vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, & XX/XX/2019 CAPITAL ONE added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CAPITAL ONE has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am sorry to report that I am again writing you about unauthorized funds taken from my Chase checking account. ( I previously wrote about incidents in late XXXX which you have advised Chase has yet to investigate and respond to - complaint # XXXX XXXX. 

This most recent problem occurred on XX/XX/XXXX, when I noticed three unauthorized debit card withdrawals from my checking account, each for {$200.00}, made from the Chase branch at XXXX XXXX XXXX in XXXX. A total of {$600.00}. I called Chase and they temporarily restored the funds while they investigated. Today, XX/XX/XXXX, they sent a letter to say that the withdrawals were authorized and entailed using my chip card. However, I have never lost my card or had it out of my possession. I live alone with a child and no one can even visit our home during this pandemic. I have a clean banking record and manage my money carefully. And my card was replaced after the XXXX incident. I asked if they were up to speed with sophisticated cyber crime that might enable a thief to replicate a chip card. They say that they are. This has to stop and clearly my money is not safe at Chase. I will keep this account open ( with minimal funds ) for the purposes of an investigation, but I believe I need a new bank, one that can manage accounts safely and has a longstanding customer 's needs and protection in mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
ILLEGAL LOCK OUT, EVICTION AND CONSTRUCTIVE EVICTION HAVING CAUSED HARM AND INJURY DUE TO LOSS OF USE OF OUR HOME, LOSS OF ALL PERSONAL FURNISHINGS AND PERSONAL PROPERTY, DAMAGE TO OTHER PROPERTY VEHICLES. IRREPLACEABLE AND VALUABLE PERSONAL BELONGINGS THAT WAS REMOVED FROM THE HOME. MISSING NUMEROUS ITEMS THAT WERE NOT FOUND IN THE HOME NOR IN THE YARD WITH BELONGINGS AND FURNISHINGS THAT WERE DISCARDED. 
FORECLOSURE AND REMEDY IMMEDIATELY! 

After being away from home for a while due to family medical, we arrived at the property in XXXX XXXX, PA on XX/XX/2020 and realized that we were Locked out from entering our home. Our home was not abandoned. We have loss of use and loss of our personal belongings and no response from the bank, ombudsman, or the law group except to give the new lock box code after we have changed the locks on the home. I AM NOW LOCK OUT AGAIN! 

The photos, and emails that are attached and are filed with the complaints, have been forwarded to all the parties involved Select Portfolio, XXXX XXXX XXXX XXXX /Foreclosure/Eviction and the Ombudsman of Select Portfolio as is noted on the emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: TX

Complaint narrative:
I need assistance from the CRA 's because their client, XXXX XXXX XXXX XXXX makes a mockery out of an investigation. It is wrong for the CRA 's to request an investigation and then XXXX  merely reply they are reporting correctly. I have repeatedly requested copy of the credit report used for a fraudulent loan through ( XXXX  ). XXXX has repeatedly denied. The credit report will prove the theft and fraud reflecting I was " checked out '' first and then the report was pulled prior to applications and loan. XXXX couldn't find the report and after 60 days labels my request as a duplicate with CFPB. This is 100 % wrong! In addition to not having permissible purpose, the loan should have never been processed in the first place. Can the CRA 's go back in their system and find the credit report that XXXX  does not have? What can the CRA 's do to help? I request a detailed report why XXXX continually labels my requests as a duplicate when the have never furnished the credit report. And a detailed report of why they continually state they are reporting properly.

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 2020-12-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity 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 2020-12-15 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: FL

Complaint narrative:
i have written to Equifax on several occasions that i wanted to see how several accounts that they are reporting are valid and accurate. i have asked for proof and for them to show me a legal and binding agreement or contract. the accounts are as follow : 1. XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I was on XXXX XXXX looking at small personal loans and received a call from 1st Franklin Financial in XXXX Georgia on XX/XX/2020. After speaking to them about the process of their loan and giving them some of my personal information I told her to not pull my credit due to me not wanting to give them collateral. I did not want to have one of those loans. 
I was never verbally asked if My credit could be pulled nor did I ever verbally say it could be pulled. Before the phone call ended I specifically told her do not pull my credit. Before the phone call ended I verbally told her do not pull my credit and was not informed she already had or did after the phone call ended .Now I have a credit pulled from First Financial that I did not approve.

