vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-21 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: CA

Complaint narrative:
My account is reported as late from a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My account is reported as late from a few years back.

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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company is reporting an account to my credit report, I have never had an account with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2022-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Delete hard inquiries off my account.

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 2022-07-21 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
It is indicated that I paid my student late when that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: MECHANICS BANK
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is indicated that I paid my XXXX  late when that is not true.

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 2022-07-21 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: CA

Complaint narrative:
It is indicated that I paid my student late when that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It is indicated that I paid my student late when that is not true.

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 2022-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
XXXX insurance company reported me to Credit Collection Services for a amount they say I owe simply because I cancelled my policy ; which I had previously paid in full. As a result I have to fight with the collection agency to keep if off my credit report which I value greatly. They are doing this out of spite & have no proof or reason to report me to the credit collections. I proved to them all the things they asked to show that I didn't owe them anything but the disregarded the information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: GA

Complaint narrative:
I co-signed for my son to get a vehicle loan and was very specific with the dealer to not run my credit more than once and it was shopped round to multiple dealers without my consent. 

According to the fair Credit Reporting Act Everything has to be 100 % inaccurate on my credit report They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 


They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2022 I mailed Capital One a certified letter via the XXXX, which they received on XX/XX/2022. In the letter ( attached here ) I made Capital One aware that I did NOT agree with the amount of the alleged debt Capital One reported to consumer reporting agencies. I requested the documentation showing where the debt originated, how the debt was calculated, and any other documentation that proved their claim is valid for account # XXXX. My request is pursuant to 15 usc 1692g ( a ). I still have not received any response from Capital One nor any of the documentation I requested to prove their claim is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, 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 2022-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Fresh Holdings Inc
State: KS

Complaint narrative:
Credit Fresh called HR Department trying to reach me and left a message with my employer 's VP of Human Resources that forwarded the voicemail to me. My employer now knows I have a debt collector trying to reach me at work and may have adverse effect on my continued employment with my current employer. I contacted the collector at XXXX ( XXXX ) XXXX and told them to never contact my employer or me at my work again yet they repeatedly continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
PayPal credit 's online portal would not let me make a payment. When you go to make a payment, it generates a list of banks. I have 3 checking accounts with different banks I could have used. However, none of them are options to make a payment to them on their website. This includes XXXX, the largest bank in the world. They seem to purposely preventing the ability to make a payment on debt owed because I bank with XXXX, which again, is the largest bank in the entire world and as such it could be suggested that it has a correlating popularity. 

In attempting a resolution, I'm left in a 23 minute IVR trying to get to their customer service who can not fix the situation. Hours were spent jsut trying to make a payment to them as they keep harassing me for via voicemails. 

It's 2022. I'm tired. I '' m busy. And you made me spend several hours being harassed by your voicemails, unable to make a payment with your portal, and having to try to get a hold of your customer service. So 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 monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
CITIBANK N. A Approximately XXXX XX/XX/2022 I opened a checking account with Citi Bank XXXX When I opened the account, I deposited a total of {$2600.00} into account. In mid-Late XXXX I attempted to login to my account, and it would not let me. I contacted your bank to unlock my account and was told that my account is being closed and I received a number to the fraud section. I then called the fraud section and told my account was closed and they could not give me a reason of why it was closed. I was informed that in 60 days the account should be closed, and my money would be mailed to my address on file. On XX/XX/XXXX I received a letter stating the same information with a phone number on the bottom. I called this number but received the same information that I had previously been told. 

I waited out the 60 days and contacted Citibank again the end of XXXX, this time they informed me the account had been closed and has a XXXX balance. I asked them if they knew when a check was sent, and they said it had not been sent and asked me to hold on so they can see what they can do. She then came back and told me she regrets to inform me that there is nothing more they can do. I was confused and said what do you mean, and she repeated the same answer. I told her that I should be getting the XXXX back and is there someone else I can call and was told once again there is nothing they could do, and they were going to let me go. 

