vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-08 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: VA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Credit Plus Inc
State: AL

Complaint narrative:
XXXX made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/XXXX I received a letter dated XX/XX/2021 from Wells Fargo. Inside the letter was a XXXX dollar cashier check and a letter stating why I was receiving the check. After further review of the letter and my consumer laws Wells Fargo has violated me as a consumer. By sending the check and the statement in the letter that says You are receiving money because of a legal settlement Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices shows admission to the violation of the consumer. Wells Fargo violated 15 USC 1602 ( p ) as they didnt have actual or implied authority for their unauthorized use of the consumers ( cardholder ) credit card ( social security card ) and personal information, and as the consumer received no benefit for any of the unauthorized transactions.

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 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
Pursuant to a previous complaint that was filed because they failed to timely pay our property taxes, which they held in escrow, Dovenmuehle Mortgage paid the taxes and, from their own account, the penalties, closed our escrow account as of XX/XX/2021, and promised to return the funds remaining in our escrow account ( {$3900.00} ) to us. They have not done so, apparently because they mistakenly submitted a second property tax payment, and claim they can not get a refund until XXXX. Even if they have to wait until XXXX for the refund, which is not confirmed by the XXXX County Tax Office, we should not have to wait for our funds because the mistake was theirs and the refund will be paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions Six increments of XXXX DOLLARS EACH were fraudulently removed from my BANK OF AMERICA EDD Check in account over the course of 6 days. I was never alerted of this activity and filed a fraud claim as soon as I learned of it. BOFA is refusing to credit my account due to this fraudulent loss. They have a XXXX LIABILITY CLAUSE that states that my money is insured up to XXXX. I have called multiple times and had the poorest customer service.I feel like they are not taking my situation seriously when this is causing me a great amount of distress. My livelihood was due to the pandemic and I rely on these funds to live. I have submitted a police report and I feel as if Im doing all of the work their supposed to be doing. I have not been notified about any updates or what their intentions are..

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 monetary relief
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
As of XX/XX/XXXX, I have paid off any delinquent accounts as per my transunion and XXXX  credit reports. Furthermore as of XX/XX/XXXX I have paid on time : mortgage, wi-fi, utilities, phone. As of XXXX I have bank loans, PPP loans and grants from the DC government. Yet ny score which was at XXXX has been pulled down to XXXX. 

This adverse situation during Covid has impacted my ability to apply and buy property as jobs with salary of {$100000.00} plus would require a credit score of XXXX plus.

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 2021-07-08 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 canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I canceled my subscription with equifax. They continuously keep attempting to charge my card. I also called and spoke to a representative on 3 different occasions and they assured me my subscription was canceled and I would no longer be charged. I used a prepaid debit card for my subscription ( thankfully ) so it's not money on there constantly. I get email notifications all the time saying they attempted to charge my card. I really feel like I'm being harassed by this company. Why won't they just accept my cancelation and stop trying to steal money from me? This company is a complete SCAM!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account. 
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.

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 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been affected by the actions of my ex husband who has withdrawn the money on joint bank account and my ex husband was abuse me control to not use a money in joint bank account. Since XXXX XXXX I have been in this financial abuse, I wasnt be able to make a payment. it was effect me on my credit score. Then i was applied unemployment on XX/XX/XXXX. I was started made a minimum payment or some bills i made a payoff. The big problem for me, The capital Walmart card, my ex husband allowed me to made Just minimum payment and it cause my Walmart credit card high interest and i paid for interest to walmart since XXXX between $ XXXX every month. 
He was withdrawn the money in joint bank and access to my sprint online account without my permission and authorization himself to my account without my concern + sprint charges me for the bills {$200.00} and sent a debt collection to me. 
Since he was transferred the money from joint bank account to his personal account, he was left me and never supported my expenses at all. I had use a credit card to paid my tuition to get a license to work and but food for survival. my credit scores was lower and lower. Now i was checked is XXXX. it hard to be to start new life and walking on feet again. I was applied to business account from the bank, i got denied it because of my credit score.

I just need help, i want to work and do thing for mylife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XX/XX/2021 i sent a letter regaurding innaccurate and unknown informationon my report to this day over 60 days later I have not recieved a response yet. I feel like im being taking advantage of and being ignored of my disputes. Sec 611 ( a ) plainly states failure to investigate these items in 30 days gives a reason to immediately delete from my report. It has been over 60 days so they should be deleted immediately. I demand they be deleted immediately or I will file for litigation due to stress you caused me. My info may also have been affected by the equifax data breach and got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: TOPA EQUITIES
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is trying to ruin my life by tanking my credit score. My daughter needed braces to fix her smile so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way XXXX XXXX XXXX  manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.

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 2021-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Capital Bank is trying to ruin my life by tanking my credit score. My daughter needed XXXX  to fix her XXXX  so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way Comenity Capital Bank manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: Lending Club Corp
State: CA

Complaint narrative:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I have attached a letter and FTC report.

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 2021-07-08 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: IL

Complaint narrative:
I was robbed of my purse and the person took my purse with all my ID and personal information. Now I have unauthorized fraud inquires on my credit report. I have called and explained the situation but nothing has been done.

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 2021-07-08 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: PA

Complaint narrative:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent

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 2021-07-08 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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Problem with chase bank since last year of 2020 of early XXXX for them to relinquish the funds that unemployment had deposited into my account I filed several claims and called repeatedly. I had a case agent named XXXX who was handling it, but had to close it due to unemployment needing to submit a letter that they wrong me on my account for the amount I was to be paid.Been over 1 year and problem still havent been solved Ive XXXX XXXX XXXX  multiple times and informed them of what unemployment told me once a wire transfer is in my account its out of their hands and that its either send funds back to unemployment or release them to me and both sides isnt helping at all, only had new account for 3-5 months, and I faxed copies of previous deposits and dates from unemployment who provided me those funds in beginning of pandemic of Covid19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: FL

Complaint narrative:
I have attached letter and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
I was looking for small loan about $ XXXX and ask about construction to mortgage loans and what the cost would be. I called XXXX XXXX on XX/XX/2021 and asked about mortgage products and mortgage to construction loan. I gave her my information and told her that I put in my offer on the land the day before. XXXX the lender said that she has no time for her and that she wouldnt approve me at all and then called the listing agent for the lot I submitted an offer on and told the listing agent that they should not sell to me because i could be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: IL

Complaint narrative:
I was robbed of my purse and now I have these inquires where someone is trying to get credit and different things in my name. I did not do this & have no idea who this thief is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: MT

Complaint narrative:
I received the attached notice from Jefferson Captial regarding a XXXX XXXX bill from over a decade ago, the last time i received correspondence I called and told them to stop sending correspondence as there is nothing they can do. They even state they can not sue, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation