vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I created a checking and savings account online with funds deposited and was approved. Upon approval, I was advised I could make my account online while my card was sent. I received several transfers via XXXX on this account through my family and was unexpectedly advised my account was closed when I tried to activate the card sent. They never contacted me to identify any issues with creating the account and did not disclose it was closed. They did not either advise where my funds for the account were until I called which they advised would be sent via certified check within 10 to 15 business days. They did not offer any assistance or advise my account would be closed.

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 2022-04-15 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:
XXXX was opened by fraudsters using my personal data on XX/XX/2021 in the amount of {$16000.00}. 

I have tried several times to resolve this matter with the credit bureaus and the creditor itself. They XXXX XXXX XXXX XXXX XXXX and tell me to either speak to another company or to take other steps that have bene already provided. 

I have sent government documents from the Federal Trade Commission. No effort was conducting in removing the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
XX/XX/2022, I sent a letter to California Business Bureau to validate he debt that I allegedly owe. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. 

Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

California Business Bureau is not complying with their own policies in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
XXXX XXXX XXXX violated my rights on XX/XX/2022. 

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c

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 2022-04-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I have chase credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I opened a credit card with Capital One in the fall of XXXX. Months later I called customer service and the automted system asked me which credit card I was calling in reference to. I asked the CSR why there was another credit card on file with my information. Someone in XXXX XXXX, Utah opened a credit card without my knowlege or consent and is fradulently using all my personally identifiable information. The card was opened XX/XX/XXXX with a {$700.00} credit limit. I asked Capital One to send me the statements and a copy of the signed application because I've been experienceing identity theft since XXXX and need evidence to file police reports. I wrote a letter to Capital One and never got any response. I called again today XX/XX/XXXX and was kept on the phone for 1 1/2 hrs while the CSR 's found reasons why they couldn't provide me with the documentation detailing the theft. I spoke with three CSR 's and each put me on hold, then returned explaining that the account was closed and there was no wrong doing found and that I needed to write another letter to get the account specifics. The card that was opened fradulently with my information is a Capital One credit card ending in XXXX. The person overcharged the card but eventually it was payed off and closed. Since XXXX I have experienced identity theft due to the fact that my information has been circulated by criminals for 14 years. I am writing this complaint to hopefully get the documentation needed from Capital One in order to file police reports and show identity theft. SInce XXXX I've recieved W2 's from jobs I haven't worked at. I get auto insurance quotes for vehicles I don't have that were financed with my PII, and bogus collection accounts on my credit reports put there by people who hope I'll just pay without verifying the legitimacy of the fake business name. I'm writing to ask for assistance in getting the fradulent credit card paper work from Capital One to prove this has been happening for years and I'm concerned that something more serious might happen that could be more damaging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: LA

Complaint narrative:
credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: LA

Complaint narrative:
credit companies are not complying with their own policies in a timely manner.

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 2022-04-15 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: WA

Complaint narrative:
I recently filed a complaint with chase bank regarding multiple charge that I did not authorize with two different companies, the amounts were For XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. I didnt notice that if I was missing my card or not during those times. Since I dont have it in my hand at all times, but that I didnt authorize or make these charges or authorize anyone else to make them either. The bank filed the charge, a few days later provided a provisional credit, and then I didnt hear anything about this claim until I logged into my account and noticed that the provisional credits had been reversed. I tried calling the company 2 times on XX/XX/XXXX spoke with one person who told me that they contacted the merchant and that the merchant said the card was used in the store and that they decided to then deny the claim. When I tried to get more information or options to go forward since I never made those charges and dont want to be liable for them, they stated there wasnt any that unless I had proof of anything then this was the end. But how am I supposed to have proof of something I didnt do or authorize? I asked to speak with a supervisor which they refused multiple times before finally putting me on hold to transfer me, I then sat on hold for about 30 mins only to have the call disconnected. I tried calling back again and spoke with a different person who did and said the exact same things then transferred me only to again sit on hold and have the call disconnected about 30 mins later.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hello, I have ShellPoint Mortgage. I was transferred to them in XXXX and was on AutroPay. After being transferred I established a new autopay with them. In XX/XX/XXXX, Shellpoint did not deduct the autopay. I was late on my mortgage. Per RESPA Section 6, a mortgage servicer needs to make live contact with a customer within 10 days of being late. Shellpoint never called, never sent a letter, never emailed me ever, after being late. Only after almost 60 days they emailed me saying I would be 60 days late if I didn't make my next payment. This is a RESPA violation. 

I have tried to work with them in XXXX and they sent me 2 letters stating they do not do customers 'any favors '. I want this late removed from my credit due to ShellPoint not following Federal mortgage servicing rules, and after not establishing a new autopay account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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 Reporting act XXXX  Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section

602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : I
t also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX  XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2022-04-15 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: FL

Complaint narrative:
In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXXt Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX**** XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act Convergent Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Reporting act XXXX Account # XXXX XXXX  XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: VA

Complaint narrative:
I had repaid XXXX University to a amount agreed by the school and myself. I made payment in full back in the early 2010. The accounts were closed and reported as paid as agreed to the credit bureaus. However, XXXX University has now filed both on my credit report as well as the US DEPT OF EDUCATION ESC as the account is opened with a new balance of {$4000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This erroneous and fraudulent information is effecting both my job and career as keeping my XXXX clearance is needed for my position.

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 2022-04-15 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: CA

Complaint narrative:
Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.

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 2022-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I have XXXX credit card that I opened long time ago. At the time I had very hard situation to pay credit card on time and minimum due. This still shows on the record of my credit score and it is effecting alot. I want it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 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: CA

Complaint narrative:
XXXX was fraudulently opened under my name using my personal records and information to obtain a credit card. THIS IS UNAUTHORIZED. There was a fraudulent charge or {$21000.00} and the account was opened on XX/XX/202. 

I have made several tried to find a solution with the bureau and the creditor. However, I have come to a dead end. Hence why I'm reaching out to the CFPB for help. I have also filed a claim with the FTC.

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 2022-04-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank issued me a low balance credit card for Torrid, which is fine because it's easier to use/pay/repeat. Comenity bank recently updated my available credit after payments, and would not allow me to use the available credit. First telling me I was late until I pointed out that I don't carry a balance as I pay each pur have when it's available to do so. All the reps and the supervisor would do is quote a non public policy of having to wait 10 days between making a payment before the card can be used. I read the t & c which don't state anything about this, I even read through them again while I was on the phone in case they were updated. Comenity couldn't tell me where to find this information publicly either. I also pointed out I have used the card, paid it, and used it again once the balance updated. All they would do is quote a policy I am unable to view publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
During XXXX and XXXX, I entered forbearance plan with XXXX XXXX XXXX. However, during this period, my XXXX XXXX XXXX still reported to Credit Bureau as late payment for 17 months. 

I have tried to resolve this issue with XXXX XXXXXXXX XXXX since XX/XX/XXXX. However, the mortgage lender has been refused to adjust my credit report. 

Please help! 

Thanks,

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 2022-04-15 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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