So, my account is closed, and my money is missing and at no time was there actual fraud. I dont care about the account but really nee my money back XXXX XXXX Account Ending 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 monetary relief
Consumer complaint received 2022-07-21 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
Collection company call me asking about another person try to collect all my info then report the account to the bureau knowing they have the wrong info I ask for proof Id social never provided. They have the wrong info and they are trying to make me paid for a account that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
Common Wealth Financial, XXXX, {$1500.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: Everi Payments Inc.
State: AZ

Complaint narrative:
My wallet was stolen from my vehicle on XX/XX/XXXX and illegal / fraudulent charges were made. Theft was reported to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I notified all credit cards companies and disputed transactions. 
All were verified as fraudulent ( and there is video surveillance of all transactions ) and money returned to my account/ cards. 
One charge from XXXX XXXX was initiated at a casino as a cash advance. XXXX XXXX contacted the merchant ( Everi XXXX ) and notified them that this was fraud. They provided merchant with police report, and Everi did not fight or dispute chargeback. 
On XX/XX/XXXX I was notified by my private banker that a negative collection hit my credit reports ( resulting in a XXXX point drop ) from company called XXXX XXXX XXXX. 
Upon contacting them I was told it originated from the fraudulent credit card transaction at XXXX XXXX  that that EVERI XXXX was the reporting company for collection. 
I contacted XXXX XXXX, who verified that this was verified as fraud and charged back. They also said this was between XXXX XXXX and Everi- not me the consumer. 
Everi did not fight or dispute the fraudulent transaction / chargeback, but sent my information to collections knowing full well that this was identity theft / fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage was originally with Mr Cooper. I've since refinanced and my load has been sold back to the company known as Mr Cooper. My current LTV ratio is below 80 % and my appraised amount to loan value supports this. Current market conditions have also made the value of my home substantially higher than the appraised value. On XX/XX/2022 I attempted to call Mr Cooper to get the PMI removed and their phone system gave me no options to do this nor did it give me any options to speak with a representative about this. I had to state I had payment issues to get a live person. Once connected, I asked the agent for their direct number to which she stated there was none and then transferred me. I did get to speak with an agent regarding PMI. She stated that my LTV ratio was below 80 % and I've not missed payments in the last 24 months but I would need another appraisal to get the PMI removed. I asked why and she stated that it was required from the lender. I asked why the other one wasn't good enough and she said because this was different than getting the mortgage refinanced. I sent an email the same day to their general email box asking for PMI to be removed and I received an automated email response. Their tactics of making it difficult to get ahold of a rep to remove PMI and the requirement to get another appraisal beyond the refinanced value is unfair to the homeowner especially when that homeowner has no choice but to use that lender when the mortgage gets sold between companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Thursday, XX/XX/XXXX, I went to a cafe at XXXX XXXX XXXX in XXXX XXXX, CA. I needed cash to buy food, so I used the ATM located inside the cafe. I put my card in, did the transaction, and for the machine to dispense the money, I needed to take the card out, but because my nails were too long, I couldn't get the card out, so I asked the manager, but by the time he came over to help the machine timed out and no money was dispensed. I stood there and did the transaction again with the manager 's help, and it then said insufficient funds. I called the number on the ATM, they said it was the bank holding the funds ; they had nothing to do with the money ; their just providing the ATM service. I then called Chime, and the first three representatives weren't helpful, which upset me. I was not without money, no way to pay for the food I ordered and no way to put gas in my car to get home which left me stranded ; all of this left me embarrassed and humiliated. The fourth representative I spoke with told me to send in the receipts, which I did, and she filed a dispute. I did what she asked and called back Monday, XX/XX/XXXX, to find out no dispute was filed, which again XXXX me off. The representative saw the receipts, read the notes, and filed the dispute for me. I received an email the next day that said : We take disputes like yours very seriously, and we'll be in touch as soon as possible with an update on your case. I completely understand the inconvenience you are experiencing. We are working to resolve your case as quickly as possible. Based on the nature of your claim, we will complete the investigation no later than XX/XX/22. We will notify you by email as soon as the investigation is completed. I was livid, XX/XX/22 is 3 months. I have never experienced this, this is unheard of, beyond ridiculous, and unacceptable. A simple mistake of not taking my card out ; I work hard for my money, we are in the middle of inflation, and they're stealing from people. I need my cash.

Company response to consumer: Closed with explanation