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 2020-12-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XX/XX/2020 CITI Card CBNA added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, CITI Card CBNA has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

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 2020-12-15 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: FC HoldCo LLC
State: NJ

Complaint narrative:
In XX/XX/2019 Flagship Credit Acce added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Flagship Credit Acce has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

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 2020-12-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2019 USAA Federal Saving B added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Federal Saving B has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
We filed a dispute in XX/XX/2020 against a vendor named XXXX for fraudulent charges. Since that time Citi Cards has made no real progress and in fact we do not think that we have been fairly represented. 
1st Citi Card opened the dispute for the wrong amount : we filed the dispute for {$16000.00} and not {$1900.00}. 
2nd Citi Called and tried to close the dispute for what they interpreted as credits of {$17000.00}, but had they read the dispute they would realize that this figure was over-billing error corrections/credits and not a refund of the fraudulent disputed amounts. 
3rd I get a call from Citi Cards ( XXXX ) on Thursday XXXX XXXX regarding the dispute, and she had no knowledge of the details of the dispute which we had filed nor any of the communications that had transpired since we opened the dispute. So we had to start all aver again by resending the dispute details. 

I am a long time card holder and I feel that I deserve better customer service than this. I am hereby appealing one more time for Citi Card to provide me real and fair dispute resolution, which I am entitled to as a card holder.

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 2020-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had all the money from my closed IRA and unemployment in my Suntrust checking account. I used the account XXXX  night and XXXX  my account was closed without any email or call from bank leaving me literally with {$0.00} to my possession when I could they simply said they closed my account without any explanation and couldnt access any of my money until theyre investigating was done. I recently lost my job due to covid and this is the only $ i had to my name and I can even get an explanation after banking with them 9 years. This is second time they did this to me

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 2020-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: KS

Complaint narrative:
Our mortgage company charged us 2 payments one week XX/XX/20 and XX/XX/20. We are on a bi-weekly auto draft with them. They did eventually refund the one payment but it took several days and put our account in negative for several days. I have tried to request the NSF charge of {$32.00} to be refunded to me from them several times and have still yet to get that refunded. Every time I call I'm on hold for at least 30 mins and usually the call takes up to an hour. Hardly anyone there knows what they are doing. I requested to speak to a supervisor and was told one would have to call me back. If one ever did call me back I never received a voicemail. We were supposed to have a payment taken out on XX/XX/20 and one still has not been taken out. I have tried calling the customer service line several times and after being on hold for about 10 mins I get someone's voicemails saying I'll get a call back and no one has ever returned my voicemail. Their service is horrible. I could manually make a payment online but I don't want to do that and then auto draft come out as well and it double charge us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/2020 USAA Savings Bank added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, USAA Savings Bank has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On my reports there is a closed account with huge amount of missed payments. AMEX Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AMEX has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity 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 2020-12-15 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IN THE LAST 48 HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT 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 2020-12-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
IN THE LAST 48 HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT 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 2020-12-15 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: KS

Complaint narrative:
XXXX  on equifax and XXXX  shows late 7 times which i was not i want this removed off my credit report -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I sent the company the following letter - and I got no response. They did not validate the debt under FDPCA and ignored 1692G of the FDPCA.

Please be advised this 1692g letter is for all!!! Accounts you have listed under my name that are inaccurate and now you are in violation of 1692 ( E ) subsection 8. 

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further, I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. Additionally, according to Metro 2 compliance, you are not listing the first date of delinquency on XXXX  or XXXX  as required under Metro 2 - another reason for deletion.

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