vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-30 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: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, HYUNDAI MOTOR FINANCE CORP add a hard inquiriy on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
We placed a freeze on our credit reports with all three credit reporting firms ( Experian, XXXX, and XXXX following the hack in 2018. We now want to temporarily lift the freeze. I recorded all the relevant information, including the provided PINs when we placed the freezes. We encountered no issues with XXXX or XXXX, but have been unable to lift the freeze with Experian, despite multiple attempts both online and via telephone. Each attempt results in a " we are unable to process this request '' and instructions to mail a variety of confidential documents to their offices in Texas. Despite multiple searches, it is impossible to contact the company -- they refuse to provide any electronic or phone contact information. 
Of the three credit reporting services, Experian was the only one that required payment to place the freeze, and they are now making it ridiculously difficult to lift that freeze, which is directly counter to all their advertisements. I am an intelligent, competent, computer-literate consumer. I find it ridiculous that this consumer-hostile, uncommunicative company can hold my personal financial information hostage. I assume this is a scam to convince me to create an account with their company. Such extortion is unnacceptable.

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 2020-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Veros Credit, LLC
State: OR

Complaint narrative:
VEROS CREDIT RAN MY CREDIT WITH OUT MY PERMISSION XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Phone : XXXX XXXX XXXX XXXX Can you please help me fix this issue thank you XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: IL

Complaint narrative:
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a credit card with chase bank and thought I was on a 3 month deferment program because right before I previously Was, it turns out I was on a 1 month. This is due to me losing my field of work in California due to COVID 19. So I received a notification from experience that I had a 30 day past due acct with chase. So I immediately tried to login to my app which usually has all my info, there was no acct info at all. So then I logged in on my computer, no acct info either. So I proceeded to contact chase bank and asked them why I wasnt notified of being late at all. I had no emails, paper mail or phone calls on a XXXX dollar acct. so they said that I was contacted under the number XXXX, which was my number 13 yrs ago when I banked with chase. I applied on had gotten this card a year and a half ago with the number XXXX. They proceeded to tell me even though they used a number thats 13 yrs old it was my responsibility to stay on top of my finances.even blink fitness calls me if Im a couple of days late. I havent been late on a payment in several years. Also because the acct is past due I cant defer the minimum payment which I need to do because I cant pay it right now. So all in all, I received no notifications from chase once so ever and cant even view acct info online or on my app which I was able to do a couple of months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/20 my credit cards were restricted. I called in on XX/XX/20 and spoke with employee named XXXX he advised to send in front and back copy of my authorized users ID and a copy of their social cards. XX/XX/20 I called back to confirm again what was needed with XXXX. I sent the docs in. XX/XX/20 employee XXXX called in while I was on a call and I told her I would call back nothing was discussed with her. I called back XX/XX/20 and spoke with XXXX which she advised all of my documents were verified and I only needed to resend my daughter Mi'Kala social security card. I resent that in. XX/XX/20 employee XXXX noted my account that XXXX XXXX social security card was received. I did not talk to her. XX/XX/20 I spoke with XXXX which he advised all docs were not received and I now I need to also send docs in for previous authorize users that I don't even have contact with he also verified that XXXX did note that all I needed to send was XXXX XXXX social security card but he claims she gave me inaccurate information. I requested a manager on XX/XX/20 and spoke with XXXX. I explained to her what XXXX advised me and why I can't sent the additional info in. She advised that she would figure out how she can help me and she would call me back but she never did. XXXX never called but she noted in the notes that all I needed to send in was XXXX XXXX Drivers license only which were sent in. XX/XX/20 XXXX only noted docs needed but did not specify what documents. I spoke with another supervisor on the executive response department in XXXX that gave me another list of documents that need to be sent in I explained why I couldn't send those docs and asked her to have someone over her to call me back but she never had anyone else call. XX/XX/20 I spoke with supervisor by the name of XXXX which she gave me a long list of documents that I needed to send in which many of the things she mentioned were already verified that they were received by other associates throughout this process. I'm beyond embarrassed but I explained to XXXX the authorized users that I can no longer get information for is my abusive ex husband and his family members. I can't believe Capital One would want me to open up that can of worms contacting him and his family and potentially get abused again. Every single time I spoke with someone they gave me different information than the person before them. I had 2 credit card accounts with Capital One so far they have closed one which has effected my credit score and the other one is still restricted. I have been cardholder for a very long time with this company and I have NEVER been late on either of the credit cards and normally I pay the entire balance off each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IN

Complaint narrative:
I am refinancing my home mortgage and experienced unfair business practices with my current mortgage servicing company - Arvest Central Mortgage Company ( " Arvest '' ) based in XXXX XXXX, Arkansas. 

Arvest received a wire payment ( ~ $ XXXX XXXX from the title company connected with the refinancing of my mortgage on XX/XX/2020 that covered the entire principal and accrued interest based on the amount Arvest provided in the payoff letter ; however, Arvest held the money and did not apply the payment to the loan. 

Arvest claims they have an internal policy to not apply loan payments if the escrow balance is negative. The escrow balance went negative in early XXXX but this was never communicated to the borrower. They do have the right to add to the debt balance with written notice but that was never provided. 

Instead of applying the payment received, Arvest continued to charge interest on the ~ $ XXXX outstanding principal for 5 additional days ( ~ {$140.00} ) until I would pay a new payoff amount ( {$200.00} additionally ) to cover the escrow shortage. 

XXXX XXXX as XXXX XXXX Specialist ( # XXXX ) and supervisor XXXX XXXX ( # XXXX ) as the Mortgage Servicing Supervisor both agreed this was unfair but were unable to credit the additional interest as they stated it was the internal policy of Arvest to not apply payments when a payoff was short due to an escrow shortfall. 

I find the lack of applying the payment when received to be an unfair business practice as they not only continued to charge interest to my account but also were able to earn interest on those funds that were held. 

We are being put in a negative position as the new loan will charge us interest at the time the funds were disbursed and result in being charged double interest for the 5 days Arvest refused to apply the wire payment to my loan. 

In order to get the existing loan released by Arvest, I paid the amount ( {$200.00} ) on XX/XX/2020 they demanded in order to release the loan and begin my new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I received a card in the mail from usbankreliacard. It was for unemployment and since I have applied for unemployment in XXXX, XXXX, and never received any funds, I thought it was finally here. So I activated the card but then noticed that it was for Ohio. I live in Michigan. After I did some searching, and spoke with Michigan unemployment office, I found that this may be fraudulent as this card is not from the unemployment office in Michigan, where I applied. 

I activated this card on the internet last night, XX/XX/XXXX. I can not recall what information I provided but am concerned. There is no money on the card and no money has been put on the card as of current date/time. 

The card is a debit VISA - card number : XXXX - expiration date - XX/XX/XXXX code on back is XXXX. 

Today, XX/XX/XXXX, I tried calling us bank relia card at XXXX 3 times. Twice was a busy ring and once, I received a message that said they were experiencing high call volumes. Due to this, I am not able to speak to anyone regarding this card. And I am not sure if this is a safe place to speak with either. 

I need this card canceled and a report to be filed as I am unsure what information they have about me. 

I can be reached at XXXX us bank relia card address : Cardholder services XXXX XXXX XXXX XXXX, IN 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 non-monetary relief
Consumer complaint received 2020-11-30 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: Credit Plus Inc
State: SC

Complaint narrative:
On XX/XX/, CREDIT PLUS add a hard inquiries on my credit reports per XX/XX/XXXX and XX/XX/XXXX 
On XX/XX/XXXXXXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX. 
On XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
Please laminate hard inquiry efforts, remove and notify all credit bureaus such as XX/XX/XXXXand XX/XX/XXXX to delete an account immediately. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
I have a dispute with my old cable company. They say I owe {$110.00} and I say I don't. They've turned it over to a collection agency, AmSher Collection Services, who has reported the alleged debt twice to XX/XX/XXXX, once on XXXX XXXX and once on XX/XX/2020. I called AmSher ( today- XXXX XXXX XXXX ) to ask them to remove one of the reportings and they told me that they wouldn't do it and that they can keep reporting the debt until it is resolved. Is that legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Hello, my name is XXXX XXXX and this will be my 3rd attempt trying to pull my credit report and my credit file from Equifax on XXXX. I have uploaded the last screenshot of my attempt. I have been reaching out to Equifax. I recently sent over an identity theft report as well have been trying to pull my credit report and they have yet to respond. They say reach out to them at the address but they are not responding to anything at this address within the 30 day time frame. I am reaching to get assistance for my credit report and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXXXX/XX/XXXX I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the wrong hands.

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 2020-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
last XX/XX/2020 i applied online CHECKING ACCOUNT in Citibank and they approved my application. then i setup my online access and passing al the verification after that i funded my account. XXXX DEPOSIT was made by on that date. the first DEPOSIT is thru my external Account the amount is XXXX the second is thru XXXX money transfer WITH transaction id number XXXX worth XXXX ; total {$3400.00}. i called them so many times but no update. i want my money back in my external Account that linked in my account in Citibank. 
DETAILS OF MY CITIBANK ACCOUNT INTEREST CHECKING NAME ON ACCOUNT : XXXX XXXX ACCOUNT NUMBER : 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 2020-11-30 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: OH

Complaint narrative:
I have a account listed on my credit report that is not accurate from OHIO DEPT OF HUMAN SERVICES # XXXX this account has never been verified and the balance reported is not accurate. This account I am disputing under 609, 623 FCRA. I have no documentation to show that it is even accurate. Please remove this account until I have a copy of the paperwork for my own personal review. I never received any response back for an account from XXXX XXXX XXXX # XXXX I have never ever done business with this company.

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 2020-11-30 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
OnXX/XX/XXXX, BB & T DEALER FINANCE add a hard inquiriy on my credit report per XX/XX/XXXX. 
OnXX/XX/XXXX add a hard inquiriy on my credit report perXX/XX/XXXX 
On XX/XX/XXXX - XXXX XXXX add a hard inquiriy on my credit report per XX/XX/XXXX 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2020 I received a call from phone number XXXX saying that there is an important letter from XXXX XXXX XXXX and I need to be home to accept the letter. I told them I am at work. So they gave me a reference # XXXX and asked me to call XXXX. 
When I called that number, they somehow had my SSN and said that I owed First USA bank about {$6000.00} and they are suing me for it. I told them I don't know anything about this. The he started threatening me that he will use my words against me and said " Good Luck getting sued ''. I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30 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: AL

Complaint narrative:
In XX/XX/2020, I filed a dispute with this credit bureau about the unverified account : XX/XX/XXXX XX/XX/XXXX account # XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days for request of a complete investigation. So now I'm contacting theCFPB to step in and help me get this issue resolved because I have not received a response from this bureau about this unverified collection accounts as of today. Thank you

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 2020-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one saying that I owed money from 2005

Company response to consumer: Closed with explanation