vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm dealing with a really tough situation that I want to explain in simple terms. 

First, I tried to open business accounts at different banks, but they all said no. They told me it's because of something called XXXX. This was a sign that something was wrong. 

Then, I applied for an account with XXXX XXXX XXXX XXXX. But here 's the problem : they never got back to me about my application. After waiting for a whole month, I decided to call them. They told me I already had an account with them. I told them I didn't make that account, but they didn't believe me. Now, it's been about two months, and they still haven't fixed it. They're saying it's a case of fraud, and I have to deal with a special process to sort it out. 

I checked my XXXX reports to learn more. It was frustrating to see that there were 3 or 4 different names listed, and they weren't spelled like my name at all. Some even seemed like girl names. Also, there were addresses I've never lived at, but they seemed to have a connection to my last name. 

I tried to fix this mess. I asked them to take out the wrong names and addresses from my records. I also made sure to lock my records so that no one else can mess with them. But now, I'm seeing more banks on my records that are close to where I live. I've never done any business with them, but they're saying things about me that aren't true. 

I reported the identity theft to the right people, and I even have a paper that proves it. But even after all that, I checked my credit report and saw things that didn't make sense. There were things listed that I didn't recognize, like addresses I've never been to. 

What's making me even more worried is that I'm seeing hard inquiries from places like XXXX 's, XXXX XXXX, XXXX, and XXXX XXXXXXXX XXXX. But I never asked these places for anything. It's making me anxious because it feels like someone is pretending to be me. 

So, I'm writing this letter to ask everyone who has the wrong info about me to fix it. I just want them to take off the things that aren't true. This whole situation is really tough for me, and I hope they can help me make it right. Thanks for listening.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I received funding to bring my loan current under a reinstatement agreement through the Equitable Retention Mortgage Assistance Program and a grant for {$95000.00} from the Homeowner Assistance Fund program, PHH received these payments from these programs on XX/XX/23. I have contacted my servicer weekly to ensure these funds were applied appropriately and they have not done so. As of XX/XX/23, PNC has not applied the funds appropriately. Further, they have threatened foreclosure action. They have been causing me difficulty for years as in not processing my payments correctly which has caused me a great deal of stress. I want something to be done to ensure this does not happen again to myself or to anyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have moved from the USA to XXXX  in XX/XX/XXXX but did not close the personal account held with Bank of America as my employer had plans of sending me back in couple of years. All was going well so far. 
During first week of XX/XX/XXXX, I updated my mailing address to my current address in XXXX  and received a renewed credit card from the Bank. A week later I tried to update my primary address after logging into my bank mobile app and which I was able to do successfully but moments later my account got locked and I was unable to login as system suspected that it may be a fraudulent activity. 
Called the Fraud department of the bank on XXXX XX/XX/XXXX and I was asked to provide a phone number from the States to verify my identity by sending code. As I am no longer using any number from the States so that option failed, next thing I was told that a reference code will be sent to my address after receiving which I need to call back. 
On XXXX XX/XX/XXXX, spoke to a representative over phone from fraud department but the person did not share any information whatsoever about the address where I am supposed to receive the reference code. Again, on XXXX XX/XX/XXXX, spoke to one more representative over phone but this time I was informed that it is the primary address in the USA where the reference code was sent on XXXX XX/XX/XXXX. Having informed that I no longer live there as it was a rented apartment, so requested to resend the code to the mailing address updated with the bank but the request was denied, and the representative repeatedly told me during our conversation that I need to visit the nearest Bank of America branch with 2 proof of identity to get the account unlocked. I made my situation known that I can not travel back to the States as I no longer hold a valid visa. But all I get in reply is, it is the ONLY option available to me to get help. I am in need of the funds but can not do anything to get the issue resolved while I am in XXXX. Please advise and help!!!

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I need negative hits on my credit to be resolved by the company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with wells fargo and on XX/XX/2023 i reported a fraud claim to wells fargo of a sum of {$4100.00} and they informed me they would be looking into it and told me itll take 10 buisness days or less to resolve the issue. I receive a letter by wells fargo informing me that these transactions were authorized by me and my claim has been closed. These transactions were not authorized by me and wells fargo has made it very clear they dont have any interest in reimbursement.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XXXX of XXXX  a Company by the name of Solar Mosaic inc sent out a salesman to my home. I initially accepted the offer, but cancelled it within the 3days that youre allowed. I provided all the necessary information to the company & thought it was resolved. 2 months later it has shown up on my credit. This shouldnt have never happens due to the cancellation process I followed according to their policies. I have spoke with them several times, and the have stated that this has been resolved on their end. I would like this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have applied for scra benifits with the key provision of the state of Ohio which extends scra benifits to debt acquired during XXXX XXXX service. This caps all interest to 6 % and all over paid interest and fee shall be refunded retroactively. I was told that because my account was opened after enlisting that I do not qualify for scra. But with my home of record being ohio I qualify for the key provisions of scra for the state of Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX XX/XX/2023 cash advances against credit cards 3 devices 2 credit card and 1 cash reserve to bank account for a total of XXXX dollars. Contacted bank card fraud on XX/XX/2023 that I did not make these advances and they rejected my claim on XX/XX/2023. The credit card advances were XXXX and XXXX and the reserve trans action were charge of XXXX and XXXX plus additional fees and interest I closed the accounts and opened new accounts.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I attempted to make a purchase on XXXX. On the XXXX of XXXXThe payment was denied. 

As a result, I called " CHASE United mileage plus select '' VISA. 
I was told my account was locked. I asked them why and they said they would send a code to my phone. I gave them the number and they said they could not send a code to a number in XXXX. ( I have lived here for 12 years and they were aware of it. ) They said I should call the security center, and they could send me an email with the code. I called the " security '' department and explained what happened. They said they were unable to send a code to my email. After some time, they said they could ask me some personal questions and if I was able to answer correctly they would proceed with unlocking my account. 
After they asked me the questions, of which I only recognized one, I was told I had failed the questions. 

They told me they would forward my issue to a higher department and I would recieve a " CALL '' within the next 48 hours and to keep my line open! Remember, they told me they could " not call my number in XXXX! '' I would just get another credit card in the U.S, but I currently do not have a U.S. address. I got the VISA when I lived in the U.S. 

I have other issues with this card, but I will address them on future emails to you. At present I just need to have my card unlocked. 

Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
I paid the balance due on my credit card, by the due date and I was charged interest. I called the credit card company and spoke to customer service supervisor XXXX. She refused to give me any additional information to identify herself. She explained that they employ a very tricky/confusing method of charging interest that is hidden in some small print in their terms. I typically pay off my balance every month, so I had no idea that they not only will charge interest on the balance carried over from the previous month, but then they also will begin charging daily interest on your purchases that month as well. If I would have known this, I would have immediately paid off my balance, but since the statement gave me an amount and a due date of the XXXX, thats when I paid off the balance. Since there was this confusion and I was not notified of a change in how they were calculating my interest charges, I requested a one time waiver of the interest charges and Chase refused.

Company response to consumer: Closed with explanation