vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-04 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft JPMCB CARD Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft JPMCB CARD Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: NC

Complaint narrative:
Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: RAB PERFORMANCE RECOVERIES, LLC
State: NY

Complaint narrative:
On XX/XX/21 RAB performance had XXXX XXXX XXXX place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
The company did not provide all of my mortgage statements from my last complaint # XXXX. I made payments to Selene Finance as far back as XX/XX/XXXX to the present XX/XX/XXXX. I would like all of my mortgage statements sent to me. We never received one statement. Our XXXX requested multiple times by voice and email that the statements be sent to my home address. I would like all statements sent to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Westlake Services, LLC
State: CA

Complaint narrative:
West Lake Services is reporting a debt on my credit file that is no longer owed. I recently took a look at my credit and noticed this debt is reporting on my file. I am aware that this debt is past the statute of limitations in California. Not only that but this debt is past the credit reporting limit and continuing to report this is a violation under the FCRA and the FDCPA.

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 2021-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from Citi ( Costco Card ) dated XXXX XXXX advising me, my Costco Anywhere Visa would soon expire, but due to a bankruptcy or a charge-off on another card they would not be renewing my card. I have never been delinquent on any credit card, or loan that I have opened.

Since I have owned this card, this has been a yearly issue. I have to contact Citi yearly and have them re-issue my Costco Anywhere Visa card. In addition, I have demanded that if there is an outstanding account, that they provide me with said information, but they have never been able to provide me with any such account. I have also reviewed my credit reports and have found no such account. 

Today, I spoke to XXXX XXXX Grp # XXXX ), an Escalation Mgr. at Citi who was also unable to resolve my issue, but provided me with the address to the Executive Response Unit which I also plan on engaging.

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 2021-06-04 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:
There is one account on my credit report that does not belong to me through TransUnion and there are a few inquiries that are not mine on XXXX  and TransUnion I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020

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 2021-06-04 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/VICSCRT Account Number : XXXX This is not mine. 

3. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal has a service called PayPal Key, which acts as a virtual card that generates a unique number and allows you to charge underlying cards you attach. This provided an easy way to manage multiple credit cards, as I can switch the underlying card easily and only need to remember and use one number rather than multiple. PayPal acts as an intermediary and charges my credit card, then facilitates the payment to the merchant. 

Sometime on or around XX/XX/2021 my PayPal account was permanently restricted. Prior to this date, I had a transaction on XX/XX/2021 using my underlying credit card through PayPal Key for {$660.00} transaction ID : XXXX Because my PayPal account was limited, I am unable to receive a refund for this flight from the merchant. This was a personal flight booked in my own name that the airline js refunding me for. However, that can not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
Under the Fair Credit Reporting act, 15 USC 1681, I have the right to consent to or decline the information reported on my credit report and my right has been violated. There are derogatory items as well as inquires that I do not recognize.

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 2021-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
On XX/XX/21 XXXX  XXXX  had Malen & Associates place a hold on my bank account for a credit card i never had. And the so called debt is over 10 years old. Also when i contacted both agencies they gave me the run around. I need XXXX badly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
Equifax, XXXX, and XXXX is wrongly reporting my XXXX XXXX XXXX  card balance. I do not carry a balance on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is inaccurately reporting the balance on my Capital One Spark card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have not used my Robinhood investing account in a while. I open it up today, XX/XX/XXXX, to see that they have somehow given me a negative investing balance. There is no statement of the charge or explanation of where it came from, just says I owe them XXXX cents. I tried to close my account, but they will not let me unless I resolve the balance ( see attached screenshot ). 

This balance is fraudulent and I have no responsibility to pay it. Robinhood refuses to close the account unless I do. 

I suspect Robinhood is doing this on purpose so that they can keep accounts open. There has never been any fees and I did not agree to any, furthermore there are no fees or transactions listed in my statements, they literally just made up that I owe them XXXX cents. See the attached screenshot of my investing balance. I do not own any stocks, yet it is reporting a XXXX cent loss. How many others have they scammed this way by taking money off the top without anyone knowing?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX my home was foreclosed on by XXXX XXXX XXXX. This company has been reporting that I am past due on my mortgage instead of reporting that it was foreclosed on in XXXX. I contacted the company to resolve the issue and I was told to file a dispute with the credit reporting agencies. So I filed a dispute with Experian on XX/XX/XXXX, but I was told I need to contact XXXX XXXX  to have them send in the correct information. So again I contacted XXXX XXXX  and asked them to submit the correct information but I was told it's the responsibility of Experian. 

I am embarrassed that my home was foreclosed on even tho it was due to me being ill and in the hospital for almost a year and therefore my pay was deducted by half which resulted in me defaulting my mortgage loan and losing my home. However I'm trying my best to move forward but I can't with XXXX  XXXX refusing to report the correct information. 

I filed a complaint with XXXX XXXX XXXX and I'm still waiting for them to comply with the simple request to correct what they are reporting.

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 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: OR

Complaint narrative:
My account was hacked they informed me today. They keep deleting my password for account access. I just want charges reversed and my money mailed to me. 
I have called and waited on hold hours numerous hours actually numerous times with no pick up on their end. For a bank to not answer their phones and leave people for hours on hold and then to aggravate it not answer calls for hours when it rings its just criminal what theyre pulling in this bank needs to be reprimanded at best. 
Colorado Bank of the West is worst bank Ever They took my social security check to cover a hackers accessing and spending my money from XXXX ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
This XXXX XXXX account is reporting incorrectly. I have disputed several times, always comes back as updated. 

Date of last payment states XX/XX/XXXX as {$0.00}. 
It also states as XX/XX/XXXX {$100.00} paid on time. ( which I have a bank statement confirming ) On XX/XX/XXXX, I also made an on time payment of {$73.00}, which I also have a bank statement to confirm. 

Not sure how this keeps coming back to me as updated and verified when I have proof of payments made on this account. 

I will be enclosing a copy of the credit report supplied by Equifax on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford is reporting erroneously on my credit and it must be fixed. I recently noticed that ford is reporting an account I have with them saying I am making a $ 400+ payment to them every month. This is wildly inaccurate as I am no longer making any payments with Ford. They sent my account to collections and I have been paying them about {$150.00} a month. However, Ford continues to report this debt as if I make monthly payments to them and this is really affecting my debt to income ratio to be able to buy a home. This is completely untrue and invalid. Unless they can validate that I make $ 400+ payments this needs to be removed. Reporting invalidated debt is a violation under the FCRA and the FDCPA and if not fixed, this can constitute fraud under both federal and state laws. This needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AR

Complaint narrative:
I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: AR

Complaint narrative:
I itinually contact XXXX XXXX XXXX regarding the account, the account is closed and was removed from credit report, in XX/XX/XXXX only to reappear on XX/XX/XXXX status, closed but account is reporting charge off, collection or derogatory account status on credit reports, and reporting late payment, causing hardship, effecting my credit score. I filed an FTC Report # XXXX disputing XXXX XXXX XXXX account that was fraudulently open in my name XXXX XXXX, I contacted XXXX told them once I discovered the account, in a attempted to resolve the issue, this account is fraud and should be removed from all credit reports. I also called and sent letters, file complaints about address, incorrect names and inquires which are not mine, only to get little to no results of removal from credit report.

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 2021-06-04 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: CA

Complaint narrative:
I have talked to multiple Equifax Representatives, also sent letters in XXXX, XXXX, and XXXX to dispute the unauthorized inquiries on my credit report and then I was told that they were factual. I then asked for proof and verification steps they took to verify and no proof was ever sent to me. I also contacted the inquiry companies and they said they were unable to find the inquiries with the information I provided. This is super frustrating and damaging to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: TX

Complaint narrative:
XXXX, Experian, and XXXX is wrongly reporting my XXXX XXXX Spark card balance. I do not carry a balance on this card.

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 2021-06-04 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:
There is one account on my credit report that does not belong to me through XXXX  and there are a few inquiries that are not mine on Experian and XXXX  I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020

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 2021-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I made a grave error. I applied for a checking account with HSBC. HSBC approved the account. Later they decided to make the account for closure. This is their right. Although they did not tell me why. Nevertheless they are holding my money. It is illegal for them to do this. There was no fraud, nothing. I went to the branch, tried to call them on the phone and all HSBC tells me is that another department is looking handling the account. I get the run around meanwhile they are holding my XXXX. I do not understand why. 
This jas been going on since the beginning of XXXX and it is not XXXX. All Custer service does is tell me another department is handling it Worst is I was told that the department handling it can't take calls, has no phones, does not deal with customers. 

This should not be allowed. 

The customer service is the absolute worst I ever seen at a bank. The worst

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04 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: CA

Complaint narrative:
I have sent 5 letters to XXXX  and equifax regarding my credit report the inquiary that are on them and also the the fraud alert i ask equuifax, XXXX  to take the alert from my credit report and the alert is still showing on my report and i go threw way to much to talk to and customer service rep please help

Company response to consumer: Closed with explanation