vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

My credit and daily life has been underminded by Identity Theft, authorize credit utilization, credit report showing wrong information, money laundering, false advertising fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: STATE EMPLOYEES CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STATE EMPLOYEES CRED U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE. 
PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please delete:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
There are inquiries that was not authorized by me, I called the company and they are saying they can not do anything without me filing a report to remove these inquiries that I did not authorize. According to FCRA items that are not verified and authorized by me must be removed. TransUnion website states that I should call to say these were not authorized and they will remove it but now they are saying something different.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: LA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had been XXXX from XXXX of 2020 to XXXX of 2020 and in that time someone had gained access to my unemployment account and stolen all of my money. I reported this to bank of America and unemployment and the bank had credited my account some of the stolen funds but after trying to withdraw money a few times they would freeze my account and it would be near impossible to have them unfreeze it and this went on for over a year until I just gave up. My account would get opened and funds would be taken multiple times that weren't by myself and no matter how many times I tried to get it fixed the bank would just keep telling me I had to take it up with my sponsor. I just want the money that I was owed and I feel I have all the right in the world to get that. It's been such an insane circus show between bank of America and California edd and I just want what is owed to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: MI

Complaint narrative:
All three credit bureaus are reporting that I owe someone named credence resource manage a third party who I have no contract with. I do not owe them any money where is the Contract? Yet all three credit bureaus are let them put this on my report and its not mine I spend to much time trying to fix my credit and this keeps happening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: IL

Complaint narrative:
I recently reviewed my credit profile through a credit monitoring agency. I noticed a derogatory item from the company. I never received any communication from this company. I never received information regarding validation of this alleged debt. I never received information that this company can legally collect debt in my state. The company has continued to add fees, making the alleged debt 's amount to increase. This derogatory item on my credit profile is affecting my good name. I take my reputation seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I called the servicing company Monday to make 3 payments on my mortgage and she would not take them. She said my best option was to sell. I dont want to sell. When I did the hardship papers, they just sent me the appraisal to the house. Ive tried to pay several times and everyone gives me a different amount. The 1st time XXXX said if I pay {$4100.00}. On the XXXX of XXXX Id be fine. I tried and they said no. I can up with the 3 months and they said no. Now they want {$4000.00}. In fees. The company is Faye Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: KS

Complaint narrative:
The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
on XX/XX/23 XXXX and equifax failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I had {$460.00} taken from my account. I contacted to make immediately only to find out that I had other transactions taken from my account one for {$460.00} one for {$600.00} one for XXXX something dollars these transaction went to some XXXX XXXX I asked the bank to step in and stop these payments before they went out. I couldnt stop nothing but the last payment the bank said it was too late only thing that they could do was go in and file a regulation E dispute they told me it looks like I would not win the dispute although it only had been 24 to 48 hours. I would like assistance in trying to get this money back. Im a single parent and taking this kind of money from me is a whole lot of money. I barely have enough right now based on a fixed income to pay my rent, I would like some sort of assistance to step in and get this money back from this guy. This is fraud. I dont know this person and not did I authorize money to go out to him the financial situation that Im currently bank in with Pentagon , Federal credit Union . Theyre the ones so I contacted there XXXX department to try and get these balloons back from this person only to be told that more than likely it wasnt going to happen when young lady who I spoke with, said it would happen all they have to do is going to request the money back from the persons account. As long as they hadnt spent it I should be able to get my money back. Im just getting conflicting information at this point from these banks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Last year Bank of America lost a payment. We were charged late fees and had to catch back up. The payments go through my business account so my staff ensures the bills are paid on time each month. After the payment was lost and I made a phone payment, my staff was advised that we wouldn't have that other check clear and it definitely hadn't been received. Less than a month later it cleared. It had been lost in THEIR processing center. 
XX/XX/XXXX we received an overdue notice. My staff member is working on tax things and hadn't balanced the XXXX books yet. When she saw the overdue notice, she immediately looked for the check. It was cashed on the XXXX of XXXX. When calling in we were transferred multiple times ( at least four ). One person said it was received the XXXX. One said the XXXX. Another said the XXXX and then when called out on that statement tried to say that she was just repeating what I said. I was on speakerphone. The XXXX was a date I never gave, and now has me question when the check was actually received. 
Bank of America refused to waive their late fee because they had already waived a previous late fee. A staff member prior to that transfer even stated that many consumers have been calling in with similar issues. Why should we need to pay for their mistakes. This is a gross abuse of power by a mortgage lender and needs to be stopped at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a 12 month no interest offer on this XXXX credit card until XX/XX/2023 for balance transfers and they didn't disclose to me that they would start charging interest that day after on the XXXX ; expecting me to make the full payment the month prior with no notice. The balance was paid in full by me before my due date which was after the XXXX but they never disclosed that it was supposed to be before that. I sent the payment before my own payment due date just in case so that wouldn't happen as thats normal with any regular balance transfer. Its as if they just started charging it because they can without notifying me of that change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I called to find out where my CA meddle class tax refund card is in XX/XX/XXXX to find out it has been sent in XX/XX/XXXX. They said it was compromised and will send the replacement card. I received the card and found out {$680.00} was fraudulently spent and balance of {$14.00} was left on the card. I called the Money Network who issues the card and they said to file a dispute. I have filed the dispute and they denied the dispute and I was told to appeal the decision. I have filed the appeal and it was denied again. I called and was transferred to escalated team who told me to provide more information and appeal the denial. I asked them what kind of information do they need and they could not provide any answers or request of additional information. What kind of information can I provide when my card was stolen and was used ay XXXX and XXXX XXXX XXXX according to my card statement. Obviously I am not the only one that has been scammed out of refund and card company is not willing to assist me with getting my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
On or about XXXX of 2023, the XXXX XXXX XXXX XXXX, XXXX, XXXX and a lady I assumed worked for the realtor evicted me from the home I was making contract agreed payments as I have proof of. I not sure why this is happened or what they did with the money but it sounds like predatory lending and a civil rights issue as law enforcement officials and the courts were involved and should be investigated at the time I was a XXXXXXXX XXXX and clearly an employee Code of Conduct / Ethics issue via annual trainings and background checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit acceptance is still reporting to credit bearueas and its over XXXX XXXX XXXX. I disputed with XXXX and they said it was verified as accurate but I have proof its over XXXX XXXX XXXX. This should not be showing on 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 monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received a call from phone # XXXX, they stated a name ( someone else ) and asked if I was that person. I told them " wrong number ''. 

Since I registered on the National Do not call list, I called back the XXXX which began with a prompt " This call is being recorded '' and obtained their mailing address. I informed the rep that my number is on the National Do not call list and would be reporting them. I looked up the information they provided and determined it's a debt collection Asset care LLC XXXX XXXX XXXX XXXX tx XXXX dept XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
XXXX XXXX IS REPORTING INACCURATE FALSE INFORMATION ON MY CREDIT PROFILE TO SECONDARY AND THIRD PARTY COMPANIES. PLEASE REMOVE THESE FRAUDULENT ITEMS AS TO THESE ACCOUNTS DO NOT BELONG TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief