vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 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: HI

Complaint narrative:
I was the victim of identity theft and a student loan and a XXXX XXXX account was opened up in my name. I sent a letter to the credit bureaus but they just updated it as if it were accurate. 

I just recently got wind of the identity theft and went to the credit reporting agencies immediately after I found out. 
I think this is unfair and under the FCRA A consumer may elect to have consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit transaction that is not initiated by the consumer

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 2021-05-24 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: MI

Complaint narrative:
Submitted a dispute on XX/XX/2021 along with identity theft report. My dispute deleted some collections but the credit bureaus did not remove all the fraudulent accounts from my reports. 
XXXX XXXX and XXXX XXXX collections both need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: MI

Complaint narrative:
Submitted a dispute on XX/XX/2021 along with identity theft report. My dispute deleted some collections but the credit bureaus did not remove all the fraudulent accounts from my reports. 
XXXX XXXX and XXXX XXXX collections both need to be removed

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 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

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 2021-05-24 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: CA

Complaint narrative:
Helllo, I am hoping you can help with a problem I am having with the credit bureaus. In XXXX I filed disputes with all three bureau and still have not got any response from them. How long does this take to get results back? We are going on 3 months now. Do I have to file a second rounds of disputes and keep doing so until they answer me? 
Having to take time away from my work to even file this complaint out is crazy when they should be doing there jobs.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: MoneyLion Inc.
State: FL

Complaint narrative:
Someone has used my email address to open an account with Moneylion. They used my first name and a different last name to create the profile and verified a phone number that is not mine for the account. I was able to log in via forgotten password and changed the password, but I want to delete the account. There is no option to do this on the Moneylion site.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CA

Complaint narrative:
Someone been clearing my bank accounts but the banks havent been any help I even had ppl open themselves accounts with my ss in XXXX XXXX and they wont even close the account. I currently was expecting a XXXX deposit to my cash app for close to XXXX but someone got into my online account changed it to all there info the site wont help me change password or secure my account or give me any of there info all info being told to me is XXXX is the card which who received my funds and its been a run around with these ppl. I dont get who is doing this to me I have two ppl who been doing nothing but steal all my personal belongings and stealing my personal info as well and Im getting so sick of struggling and ppl taking advantage of me Im to nice of a person but I havent even been socia due to all this my guard is constantly up I been car less and money less thanks to who ever fraudulently using my identity I really need help!!!! Please I found out at XXXX I had bad credit please if anyone can please help me its not fair to suffer thanks to someone else. I want to press charges on who ever is doing this to me. They said XX/XX/XXXX the person received XXXX and then two more payments of XXXX. And they alternate all my info to theres some how so Im guessing either my icloud is hacked or someone cyber stalking or someone who knows my info getting all my funds from all my accounts idk what else is all actually happening but Im so upset

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX offered me internet service for my house I signed a contract, when technician went by my house to install he informed me that the XXXX  company is not able to provide services in my community including my house this happened back XXXX. I visit the administration office to let them know the situation, how amI going to pay a service that Im not receiving, they transfer me one agent to another with out a concluded contract

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: MI

Complaint narrative:
Submitted a dispute on XX/XX/2021 along with identity theft report. My dispute deleted some collections but the credit bureaus did not remove all the fraudulent accounts from my reports. 
XXXX XXXX and XXXX XXXX collections both need to be removed

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NH

Complaint narrative:
I recently had a new collections account added to my credit report by Jefferson Capital Systems for a fraudulent XXXX XXXX account for {$280.00}. I did not open this account- I have no knowledge of how this account was opened because I did NOT open an account with XXXX XXXX XXXX I had XXXX XXXX  for a provider more than 10 years ago and did NOT owe them any money before switching to XXXX. This recent ( date on XXXX XXXX says XX/XX/2021 ) XXXX XXXX account is complete and total fraud. I have disputed this debt through XXXX XXXX several times now and they keep saying that it's accurate. It is NOT accurate, I did NOT open a XXXX XXXX account. This fraud is hurting my credit, please help me resolve this fraudulent debt. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CT

Complaint narrative:
On XX/XX/2021 an account was opened using my identity by a company named Security Credit Services and has since been placed on all three of my credit reports as an account belonging to myself. I have no knowledge of this alleged debt and have never heard of such company. I tried on several occasions to make contact with Security Credit Services and on my third attempt, I was transferred to three different people who said they had no record of an account with my name. This has become a nuisance because this debt does not belong to me and I cant seem to get any helpful answers or rectify this situation. I have disputed with all three credit bureaus and XXXX XXXX is the only company to have closed the account ( see attached ). At this point, I am at a loss as to what to do to remove this company from continuing to report a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/2021 I applied for a XXXX XXXX XXXX  Credit Card for my business XXXX XXXX, XXXX. After submitting my application I received an online message from XXXX XXXX  that stated the following : Please call this number and provide this reference # to complete application process : XXXX Your application reference number is XXXX. 

