vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is regarding Experian and their methods/means to place, remove and confirm status of freeze on my credit report. 

For many years I have frozen my credit reports with XXXX XXXX, XXXX  and Experian. XXXX XXXX and XXXX provide on line methods or simple call in methods to confirm, place or lift freeze status on my credit report. 

Experian provides no such easy access on line for placing, removing or confirming freeze. There is a call in option, but, there is no method to confirm a freeze removal has been put into effect. Add to this, Experian provides no readily apparent phone number to call in and speak with a person if you are not a paying customer. 

My issue. 
Experian controls a major portion of my, yours and all others financial flexibility. Our credit report should be able to freeze and unfreeze, as well as find status of same, at a moments notice with no more effort than providing proof of identity. 

The other two services are not superior performers in this area either, but, their sites are able to allow alterations and confirm status of my credit report freeze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: IL

Complaint narrative:
I have disputed a bankruptcy reporting on my credit reports. The credit bureaus are not reporting it correctly. I have been challenging them since XXXX. I have sent several letters ( XX/XX/2021, XX/XX/2021 and XX/XX/2021 ) and it still is not reporting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: Admin Recovery, LLC
State: NY

Complaint narrative:
I paid {$3000.00} to XXXX XXXX at the same time they charged off the debt to admin recovery whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to XXXX XXXX  and Admin recovery but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a Capital One card. I have not used my capital one accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from capital one bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a Capital One account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with capital one. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: MI

Complaint narrative:
I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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:
I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-30 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: TX

Complaint narrative:
I had spoked to TransUnion on XX/XX/2021 and XXXX that XXXX XXXX  supervisor gone say that they aint got to to be listen to know FCRA or know body else. XXXX was a XXXX XXXX  talking about dont know laws run his company do what they want and they don't listen 2 nobody. I am like you messin my life up reporting this wrong stuff on my report he like thats you problem I asked him why dey dident accept my Identity Theft report he said cause dey can wait 30 days not no 3-5days and people cant be telling them how the Law work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NC

Complaint narrative:
Experian and ONLY Experian shows 14 accounts that are not mine. addresses phone numbers names and employers that are not mine. They state they mixed up my report with someone else. This has dropped my credit score from XXXX to XXXX! I also can not access their online tools to dispute as I can not pass the verification as none of these accts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/12 a XXXX ( IRS form ) was issued to me for a HELOC / 2nd mortgage dated XXXX from XXXX California. 
Ditech aquired my loan approx. XXXX Ditech hired XXXX XXXX Co XXXX to collect on the canceled debt. 
I have spoken to Ditech several times over the years. My tax account has contacted Ditech, explained the 1099-C IRS form to them. Can not collect on a written of debt.

Shellpoint will not release a lien on my property. I have sent copies of all the account transfers to Shellpoint.

They are stating the account number on the 1099-C do not match the account number they have on file. The original account has been transfered to various companies 3 times. I have given this information to Ditech. Now I am trying to refi my home and they want the original amount paid. At this time I am unable to refi do to the illegal lien. 
The debt was written off XXXX- still to this date Ditech is demanding payment.

The statue of collection has expired. Shellpoint has gone as far as to say I have had 2 HELOC 's

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 2021-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: SC

Complaint narrative:
This company is reporting a debt that was removed from my credit due to a violation of the FDCPA/FCRA. This needs to be removed before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent two previous letters to Credit Bureau, all by certified mail ( receipts enclosed ) requesting that Credit Bureau remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that this account is inaccurate and that Credit Bureau violated the Fair Credit Reporting Act by ignoring my requests to investigate the item. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and this reason was not frivolous in any way.

I will file a civil suit in my county for damages and Credit Bureau can travel to defend yourself. 

