vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-19 00:00:00
Product: Credit reporting, credit repair services, 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: BetterNOI, LLC
State: MI

Complaint narrative:
On or around XXXX XXXX I filed CFPB complaint XXXX. In it I outlined how I was subjected disparate treatment and housing discrimination as a result of BetterNOIs decision engine which management companies/landlords use to approve or deny an applicant for an apartment. BetterNOI responded shortly thereafter claiming the issue did not belong them, despite it being BetterNOI proprietary algorthms that tell management companies/landlords whether or not to approve an applicant as a renter. The original complaint is attached, as is a copy of the complaint I have just filed with DOJ for XXXX and XXXX  discrimination.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2023-05-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
Cardinal Financial has been trying to collect a debt not owed. My current mortgage was aquired by XXXX XXXX. on XX/XX/2023. This was confirmed by XXXX XXXX  on XXXX. 

I wrote an email to Cardinal Financial letting them know that I dont have an active account with them and to stop the collection calls ( which they never stopped ) XX/XX/2023 I received mail dated XX/XX/2023 that I owe mortgage payments for XXXX and XX/XX/2023, which again, I do not have an active account with them Also, I received mail stating they will share my personal information. ( which I do NOT give consent )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: CA

Complaint narrative:
I saw an ad on XXXX about a scooter from XXXX for {$69.00}. 
Thinking this was a great deal, I immediately purchased using my Capital One Walmart rewards credit card. I happened to be texting a friend after making the purchase, informing her that I felt unsure about the purchase, because companies usually send confirmation, but I had not received email confirmation. I proceeded to lock my card, with the expectation that the credit card company would contact me prior to allowing the transaction. She reviewed the information and took some screenshots, showing that the company had no affiliation with XXXX and the numerous complaints reporting the business, XXXX was a scam. I repeatedly checked to see if the purchase showed on my credit card charges and finally, the next day after locking my card, the charges showed. I immediately contacted capital one and tried to resolve the issue. They said that since the purchase was still pending, I would have to wait XXXX business days for the charge to show at which point I could call back to dispute it. 
My issue is that the charges did not show until after I locked the card. The purchase was made the night of XX/XX/2023 after which I had locked the card and the pending charge was placed on XXXX The company acknowledged that I locked the card, however, they refuse to remove the charge even after the lock was put in place. I received no call questioning why the card was locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX & XXXX XXXX Type of Business : Unknown Date of Inquiry : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Type of Business : Unknown Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Asked Chase to fill out a XXXX form from the treasury, They closed my bank account. 
Then when I fought against it they said : The Deposit Account Agreement ( DAA ) allows us to close an account other than a CD at any time, for any reason or no reason, and without prior notice.

What I say that is : # 1 Please return me my WET ink contract with you # 2 I have never heard of DDA? first I've ever hear of, I'm sure its some inhouse Chase talk, because I know nothing about it.

# 3. I enter a complaint on XX/XX/23 issue they respond with a XX/XX/23 response ( not relevant to this particular case DO NOT mix the two ) # 4. We will Clearly stay on the XX/XX/23, when you closed my account for asking for a medallion stamp? 
# 5. Now either you are misrepresenting yourself as a security transferring agent or the Treasury is?

# 6. we already know Chase is representing itself as a FDIC when it is clear Non FDIC insured.

# 7. These people are so inhumane. I have not spoken to a human person about this matter yet.

# 8. Who does it help to treat customers in a mean an inhumane manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I no long can afford the vehicle I offered many times to give it back due to me being in a car accident 2021 where the car was totaled

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 2023-05-19 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: NY

Complaint narrative:
my credit looks bad because inaccurate account on my report being reported and inaccurate information on me needs to removed asap!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.

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 2023-05-19 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: TN

Complaint narrative:
Equifax Information Services LLC is furnishing an account on my consumer report that is unfair, inaccurate and fraudulent. Due to this inaccuracy my right to extend credit was damaged to a great extent this has caused my family harm. I submitted a certified letter to this organization on XX/XX/XXXX and requested evidence that this item has been properly investigated. The company never complied and is still furnishing this unfair information on my consumer report. This is a clear violation on 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This company has violated my right to privacy. This company has failed to provide me with my ( investigative consumer report ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ). I just want to be treated fairly and this company has violated my rights. This company is ruining my reputation with lenders and my livelihood has been adversely affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I worked with Wells Fargo to obtain a jumbo non conforming mortgage for my new house at XXXX XXXX XXXX, XXXX XXXX NJ XXXX. I was told if I brought over assets in excess of {>= $1,000,000} I would receive a 0.50 % discount on my rate. I repeatedly asked if it was ok to use part of this as the down payment and was told that I would receive the full bonus as long as I moved the money first which I did. However, at closing I was told that I was only eligible for a 0.375 % discount on my mortgage rate even though I moved over in excess of {>= $1,000,000}. The whole process was misleading and inaccurate and I would have left my money elsewhere instead of taking the time and effort to consolidate multiple accounts to get over the {>= $1,000,000} mark and receive the full 0.50 % relationship discount.

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 2023-05-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second request to delete my fraud alerts and extended fraud alerts XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX - Acct # XXXX XXXX XXXX XXXX - Acct XXXX XXXX XXXX XXXXXXXX XXXX - Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX The XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX - Acct XXXX XXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No Consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.

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 2023-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX 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 2023-05-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2023-05-19 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX I was contacted by a phone number that appeared on my caller ID as CHASE. There was a woman on the other end of the call that stated she was calling on behalf of Chase because there was fraudulent activity on my account and they wanted to verify if it was me. I told her no it was not me, and she informed me that in order for them to issue me a new card they would text me a verification code to verify my identity and once they got that code I would get a new card. I did not know by giving this person this code would grant them access to my account. Once the thieves got the code they conducted ( 30 ) {$100.00} withdrawals from my account which totaled {$3000.00}. Once I caught this I called Chase immediately and turned off my card, and locked all of my accounts down. I have been calling into Chase fraud department almost everyday and even went into the branch to give them a copy of my police report, then today I found out that they denied my claim and stated they felt it was me that did the transactions. When I called the fraud department they told me that due to the proximity to my home and that no other devices were registered to my account it had to be me. I told the agent that I had received an email from Chase the day this happened and it stated that my card had. been added to someone's XXXX so I was not sure how they were saying that the card was not connected to anyone else 's phone, when I had the email that stated otherwise. I also told them that no one ever even bothered to call me to see what happened so I was not sure how they could come to a conclusion about something with no facts. This person too {$100.00} out of my account 30 differenet times, back to back and that is not normal behavior. Had I needed that amount of money I would have went directly to the bank, which is not far from the location this happened at, actually about 3 blocks away. So why would I bypass Chase to go to a XXXX to withdraw cash and do it in small increments if it was actually me. That screams FRAUD. I am not even sure how Chase did not stop the withdrawal after the 3rd attempt to withdraw cash. I have told all of the Chase agents that I have not authorized any of these transactions, I would encourage them to look at any video footage from the camera or trace the IP address of the phone to see that it was in fact not me. I have been a. customer with Chase for almost 20 years and have never had anything like this happen to any of my accounts, this would require a simple common sense objective to analyze to see this is FRAUD. 

I have attached a copy of my bank account that shows all 30 transactions coming out of my account. I also have a police report that I am happy to provide privately.

Company response to consumer: Closed with explanation