vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-20 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: MS

Complaint narrative:
FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.

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 2022-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I purchased a home ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) at the XXXX XXXX foreclosure auction on XX/XX/XXXX. After over a year of being the owner on title and never being contacted by XXXX XXXX XXXX or Selene Finance I went to sell the property ( XX/XX/XXXX ). I was told there was a first mortgage with XXXX XXXX XXXX that would need to be satisfied. XXXX  XXXX XXXX told me they sold the loan to Selene finance. I have been calling and emailing Selene finance for months trying to get payoff info but Selene has told me that they have no foreclosure department for me to talk to and no available managers to help. They take my name and number and tell me I will hear from a supervisor within 48 hours. I have been calling three times a week for two months and have not heard back. Meanwhile they posted two separate notices on my property stating they while be re keying and boarding up the property. My buyers title company has tried many times to contact Selene with no luck. I hired an attorney and he is trying to get the mortgage payoff, but has been met with the same silence from Selene finance.Also they allowed the former owner to collect surplus funds from the foreclosure auction that should have been used to pay down this first mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: MD

Complaint narrative:
On XX/XX/XXXX I sent credit dispute letters to XXXX, Equifax and XXXX asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XXXX  I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: MD

Complaint narrative:
On XX/XX/XXXX I sent credit dispute letters to XXXX, XXXX and Experian asking to Validate the debt for 4 accounts I saw on my credit report. I did not receive any return communication by mail from them. 
On XX/XX/XXXX I sent another letter letting them know I had not heard from them and I wanted an investigation started on the 4 accounts. I did not receive ay return communication by mail from them On XX/XX/XXXX I have sent another letter by certified mail letting them know I have not received a reply about the results of the investigation in to the 4 accounts. This is causing a hardship because it is preventing me from buying a home for my family. Very soon we will have to find a new place to live. 
I thought the credit bureaus had 30 days to respond with the results of their investigation. if so they are in violation.

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 2022-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX  has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-20 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX, and XXXX Accounts has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
In late XX/XX/2021 I signed up for at-home water delivery from XXXX, a XXXX XXXX  XXXX XXXX XXXX I received my first delivery and water dispenser. For the next water delivery, the company was delayed. Then delayed again and again. Finally I contacted the company and cancelled my service. This was confirmed by email. When the driver next showed up, he tried to deliver water but I refused the water and asked him to return the dispenser as well. In XXXX and XXXX, XXXX continued to charge me for water that I never received. I contacted the company and was assured that there was no actual charge as my account was closed. Early this year, I XXXX tried to charge me again. This time I contacted the company by phone and was assured that it was just a computer error, I did not owe any money. This XXXX, I received TWO invoices from ASSOCIATED CREDIT SERVICES , INC. informing me that I owed XXXX in the amount of {$46.00} and {$150.00}. I don't know what these amounts represent as I paid for my original water, and never received any product from them again. Please help me to clear up these fraudulent claims with a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX SSN : XXXX Date : XX/XX/2022 To Whom it May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : Address : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 

Please update to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX Sincerely, 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 2022-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Called XXXX XXXX credit card fraud dept. reported that I never applied for a credit card. They said they would close the card. Talked to XXXXXXXX XXXX fraud dept. XXXX told me 2 credit cards were taken out in my name. With the correct name, address and social security #. However it was missing my middle name, in which I always use. all of this took plavce the week of XX/XX/XXXX. I also had a bank account open with the same information in XX/XX/XXXX with Wells Fargo. They wouldn't confirm or deny if they were the leak of my information. The reason I think that they are responsible for the breach is because in XXXX we opened a bank account with Wells Fargo and realized 2 days later are information was used to try and get a loan with Wells Fargo and wasn't on our credit score? That was a red flag. We closed the Wells Fargo account that day. It never showed up on our credit score so we thought it was someone trying to trick us and we stopped it. However I am not sure anymore. I'm scared that my social security # has been stolen and I could loose so much of my credit because of that ID theft.

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 2022-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF THE WEST
State: NY

Complaint narrative:
I started disputing Bank of the West credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch of Bank of the West three times, filing two more reports at the local branch, filing complaints against both Bank of the West and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX  in XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, Bank of the West chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like Bank of the West. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. Bank of the West needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.

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 2022-05-20 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: SC

Complaint narrative:
I have submitted several dispute with experian, XXXX and XXXX for a medical bill reporting on my credit report, and also my mortgage company XXXX  - XXXX  reporting inaccurate missed payments. I have attached the results of the dispute of the medical record reporting on my credit report. The item still hasn't been removed, it was added to my report a second time after the dispute with a new open date of XX/XX/XXXX. My credit score has dropped significantly due to the bill reporting on my credit report. I have shown proof that the bill was to be paid by workers compensation settlement in 2019. I have also submitted a dispute against my mortgage company for reporting inaccurate missed payments. I submitted proof that the payments were mad on time. Some of the missed payments were corrected, then added back to my credit 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 non-monetary relief
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have a business bank account with Chase Bank and they continually lock me out of my account " due to suspicious activity '' every time I try and wire refund payments to my clients internationally. They decline the transaction without asking me first if it is valid and then lock me out of my account. It takes me hours to reach anyone on the phone who can assist me. This is happening almost weekly and causing tremendous issues for my business. I need someone with authority at Chase Bank to assist me. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid a individual XXXX and on XX/XX/XXXX I also paid this individual XXXX for consultation and aide for housing and student loan deferment. This individual never showed up to the meeting after I paid him. I filed a police report filed a claim with my bank as well as XXXX XXXX. Chase refunded me the money initially and then reserved the claim, and took the money back out my account without any reasoning as I have proof through text messages and phone calls that this individual never showed up or provided any service made out to me. 
XXXX from chase bank states that since the money is not recoverable they will not refund me money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  a XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681s section 604 A Section 2 : its also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ant purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I contacted cash app support about a dispute I filed XX/XX/XXXX for an update on the dispute while after the dispute my cash card was deactivated off my account without any one asking or me saying I wanted another card I had to pay XXXX $ for this cash card and I was hung up on by a representative at XXXX after calling about this problem the representative told me not to be mad on the phone and I stated I can be as mad as I wanted because my account with my money on it is being jeopardized and I was hung up on and no longer received a call from cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20 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:
experian had received my letter with giving instructions to delete false information. My privacy as been violated by experian for furnish this false information without my writing consent violating two statues of the law 15 US code 1681 ( A ) ( 4 ) and 15 US code 1681 ( B ) ( 2 ). By doing so experian had allow debt collector to communicate with me in a form of furnish this false information and again violating my privacy and another statue of the law Pursuant 15 US code 1692c ( A ).

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