vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
My credit report sent me a notification that someone had opened up XXXX XXXX credit card in my name in XXXX of 2022 I found this out in XXXX or XXXX when it showed up on my credit I called the company they sent me paperwork to fill out to dispute it I went online and filled that paperwork also they told me to give them a month I'll follow back with them they said it was resolved at the end of XXXX it was not resolved now it's showing delinquency on my account it dropped my XXXX XXXX from XXXX something all the way down to XXXX and I'm in the middle of trying to purchase a house I called back and no one seem like they can help me get this resolved after they told me it's been resolved and that they will also send me a letter stating that it's been resolved. I'm.not the only one affected by this. I have XXXX kids and their dad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: GA

Complaint narrative:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company TransUnion have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to TransUnion numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
We paid off our credit card account for {$10000.00} and I called the company to get the last interest charge removed because we had a credit balance refund and then the statement cycled and charged interest. I talked to 2 managers who refused to help me and I have never asked for help in removing interest. I think we have paid enough interest charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NV

Complaint narrative:
I called and asked if I could a deferred payment due to a medical procedure I had that kept me out of work for over a month. The associate gave me the wrong information telling me about a in-house program the company offered where it's not a deferred payment but the payment is spread over a XXXX  month period and is not considered late nor will it be reported late on my credit report or effect my credit in any way. I had specifically told her this can not go on my credit report or I will not go through with the program and I would just have to get the money another way. She again told me that it was an in-house program and it stays in-house. They have agreed over the phone that they gave the wrong information but are refusing to remove the XXXX lates payments. The late payments are XX/XX/2022, XX/XX/2022 and XX/XX/2022. This account should not be reporting any late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
WELLS FARGO HAD AN ACCOUNT STILL OPEN WITH MY INFORMATION, WHEN I WAS TOLD BY THEM THAT THEY HAD CLOSED BY WELLS FARGO CHECKING ACCOUNT IN SPRING OF XXXX. I USE TO GO TO THE BRANCH ON XXXXXXXX XXXX XXXX XXXX XXXX, NEW YORK. THEY TOLD ME MY CHECKING ACCT. WAS CLOSED BY SOMEONE, I DID KNOW. THEN WHEN PRESIDENT JOE BIDEN SENT CHECKS FOR {$1200.00}, XX/XX/XXXX, {$600.00} XX/XX/XXXX, AND XXXX XX/XX/XXXX. 
THE ACCOUNT NUMBER WAS : XXXX, ROUTING NUMBER : XXXX. I CALLED IRS TODAY THEY TOLD ME THIS INFORMATION.

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 2022-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BlockFi Inc
State: NH

Complaint narrative:
I have an account with Blockfi. I have money stored in a digital wallet. Per their terms and conditions, I am able to deposit and withdraw my money at any time. However, due to the recent events at XXXX, they are no longer letting account holders withdraw their money. I have tried to email, chat, and call Blockfi with no response. All that they say is that they've paused activity on their platform and clients are no longer able to withdraw money. What worries me is that an article from the XXXX XXXX XXXX came out today that they're filing for bankrupcy : https : XXXX. I just want to withdraw the money from my account. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: NY

Complaint narrative:
See attached. As pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) I never gave these companies written instructions to pull my report. The companies reached out to me and let me know that they have sent letters to equifax informing the to remove these unauthorized inquiries. Equifax know that according to XXXX XXXX XXXX ( b ) when they do their investigations they must prepare XXXX  accurate report to the XXXX. Remove these XXXX inquiries immediately. 
XXXX XX/XX/2021 XXXX XX/XX/2021. This is a defamation of my character and I want {$1000.00} for each inquiry because equifax came back stating that they spoke to these companies and it was verified when that was not true. Equifax was not being fair and equitable and I suffered from. I will be taking this to federal court if I don't get my remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: Professional Finance Company, Inc.
State: FL

Complaint narrative:
I have sent a letter of method of verification to the collection agency Professional Finance Company for reporting inaccurate information on my credit reports. They have failed to comply with my request.

Professional Finance Company Acct # XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
Repeated and Harassing Robocalls from Midland Credit Management. When I have attempted to answer and confront these harassing and unwarranted calls, no one is ever on the line. I have waited for a rep to come to the robocall, with no results. 

( See attached call records from my phone ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16 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: EQUITY RESOURCES, INCORPORATED
State: OH

Complaint narrative:
I am a XXXX woman who worked very hard to purchase my first home. I also worked very hard to qualify for my interest rate of 2.5 %. I made all of my payments on time for over a year including extra until XXXX. I found myself with my job 's hours reduced and thus struggling to make my monthly payments. I never fell behind. I applied and was approved for XXXX XXXX XXXX program through the state of Ohio. They agreed to pay my mortgage from XX/XX/XXXX through XX/XX/XXXX. Around the first part of XX/XX/XXXX, I contacted my mortgage company to inquire about the payment and mentioned if that payment was not made, I wanted to make it because I did not want my credit to be impacted. The mortgage company assured me that while I am in the program the mortgage company is not able to report late payments to the credit bureaus. Since I have been placed in this program, I am unable to view my account online, I am no longer able to make any payments on my account to protect my credit and the mortgage company has been reporting my mortgage as late for the last 3 months. My credit score, that I worked very hard to maintain, has tanked XXXX points. If I had known that this was going to be the outcome, I would have just worked more jobs and not asked for help. At the end of the program my credit is going to be shot. I would like some help in getting my credit report corrected. I have asked the mortgage company to do the things they say they are going to do and correct my credit report. I have gone through the credit bureaus and disputed the late payments, and the mortgage company is obviously stating they are accurately reported because they are never removed or updated. Please help me correct this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was offered a free safety deposit box when I opened an account with Chase. After using the box for a time, I emptied it when I moved house because my new address was two hours drive away, and Chase could not offer me a box at a branch nearer my house. I later received letters warning me that Chase would start charging me {$70.00} per month to have the box. I called and wrote to Chase many times explaining that I no longer lived in the area, but they were insistent that I had to visit the branch to close the box. It was so far away, but when Chase stopped responding to me, I had no option but to drive the four hour round trip to meet with the branch. This could have been done easily by mail. I was then shocked and appalled to find that I had been charged {$70.00}. I complained to the branch, and received an infuriating call saying that the final decision was not to refund me the {$70.00}. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card was about to expire in XXXX, 2022, so a new card was sent to me, which was lost in the mail. I called about getting a replacement and a replacement for the lost card was sent, which I never received or which was also lost. My account was soon thereafter closed and my password into my account was disabled so I could no longer make monthly payments online. When I called the company about the problem, I had to pay over the phone ( after a XXXX minute wait ) and requested to re-open the account so I could access it online in order to make payments. An email was sent to me with a link to a message in my account about my request, but since my account is closed, I couldn't access the message. I called again to explain this problem and was finally told I could not get a new card and the only option was to call every month to make a payment over the phone, and the wait-times are typically XXXX minutes to be connected to an account specialist. I don't understand why they would close an account with a balance when they know that access to that account to make monthly payments would be impossible.

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 2022-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2022 I received an email stating that I opened a Bank of America XXXX XXXX XXXX checking account with just my SS #. I did not open this account nor do I have any accounts with Bank of America. And I can't get BofA to close the account because no one will answer the phone.

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 2022-11-16 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: CA

Complaint narrative:
On XX/XX/22 I submitted a dispute XXXX XXXX. XXXX regarding unlawful collection on my credit file. TransUnion completed their investigation on XX/XX/22 stating that their investigation confirmed the information was correct and my file did not change. This is the 2nd time i have disputed this with negative results. If TransUnion did in fact properly investigate the results would have been different. California Law authorizes treble damages for a bad check but must first follow strict requirements for damages as outlined in Civil Code 1719. The collection company did not follow the requirements and was not awarded damages by a court of law. Furthermore, Transunion has provided no information on how they were able to determine that the information is accurate.

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 2022-11-16 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: TRUIST FINANCIAL CORPORATION
State: ND

Complaint narrative:
I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX SUNTRUST XXXX XXXX  inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX  inquired XX/XX/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 2022-11-16 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: SYNCHRONY FINANCIAL
State: ND

Complaint narrative:
I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-16 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: GA

Complaint narrative:
First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company XXXX have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to XXXX numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I was connected about a XXXX XXXX XXXX that I have never had. I live in XXXX and the bill is in XXXX. I spoke to VALOR INTELLIGENT PROCESSING on numerous occasions and explain this was not my bill please provide me with a signed contract, which I have never received

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: LL Services Parent LLC
State: ND

Complaint narrative:
Fraudulent inquiries on my XXXX credit report COVIUS MORTGAGE SOLUTION inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Not my account it only on my XXXX credit report it's 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 explanation
Consumer complaint received 2022-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX credit reporting company is reporting the account XXXX XXXX XXXX- Account number XXXX in the amount of {$120.00} with no information on the DATE CLOSED. TransUnion reporting company is reporting XXXX XXXX XXXXXXXX XXXX XXXXXXXX in the same amount {$120.00} with the DATE CLOSED AS OF XX/XX/2018. XXXX and TransUnion are reporting different information on the same account which is contradicting each other. This is a discrepancy.

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