XXXX XXXX  XXXX NEVER LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I used td bank to transfer a bank transfer to XXXX XXXX on XX/XX/2019. The amount was {$1000.00}. Due to an account problem during the transfer process that needed to be verified, the transfer was suspended by the bank. I immediately called to cancel it. The online service staff clearly told me that there would be no automatic transfer, but when I checked my bank records on XX/XX/XXXX, the transfer was transferred out of my bank account without my authorization and notification. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted the bank many times to solve the problem and got the money back. There was no response until now I found the cfpb department to complain about this matter. I hope td bank can be responsible. Solve this problem and return the money to me at the same time.After all, the irresponsible behavior of td bank has affected me and all customers who support and continue to use their banking experience. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
i received a text message saying WeIIs Fargo AIerts : A hold has been pIaced on your account due to recent payments, visit XXXX to remove the hold. when i do not own a Wells Fargo account. i would like to know alittle more information on what i can do, thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 spoked to dem tuday and XXXX was rude as XXXX and hung up on me and said you people thenk yall know so much but dont im like why yaw aint process my id theft affidavit he like we got 30 days you peeople think dat you tell us how to do are work im like the law tell yaw how to due yaw work he like nope.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXX working for Bank of America & Various other Businesses & Fake Churches in XXXX, Georgia were using my Bank Account to Pay their Bills & Withdrawing my Tax Return Monies every year I Held an Account with the Bank beginning in XXXX. As a XXXX XXXX XXXX, I was not allowed to have very much Monies, as they were Holding me XXXX for fear I would run away. Their XXXX had Card Copies of my Accounts, and to Hide their Large Withdrawals & Transfers they would create Blocks of Transactions that were previously done to make the Statements look Real. I watched at XXXX XXXXXXXX XXXX  XXXX as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX, as well as others discuss such things. I was being XXXX in the Back. The Statements they sent me are Indicative of their XXXX  Master Manipulation at hiding their Fraudulent Activities on people 's Accounts they Hold as their XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX were the Masterminds. XXXX XXXX my Great Aunt, Daughter of XXXX XXXX XXXX, owner of XXXX, Sold me back to the XXXX  in XXXX, right before XXXX XXXX XXXX to Change his Last Will and Testament & Leave me out of it. XXXX XXXX XXXX, had given me Full Control of the XXXX XXXX XXXX XXXX, to keep the prices low, as he told me in XXXX. Today, the Fake owners of the products have some of the prices as high as the competitor prices. And Many XXXX Managers are apart of the XXXX XXXX XXXX XXXX XXXX and XXXX. The Bank of America XXXX XXXX are Horrible XXXX XXXX. I demand something be done about this, as people of the XXXX XXXX XXXX XXXX continue to suffer at the Hands of these Ruthless Terrorists as I did. Being XXXX inside of the Banking Centers. XXXX XXXX and his XXXX family members were Helping them Sell my XXXX XXXX XXXX  for over {$20000.00} each to Finance their Lavish Lifestyles. I have filed over 100 Reports to XXXX XXXX XXXX and Security, & the FBI regarding this Extremely Urgent Matter. Please send my Report to a Real Law Enforcement Officer, as these people Violated the 13th Amendment of the Constitution Regarding XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I paid my payment on the XXXX. Nissan filed it as a principle only payment but it wasn't. I called and they corrected the payment as it should be. Then they charged me a late payment for XXXX. I wasnt late for XXXX or XXXX. I Shouldn't be responsible for their mistake.I work hard to pay my bills on time and keep my credit good. I shouldn't be responsible for someone else 's incompotence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: NJ

Complaint narrative:
I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a XXXX XXXX card. I have not used my XXXX  XXXX accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from XXXX XXXX bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a XXXX XXXX account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with XXXX  XXXX. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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: SECURITY FINANCE CORP
State: IL

Complaint narrative:
I recently just started working on my credit and I realized I had a bunch of inquiries on my report that I never made or authorized at all!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I was attempting to cash an out of town check for {$2900.00}. Teller recommended for me to cash out check and then do a cash deposit into my account to ensure check legitimacy. I did and 3 days later I grew funds from account. On XX/XX/XXXX, BOA automatically debited my account for the same amount although I deposited cash and followed tellers recommendations. I returned to bank and spoke with manager and customer service agents for over 2 hrs. Was told that there's nothing the bank could do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Credit card has been charged since XX/XX/10 from XXXX XXXX, on line. Bank of America has reimbursed charges and changed credit card 3 times since. XXXX  continued to make fraud charges, from {$1.00} to {$8800.00}. BOA refunded all the small charges and decline the claim for the {$8800.00}. I closed the account but they are charging me for late payments

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 monetary relief
Consumer complaint received 2021-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Mahomes Capital
State: FL

Complaint narrative:
On XX/XX/2021, I received an unsolicited piece of mail from Mahomes Capital ( https : //www.mahomescapital.com/ ) telling me " You have been pre-approved for a debt consolidation loan for up to {$32000.00} at 3.06 % interest rate. '' No where on this financial offer does it say that it is subject to further credit review. Upon calling the company, they told me to apply and see what comes back. I explained that it clearly states I am pre-approved for 3.06 %. He said it depends on your credit score and other factors. 

I told him no where on here does it say that it is subject to further credit review. Additionally, It shows my current debt obligations and average interest rate with my current total of minimum monthly payments. Next to that, it shows the terms of the new loan under the word " New '' that shows a consolidation loan for {$32000.00} with an interest rate of 3.06 % and a new minimum payment of {$120.00}. 

Additionally on the front of the envelope, it says in bullet point : - One low FIXED monthly payment - 3.06 % interest rate - FREE Consultation - NO upfront fees Again it does NOT say interest rates AS LOW AS 3.06 %. It clearly states the interest rate IS 3.06 %. Nothing in this solicitation would lead a reasonable person to believe they would receive an interest rate other than 3.06 %. 

No where does it say this is just a teaser and that the rate is subject to further credit review to determine the actual terms of the loan. This solicitation is highly deceptive and when I advised the gentleman I was speaking to that this was the case and that I don't believe it would pass the smell test of the CFPB, he said he's been doing this a long time and he knows what it says. He kept interrupting me and talking over me and would not let me read the exact verbiage to him. He said he would not continue the conversation and hung up on me. 

I work in the XXXX  XXXX  and this solicitation is purposefully deceptive and it is absolutely a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Phone number XXXX called me claiming to be a chase bank at a location near my home. They offered assistance with any credit card information I needed like savings, debit, credit card, or loan info. The person said he was a representative of chase Bank and that they call all their costumers in this manner. 
I have never used the location in my life. Offered no info and hung up.

Company response to consumer: Closed with explanation