I called the phone # provided as directed and they advised I would be receiving a letter in the mail explaining why my application for credit was denied ( attached ). They explained my application was denied because they were not able to verify my business phone #. I asked why I wasn't given the opportunity to verify this information as the message stated I needed to call to complete my application. They were not able to answer any of my questions and said I would need to re-apply. I asked how they verify business phone # 's and advised my business phone # provided on the application is my cell phone #, I don't have a business landline phone # and I wasn't given the opportunity to verify my business information and explain this. 
I also asked them how I could be denied credit for a reason not based on my credit report but based on an error on their end and they could not answer this.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA

Complaint narrative:
Our refinance opened on XX/XX/2021. We were told that we locked in a rate of XXXX. We submitted all requested documents. We began to receive circular requests from Cardinal Financial via XXXX with " new to-dos. '' The same questions continued to be asked, to which we responded, but new to-dos continued to be issued. For example, I do not have a W-2 as a self-employed individual, but I continued to be asked for my W-2 despite telling Cardinal Financial I do not receive a W-2.

We grew concerned as several months passed. Each time we checked in, a new to-do would be issued with more questions. It was like quicksand.

In the meantime, the company sent an appraiser who billed us directly for {$1000.00}.

I wonder if Cardinal had any intention of actually closing this loan, and wonder if they have an arrangement with their appraiser to generate fees and bill unsuspecting applicants. We were misled by Cardinal, and they now tell us that it is our fault for not turning in documents in a timely manner ( which is false ). We are now at the end of May, nearly four months after we opened this refinance, and we have no closing in sight. Meanwhile, we have missed out on the low rates that we could have gotten had we used a different company, costing us hundreds of dollars per month, and {$140000.00} over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I called Bank of America so they can lower my interest. I am currently paying over XXXX a month in interest and its crushing me. I was transfered over 5 times to various departments. XXXX with XXXX, XXXX, XXXX, XXXX and finally XXXX who dropped the call either intentionally or accidentally. I am willing to pay what I owe i just need the Interest lowered to 0 % or close to that. They wont budge! They keep saying its competitive. XXXX lowered mine to 9.9 % but BOA is unwilling. They even tried to send me to a 3rd party debt consolidation company. I told them I owe them the debt not to a 3rd party. My income has been reduced significantly and I pay them on time or early. Please assist.

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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Not able to access to my online banking. 
XXXX locked. 
Online Banking Acess Locked. 
Called Chase Bank Many Times more than 3 hours of my time. Still Not solved. 
Keep routing to Fraud Department in XXXX  Nothing Solved. Security questions not sufficient. Even I never lived they will ask me how many years I lived. None but failed. Asking My XXXX 's birthday even I divorce about 20 years ago. Last work. Keep failing. I have to keep calling once it fails. The banks, financial institutions, using XXXX and XXXX to rerout for the customer service, and experiencing all ways a problem Some refuses to transfer to Supervisor in the US. Some never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: UT

Complaint narrative:
In the month of XXXX my husband contacted Hunter Warfield collections in regards to an account that appears on our credit report. The company referred him to their legal department ( XXXX XXXX ) stating they are only the ones that control this account. My husband spent two days attempting to contact some at XXXX XXXX. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation by the company. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I always file my UI Unemployment claim every Sunday morning so I can have the credits ready to withdraw every Tuesday. On XX/XX/XXXX, I go to one of the closest Bank Of America in my area. I put in the expected amount to withdraw for that day and the ATM machine tells me I don't have the money yet. I check my balance on the ATM and it tells me that I only have {$1.00} in my checking. In my mind, I'm thinking alright the credits must be delayed for this week. 

On XX/XX/XXXX, I check my balance again and it tells me that I still don't have the credits in my account. So I check further to find out that before I went to the bank on the XXXX of XXXX, someone already accessed my account on another ATM from the opposite side of town. An area that I never go to, an ATM/place that I have never been to before. 

Before all this, I did not have alerts on for my Unemployment Benefits XXXX thinking that there's no way someone can have access to my card because I never use it for outside purchases. I solely only use it to withdraw money from an ATM. My card is always on me and never do I let other people than myself use my cards. 

I call Bank Of America and I file a Fraud Claim on the XXXX of XXXX. 
I call them again on XX/XX/XXXX to see if there is any update on my claim and they tell me that they denied my claim on the XXXX. So I asked for them to reopen my claim for that day. 

I called them every week after that to keep myself updated. One guy helping me being optimistic and tells me that most likely I'm getting my money back after they check the cameras on the ATM 's that were accessed. 

Reach current day of XX/XX/XXXX, I called them and they tell me that they have closed my Fraud Claim again for the 2nd time. I asked them to reopen my claim again and here I am seeking extra help thinking that they're going to deny my claim for the 3rd time.

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