and, as such have missed out on thousands of dollars in interest. Their only solution is to now convert my savings account over to the " 360 XXXX XXXX '' account, where I can earn the interest going forward. Capital One has yet to give me a valid explanation for my concerns and refuses to resolve the interest discrepancy. As a client of that Capital One, I shouldn't have to shop around Capital One to ensure I'm receiving what is advertised. This is highly unethical of the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To Whom It May Concern, These Companies is Reporting Inaccurate information on my Consumer report.I asked these companies to provide me with validation of these alleged Accounts and they sent me copies of installment contracts. My right to privacy has been violated.

Pursuant to 15 U.S Code 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.

Pursuant to 15 U.S Code 1681 604 2 : It States a Consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I filled out a form for info about Cross Country Mortgage. I received a call advising of services offered. I decided not to move forward with their products and requested to be placed on their " do not call list ''. The company calls every day from a different number. Each time I answer the call and ask not to be called any more. I also block the number. They keep calling daily from a different number, in violation of my my multiple requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
During the nationally mandated shelter at home policy that then continued in my State of IL I was reported late by my credit card companies. I tried to be proactive and ask for help early on in 2020. However, these companies did not have assistance programs in place yet so they reported me late over and over month after month during the start of the pandemic. I have tried to dispute prior to now based on the HEROES ACT, my perfect pay history before the pandemic and my current pay history status, my proof of having the Coronavirus and proof that my state of IL is still under a state of Emergency per our Governor XXXX  who has made his own calls. 
I should not be penalized because the companies did not have programs in place yet, the pandemic shutting the world down, caring for family who were affected by Coronavirus, caring for myself when I contracted XXXX  and being in the Hospitality and Entertainment industries which were some of the hardest hit. It was no ones fault why should anyone be punished?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
Paid this off in XXXX of 2021 after the representative confirmed it would be deleted from my account. Months later it was still there. Ive disputed the account multiple times and contacted the collection agency. I begged them to listen to the recording of the original call, they laughed at me and hung up in my face. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NM

Complaint narrative:
I submitted my application for the public service loan forgiveness waiver to MOHELA well ahead of the XX/XX/XXXX deadline. The company has not responded to my inquiries about whether my paperwork was received or if my loan forgiveness is in progress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation