vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-19 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 recently filed a report with XXXX XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) as well as 15 US Code 1666 the former was reporting inquiries without my permission and the latter was truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: AZ

Complaint narrative:
I would also like to bring to your attention the, for lack of better words corrected kindergartener 's homework of a assignment of mortgage ( see attached ). To say the least this legal document filed with the County of XXXX of Arizona is BEYOND questionable. 

I do not know a XXXX XXXX, the date of the loan is incorrect, the amount of the loan is incorrect, the state and county are incorrect. Yet my information appears in much smaller font below ... ... honestly, is this a joke? Did Statebridge Company LLC ever have the legal right to own/service my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 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: FL

Complaint narrative:
Capital One has sent me personalized pre-approval offers for credit cards. A few times they have denied me after pulling my score. Now for the biggest issue, twice they approved me after pulling my score, but before I even received the credit card they close my account. I have spend hours on the phone to then not get any help nor answers. I plan to check with a few lawyers and family lawyers to see if suing is a option because Capital One continues to mess up my credit which is hindering my ability to apply for other things. 

Second Time Break Down : - XX/XX/2021 - Received personalized offer - XX/XX/XXXX or XX/XX/2021 - Applied - XX/XX/2021 - Approved ( after sending requested documents ) - XX/XX/2021 - Card shipped with estimated delivery or XX/XX/XXXX & XXXX - XX/XX/2021 - Still no card and account closed Thus, leaving me without a card that was to be used for a bill, another new inquiry, a low credit score and two missed opportunities because I went with their Pre-approval. 


*Updated - while typing this and on hold, I was basically told I was banned from their Credit card products, but still don't know why. Before the rep said that he asked if ive ever gotten into a argument with a rep in the past. 

No matter what, if you block or deny business with someone ( FYI i still have bank accounts with Capital One ) don't send them PERSONALIZED ( My Name and other information ) Pre-approval/ Pre-qualify for that same exact product. Especially if it can mess up their credit and personal life. 

My advice, stay away from Capital One. Too many issues and when you call in you get the run around and manager ( some ) that feel they can talk to you like a child while being disrespectful. I will be closing all accounts and doing my best to sue Capital One for messing over my credit scores 6 times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Just over a year ago my wife and I applied for a secured credit card with TD bank after having our bankruptcy discharged the previous year. We were told that it would take about 6-7 months and they would upgrade us to a regular card. We had to put some money into a savings account that would not be accessible. We each put {$1000.00}. It's been more than a year and we asked the bank to let us know why we are not getting upgraded and to give us a date. They have not provided us with that info. We have paid our balances always on time and pretty much in full. Our credit scores are in XXXX-XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: NV

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: CO

Complaint narrative:
I submitted a dispute for a 30 day late payment that was inaccurate from XXXX and the 3 credit bureaus. This bank failed to send me billing statements from XX/XX/2021 to XX/XX/2021 even after I canceled the elections statement XXXX from the Branch mananger talked to me and assured me i would get my statements watch did not happen. I received a call saying my payment did not go through due to an error from on their website for XX/XX/2021, I was told because of their error i would not get a late payment or a late free. I have never had a late payment with this bank and had perfect history. Once again I did not receive a billing statement on XXXX or XXXX so I call in and paid off the whole balance because they keep having issues with sending me billing statement and issue with their website. I was applying for a Loan In XXXX and was information they put a late payment on me when it was their error they did not comply with FTCTA Act where they are required to notify me the insertion of a negative listing .They did no such thing. ( FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described In section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) ( I ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative Information to a consumer reporting agency described In section 603 ( p ).

( II ) Coordination with new account disclosures. If the notice Is provided to the customer prior to furn I sh Ing the negative Information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth In Lending Act. The Bank did no such thing. I also have not head back from dispute from XXXX and ignoring my dispute all documents enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted F.T.C identity theft report, with a copy of my identification to Experian. Experian states that they could not block the account which is due to identity Theft. 

XXXX XXXX XXXX mailed a letter without debt validation and states that the account was open more than seven years Experian does not want to remove it even though it is more than seven years old

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: OH

Complaint narrative:
My complaint involves Key Bank 's refusal to reverse two ACH transactions that I immediately reported as fraud. On XX/XX/2021, I was defrauded via a telephone call that purported to be from my electric utility company, XXXX XXXX, Ohio. The caller ID indicated XXXX XXXX. A gentleman told me that I was on a disconnection list for that day for an outstanding balance. I questioned him because I had just received a bill and it was not yet due ( and there was no outstanding balance ). The man gave me his " badge number '' and said it looked like the outstanding balance was from an old account. Coincidentally, about 2 months prior, I paid an outstanding balance from a very old account, so the explanation sounded somewhat legitimate. He told me that in order to avoid disconnection, I had to submit a XXXX payment. I actually said " How do I know you're not scamming me '' to which he replied " We are not asking for your credit card number ''. He also let me speak to his supervisor, who was equally as polished and convincing. So, I made a XXXX payment in the amount of {$280.00}. I then received a call from the supervisor who indicated that the prior rep charged me incorrectly, so they reversed the XXXX payment. He asked me to do a second payment in the amount of {$210.00}. So, I made the payment. I then realized it was fraud and challenged the guy. He hung up. I immediately called Key Bank, told them what happened, and requested that they reverse the ACH transactions. They refused to do so. It happens that I am an XXXX XXXX XXXX XXXX, so I am aware that the Bank could have reversed the ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB XX/XX/XXXX I sent a Notice of Adequate Assurance of Due Performance, Personal Affidavit, Bank Affidavit. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Default and Opportunity to Cure. I received a templated response. 

XX/XX/XXXX I sent a notice of pending litigation. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Verification of Debt Letter. I received a bill and a templated response. 

XX/XX/XXXX I sent a Notice of Pending Litigation. I received a bill that was said to validate NOT VERIFY the debt. 

XX/XX/XXXX I sent a request for a Method of Verification. I received a bill and a templated response. 

The inaccuracies are as follows : JPMCB The reporting across all the agencies is inconsistent. 
The charge-off date has been reported month over month which has left an inaccurate Date of Last Activity. 
Payment history is inconsistent and inaccurate. 
Not verified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Police reports and FTC report already submitted listing the original creditor , company claimed law enforcement agency reports were not valid unless the collections agency was listed as a separate entry. District Attorney & personal counsel have advised that the companies claim is false, my documentation of ID Theft & fraudulent charges is correct and valid, thus advised to resubmit.

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 2021-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX and XXXX, these charges were made to my Wells Fargo checking account : XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX NO NAME {$810.00} XX/XX/21 XXXX XXXX XXXX TRANSFER XXXX XXXX {$25.00} XX/XX/21 XXXX XXXX PHONE PYMT XXXX XXXX XXXX XXXX XXXX {$220.00} I did not authorized any of these charges. 
I could not find a number for XXXX XXXX XXXX  to initiate a complain. 
I called XXXX and they are investigating this with my bank. 
I wasn't able to reach XXXX XXXX. 

The XXXX transaction shows up under the category 'phone/internet ' in my wells fargo account. 
The XXXX XXXX shows up as under 'XXXX/XXXX XXXX ' and the XXXX  XXXX shows up under as 'Other Debt Payments ' I called Wells Fargo and they have closed the checking account and are investigating these transactions.

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 2021-08-19 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

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 2021-08-19 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: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
On XX/XX/2021 I was sending money via WesternUnion mobile app. 
The application timed out and the transaction was never processed. I re-processed the transaction which gave me a confirmation. Upon checking my account I realized I was charged twice for the transaction in the amount of {$1000.00} through WellsFargo whom I bank I was also had overdraft fees. I contacted WesternUnion whom stated they only saw one confirmed transaction. I so I then contacted my bank who reversed the overdraft fees and credited my account the {$1000.00} Flashforward to today on my account with Wellsfargo I have a posted transaction for {$1000.00}. I contacted XXXX again they said WesternUnion won the dispute and they can no longer help me. I was charged twice for the transaction only one was comleted I have statments reflecting both charges the credit and new charge. On my history with the WesternUnion app I show only one transaction for the {$1000.00} on XX/XX/2021. 
What can I do at this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote TransUnion on XX/XX/2021. I sent my disputes certified mail. This company has not responded in the past 30 days.

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 2021-08-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation