vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XXXX : My father authorized his unemployment benefits back pay check in the amount of {$18000.00} to be direct deposited into my Capital One bank account. It was deposited in my account after which I withdrew {$4000.00}. 
XXXX : All of my Capital One bank accounts were frozen. I contacted the bank and they informed that my account is now permanently closed and I owe them {$4000.00}. I also provided the representative with a contact phone number for my father as well. 
My father and I contacted the bank together and the representative refused speak to us and stated that the funds were being sent back to where they came from. 
XX/XX/2020 XXXX MT : They sent me an email that stating that " Dear XXXX XXXX We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. '' XXXX : I called XXXX and spoke with a representative that informed me my account was closed and I could contact the Review Department directly, she provided me the following phone number XXXX and I called directly. My calls were immediately disconnected. I emailed XXXX XXXX, Director of Customer Complaints and have yet to receive any correspondence or acknowledgment of my email. 
I am filing this complaint because of the unprofessionalism and rudeness of how I have been treated. I have had my Capital One bank accounts for over three years. I am on the verge of being evicted because of this incident and I have two small grade school children who will be homeless by the end of this month. I feel as though I deserve an explanation of the process or be provided a timeline for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: IL

Complaint narrative:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2020-12-16 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I recently sold my home on XX/XX/XXXX, I was issued my equity balance at the time of closing minus the escrow amount balance of my account which I was assured it would be refunded to me within 30 days. I have not to date received my check. The mortgage company was called 5 times prior to closing to notify them of the sale and a new address was supplied to them. However, despite the multiple attempts to notify them of the new address they supposedly sent my check to the address of the house I sold on XX/XX/XXXX ... I did file a forwarding notice with the post office but did not receive any of my mail after it was filed I have since called multiple times requesting that it be deposited directly to my checking account only to be told that was not possible, so I requested that they send it directly to a different address and they supposedly did, never received it there ... all I get when I call are promises of reissues and overnight checks with tracking but the bank has failed to keep its word on doing anything it has said it would ... almost three months later, I still dont have my Escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: NY

Complaint narrative:
I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my 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 2020-12-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
i notice some inquiries reporting from XXXX and equifax on XX/XX/2020, that i didn't authorized.I had no knowledge of the companies that pulled my report and i requested the CRAs to give me the name and contact information of all the companies that check my credit without my permission.i has attached copies o the letters below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.

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 2020-12-16 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: FL

Complaint narrative:
I do not recognize this account and have never had a debt with this creditor. I do not know where they came from. Maybe you are mixing up this account with someone that has a similar name as me. Also, I have no idea of any of these inquiries. Please investigate incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: MO

Complaint narrative:
Someone has applied for credit in my name and is fraudently tried to optain credit in my name without my permission. These hard inquiries are a mere blemish to my credit report. This inaccurate information is really hurting my overall credit rating. Here are a list of unathorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2020-12-16 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: NC

Complaint narrative:
XXXX XXXX XXXX is reporting a charged-off credit card balance on my credit report for {$XXXX}, however this account does not belong to me. A long time ago, I may have been an authorized user on this account, but I have not been one for quite some time now. I have notified Equifax of this fact multiple times over the last couple of months. This account does not belong to me, and I am not responsible for the repayment of this debt. And futhermore, again, I am not an authorized user on this account, and it should not be on my Equifax credit report. I demand that this account be deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Submitted check for auto payments XX/XX/2017 for over three years of payments XXXX XXXX claims I was late the next three months I have copy of canceled check cash by them for over XXXX XXXX dollars?

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 2020-12-16 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: NY

Complaint narrative:
I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my 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 2020-12-16 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:
I figured out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is illegal and highly detrimental to my credit rating. I know that sometimes companies without any authorization and permission pulling credit profile. Well, by this message I would like to let you know that I do not recognize these inquiries and I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
XX/XX/XXXX ; 2020 I refinanced my mortgage that had been with XXXX loan servicing. On XX/XX/XXXX I called there customer service number XXXX inquiring about my escrow refund. I was told it was in the mail. I have called and spoke with a rep 6 times since then, verified correct mailing address, and I am still being told check is in the mail. 
I am a XXXX XXXX patient requesting only what is legally mine! 
I have little doubt that this refund was never put in the mail. I can not even obtain a statement from these people, let alone my refund.

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 2020-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/2020 at XXXX XXXX I received a phone call from an unknown number while at a doctor appointment. It was Chase credit card letting me know I did not pay last months bill. I told them I did not have the funds available and that I would pay at the end of month when my bill was due. The man on the other end then questioned me if I did not have any money, how was I getting around? I explained other bills while he kept harassing me about the question until I demanded to end the call. I ended up humiliating myself at the doctors office because this guy took the question long too far. 
The last few days I have received constant phone calls from the same number that are basically hang ups. I believe this company needs to get control of this The phone number of the company is XXXX XXXX XXXX XXXX I received phone calls on that day and today at XXXX XXXX and XXXX XXXX today. 
Im also on the do not call registry and am still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. I have no other reason but to believe that I am a victim of Identity Theft, I am currently dealing with Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently review my updated credit report and found out that one of the accounts that was removed from my previous dispute, came back with a different collection this time, the collection name for the alleged debt with XXXX is CREDENCE RESOURCE MANA, I definitely don't recognize this account, the account doesn't belong to me, please stop further collection activities and remove the account from my XXXX and XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020 I booked a hotel stay at XXXX XXXX XXXX XXXX ( located in XXXX ) through website XXXX. This stay was supposed to take place from XX/XX/2020 to XX/XX/2020. The reservation included a " Free Cancellation '' policy that entitled me to receive a full refund in case I cancelled it before XX/XX/2020. 
I paid the reservation in full ( {$920.00} ) using my MasterCard credit card issued by Bank of America. You can find the charge paid in the attached credit card statement. The charge 's reference number is XXXX. 

I cancelled the reservation on XX/XX/2020. Instead of receiving a refund, all I got from XXXX was a voucher that was supposed to be valid for a new hotel reservation. When I tried to use this voucher, their website was down, their customer service telephone lines were also down, so there is no way to actually utilize the voucher. In light of this, and considering that I never received the full refund set forth in the cancellation policy, it is clear that XXXX is incurring in a fraudulent practice. 

Consequently, on XX/XX/XXXX I called Bank of America to initiate a dispute over the charge that I had paid for in XXXX. They informed me that due to their systems limitations they can not generate dispute claims for charges that happened more than 6 months ago. 

I now recur to the CFPB for help against the XXXX fraudulent practice, given that my trusted bank is not able to help. 

Please let me know if additional information is required. 

Thanks and Regards, 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 2020-12-16 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX 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 2020-12-16 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, Syncb/XXXX and on XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16 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: Advantage Credit, Inc.
State: CA

Complaint narrative:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX and XXXX. XXXX, XXXX, XXXX  XXXX XXXX, on XXXX. XXXX, XXXX, XXXX and on XXXX. XXXX, XXXX, Advntge Cred add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16 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: FL

Complaint narrative:
THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-16 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: FL

Complaint narrative:
THE XXXX XXXX ACCOUNT AND XXXX XXXX XXXX XXXX ACCOUNTS HAVE BEEN PAID IN FULL. PLEASE REMOVE THE ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation