vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: DC

Complaint narrative:
many bureaus have the wrong information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo Auto Finance Vehicle loan Account XXXX. XXXX Date of XXXX XX/XX/XXXX to XX/XX/XXXX The vehicle was repossessed in XXXX and I had to file bankruptcy due to the high interest and rising rates of the loan.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Around XXXX XXXX, XXXX I received an American Express gift card for {$100.00} from a relative for a XXXX present. On XX/XX/XXXX I used the card for the first time at XXXX XXXX. They informed me they could only process {$70.00}. I contacted American Express immediately and they told me there were 4 other XXXX charges in the amounts of {$10.00}, {$10.00}, {$5.00}, {$5.00}. They gave me the persons name, address that made these purchases and informed me I needed to contact XXXX as they do not handle claims. I called XXXX on the same day and they said they created a complaint and I would receive an email within 10 days. I did not. I contacted them again on XX/XX/XXXX and was told these were not XXXX charges. I have spoken to two different supervisors of XXXX and spoke with American Express 3 times. Have not received a refund from either companies. I contacted both companies again today with no results. They have stated they recorded all of my phone calls. I have supporting documents with more information if needed. Again I do have the persons name, address and now have their phone number who made these fraudulent charges. Both companies have stated there is nothing they can do in refunding the {$30.00} back to the gift card. 
They told me I would have to file a complaint with a government office or the police. So I am filing a complaint with you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Requested a transfer of {$XXXX} from capital one account to an outside financial institute, XXXX checking on XX/XX/2022. Money was removing from my capital one account but was never received at receiving bank. I have tried on several occasions to resolve this matter but was told its no longer our problem. They will not place a tracking on the transfer and have told me that it is up to the receiving bank, of which has no information on it. I have yet called again to Capital One today to be informed that they have closed the complaint, but there is no resolution on the notes, of which they will not share with me. My bank, XXXX, has tried to locate such money but is unable to because they did not preform the transaction. No deposit or transfer has been made to my XXXX account, per XXXX. Money was never received. XXXX asked for a tracking number, of which capital one will not provide to me or my bank. Therefore, my {$XXXX} is missing and capital one will not track or find it. I feel that Capital One has stole my {$XXXX} and has refused to give it back. How can something like this happen and how can an institution of that size get away with ripping people off. I would like my money back with all the interest that has accrued. XXXX at an end as to what to do. Please help. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dear agency XXXX a victim of ID theft Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My mom has XXXX bank checking account. She wrote a check ( {$XXXX}, check # XXXX ) payable to me and I made a mobile deposit to Ally bank ( XXXX ) The check was clear on XX/XX/XXXX. All good. 

Suddenly, on XX/XX/XXXX, Ally bank withdrawn {$XXXX} and said " The Federal Reserve shows this check as being deposited twice and we are required to comply with their adjustment request. Since the check has cleared, the maker should have their bank research for more information '' We asked XXXX  bank for the investigation, and they said " There is no other transaction recorded for this check after the check was cleared on XX/XX/XXXX '' I think.. if the check was deposited XXXX, there should be another/XXXX  transaction on XXXX  bank side, XXXX XXXX But there is not. 
Ally bank keeps saying that they can not provide any further help/investigation regarding this matter. I feel like they stole my {$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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XXXX XXXX, 2022, Discover gave written verification that an application for this account does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. 

This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: ME

Complaint narrative:
My house was flooded in XXXXXXXX XXXX during hurricane XXXX. XXXX paid out my flood insurance claim, in two installments for XXXX and XXXX. I received the first check in mid XXXX and have applied all of it on work on the house. I received the second check on XX/XX/XXXX and forwarded it to MR COOPER for their endorsement. As of today XXXX XXXX, they have refused to disperse any of the funds. They required an inspection which I complied with on XXXX XXXX. They have never contacted me and I have to contact them when I have questions. The website shows the inspection was cancelled and they don't seem to be to update their system. I did talk to someone who acknowledged the inspection was completed but stated " only 12 % of the reconstruction was completed and will not give me any funds until 25 % of the reconstruction has been completed ''. When the walls were opened up for reclamation structural damage was found and had to be repaired before reconstruction could continue. I received an invoice for XXXX due on XX/XX/XXXX and MR COOPER will not pay it. I have been forced to apply for a second mortgage to pay my XXXX. I feel MR COOPER is intentionally with holding funds for a nefarious purpose because the insurance money has all gone toward restoring my house ( which I obviously can't live in ) and there is no justifiable reason for not releasing the insurance money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have tried to reach out to the credit bureaus as well as the department of education in reference to my loans. A lot of the loans are past the statue of limitations so they should be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: PA

Complaint narrative:
These companies are in clear violation of the law. Pursuant 15 USC1681B Inquiries appearing on 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 2023-02-01 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
there are two inquiries on my report that i never gave premission XXXX and Syncb/Amazon plcc please remove these off of my report asap

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 2023-02-01 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: FL

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 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 2023-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. 

Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried to fix this information over and over again with XXXX. This account was paid in full and it is past the statue of limitations for reporting on 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 2023-02-01 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: MS

Complaint narrative:
A collections account appeared on my credit report that I am not aware of, I already submitted disputes on the credit bureaus but have not received any response. Below are the collections appearing ; XXXX XXXX XXXX XXXXXXXX

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
After reviewing my consumer reports, I noticed this account NCB Management Service Inc. I have not received any goods or service from this company : nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and DOB. As I know that only a contract/signed agreement between NCB Management Service Inc. and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company or any agreement. 

I continue to receive emails and phone calls from this debt collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, I requested a XXXX distribution through XXXX. XXXX sent me a check for {$4700.00} from their entity, XXXX XXXX XXXX. I deposited this check via mobile deposit to my Chase Savings Account on XX/XX/2023. The check cleared on Chase 's end but then they flagged my account for fraud, stating that they needed to verify the check from XXXX XXXX XXXX. 

I called XXXX and asked for the number that Chase could call to verify the check. I parlayed that information to Chase but Chase states that the number provided is not registered in their system as an approved number to call and therefore will not call to verify the check.

Chase is state that they are unable to verify the check and have frozen my account, locking me out of both my Checking and Savings account with a total {$9700.00}. 

XXXX is stating that they are not able to revoke the check as the check has already cleared on Chase 's side but Chase refuses to verify the check and thus is threatening to liquidate and close my account within 7 business days. 

I have read that though I will get my funds back via a check from their treasury 30 days after my account is liquidated, the funds currently being disputed will be withheld indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: DC

Complaint narrative:
many bureaus have the wrong information on 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 2023-02-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor.

This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 

i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. 
Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation