vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXXn cant provide to my two year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Intermex Wire Transfer, LLC
State: CA

Complaint narrative:
I send money in the XXXX on XXXX XXXX in the amount of {$150.00} debited to her account with XXXX XXXX XXXX XXXX through authorized third party called INTERMEXCORP based at XXXX, Florida. We discovered in XX/XX/2022 that the money was never delivered. So we immediately get in touch with XXXX XXXX XXXX XXXX and was instructed to get hold of INTERMEX ( Phone # XXXX ). We were told the money was not delivered because they don't have the correct address of the recipient. On XX/XX/XXXX, and XXXX, XXXX we called INTERMEX and told them to cancel and reverse the transaction and put it back into our account with XXXX XXXX. They complied and told us it would take 3 to 5 business days. At present we still don't have that money back into our account. So, we called INTERMEX again and now they're telling us it would take another 7 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a mortgage payment come out for XXXX on XX/XX/XXXX that's I didn't have sufficient funds to cover, and was charged an overdraft fee. Around that same time I was payed but it was less then usual because I couldn't work due to covid. I had many automatic payments come out and were charged over draft and returned fees. I was charged over {$500.00} in those fees. Suntrust will not reverse any of them. We're in the middle of a pandemic and their being ridiculous. I will be getting paid and will have not enough money to cover my bills because all of this will go to cover these over draft fees.

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 2022-01-28 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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
A fraudulent account appears on my credit that I do not recognize. The account is : 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 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: KY

Complaint narrative:
On XX/XX/XXXX, I made a purchase of two items on Wayfair.com for a total of XXXX USD ( Order Number XXXX ). I agreed to use the service of a company named Klarna, which offered to lent me the money for this purchase and allow me to repay in 4 bimonthly installments of XXXX USD each with no interest. 

I returned one of the items ( original cost of XXXX ) to wayfair shortly after and the confirmation of the return was received on XX/XX/XXXX by that company. 

XX/XX/XXXX, Klarna contacted me to let me know that a return had been reported and payment schedule paused. 

XX/XX/XXXX : Klarna emails that there is no confirmation of return from XXXX had been received. I responded with the information they requested to confirm such return. 

XX/XX/XXXX : Klarna writes that they received formal confirmation of return from XXXX and informs that a refund for the payments made will be scheduled for the next 5-7 business days. 

XX/XX/XXXX : XXXX issues refund for XXXX USD to Klarna and emails me about it. 

XX/XX/XXXX : Klarna takes XXXX USD from my account XX/XX/XXXX : I email and inform them of the mistake, and request a refund for the XXXX payments ( XXXX USD minues the cost of the XXXX item I kept, for XXXX USD ) XX/XX/XXXX : Klarna informs that a refund for XXXX USD has been issued and to expect it within the next 5-7 business days and ends with a note of " no outstanding balance due ''. 
XX/XX/XXXX : I email explaining again that the refund does not correspond to the amounts that must be refunded, and that instead, they just withdrew XXXX. They repeat the answer from the previous email and suggested me to contact XXXX for the return. 

XX/XX/XXXX and XX/XX/XXXX : Klarna writes requesting me to contact them only if I " have new information regarding this matter '' Klarna never refunded the XXXX mentioned or any of the rest of the payments made. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
ROCKET MORTGAGE AND ANOTHER CREDIT AGENCY IS CALLING FROM XXXX DIFFERENT NUMBERS LOOKING FOR A " XXXX XXXX '' ... I AM NOT XXXX XXXX AND I'VE HAD THIS NUMBER FOR 10 YEARS! THEY WON'T STOP CALLING NO MATTER HOW I'VE ASKED THEM. MY NUMBER IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
In XXXX I obtained a mortgage through National City Bank. I only put a small amount down so I was required to have private mortgage insurance. National City was acquired by PNC bank and I was consulted by mortgage loan officer XXXX XXXX of PNC ( XXXX ) and encouraged to refinance with more attractive terms which I did. In XXXX XXXX XXXX reached out to me again and explained that I had fulfilled the requirement with timely payments to no longer have PMI. I called the number given to request the PMI be removed ( XXXX ) and was informed that within 7-10 business days I would receive the information to have it removed by sending the request to PNC BANK XXXX XXXX XXXX XXXX, OH. XXXX Later, I received a letter stating that although I met the 80 % or less of my homes appraised value, neither the length of time nor my timely payment history would be cause for the PMI to be eliminated. Instead it would remain for the life of the mortgage. 

Please assist me in this matter as PNC is unjustified in maintaining this insurance as a profit making tool and not a defense to mitigate possible loss from default.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I was attending school and failed out of my XXXX class. However, tutuion options was the loan lender. The school name was XXXX  XXXX university. I was trying to get my payment lower then XXXX dollars a mount to XXXX tuituion options said i had to call the school back and settled that with them. Well today, I received a call from XXXX today atXXXX XXXX I didn't get tha name of the rep, he was very rude to me, telling me I need a Job, this is why I'm In this situation, he wouldn't let me speak to no other rep, nor get his supervisior name nor put them on the phone he called from the headquarters of the company in XXXX, fl I was able to retrieve the number from the XXXX, fl locattion is the number I called back I explained my situation to the young lady she called him he came back on the line and stated " oh! you have time to hold on when you need to be working fulltime " Go get a Job " I hang up 3 times he kept calling back. Yes! I called the office back several timepraying I can get someone else to answer apparently they have caller ID so he knew it was me and would answer the phone not given his name nor number. These people are trying to collect a debit but are being very rude and nasty in the process calling harrassing the customer is not fair i really need to take action about this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX of the family XXXX, am of sound mind and age of majority. Upon review of my consumer credit report I have been made aware of several errors. It is a fact that ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It is a fact that i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE FOLLOWING ACCOUNTS FURNISHED IMPROPERLY AND DISHONESTLY BY REPORTING AGENCIES : Account name : XXXX  XXXX Account number : XXXX. Account name : XXXX XXXX XXXX. Account number : XXXX. Account name : US DEPT OF EDXXXX. Account number : XXXX. Again, i, XXXX XXXX, authorized representative, agent and beneficiary of XXXX XXXX, NEVER GAVE INSTRUCTION, PERMISSION OR CONSENT FOR THE ACCOUNTS ABOVE TO BE FURNISHED. In accordance with the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), FEDERAL LAW states A consumer reporting agency MUST, through PHYSICAL VERIFICATION of an ORIGINAL SIGNATURE CONSUMER CREDIT CONTRACT for ANY AND ALL ACCOUNTS posted to a consumers credit report. Failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified information MUST be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: NV

Complaint narrative:
I had been in the process of moving from my Hawaii address in XXXX. Prior to leaving I had dropped off my service equipment to the store in XXXX. The equipment was just dropped off and no paperwork was given at time of drop off. 
I moved to XXXX XXXX XXXX. The equipment was dropped off at the later part of XXXX before the month was over. 
I had done so because I had already began to pack up my personals for shippping at the same time. My personals were also sent to my XXXX address at the end of XXXX my planing to move was all in the process at the same time. 
I never received any phone calls or bills in regards to the equipment. 
Further more an email address of XXXX was given in regards to this bill I received. Spoke to the rep and advised her that was not my email. Not sure where that email came from. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I moved into a rental with my XXXX old son and needed an alarm system for safety. I contacted XXXX  and setup an install. When the tech installed the system I filled out paperwork with him for the equipment. I setup autopay with XXXX and every month they took payment from me. I received a call saying I was behind on payments for equipment. I told the customer service representative that cant be I'm on autopay. I sent her the autopayments and she explained XXXX and the equipment were XXXX separate payments Once for XXXX  and the other Fortiva. Extremely concerned because I had XXXX in the past and it was one payment for equipment and service I checked my credit report and it was on there and three payments were late. I have worked very hard to have good credit. I make payments early and more than the payment amounts. I called Fortiva back and explained this to them and how I am buying a house in XXXX. I paid the balance in full, which was {$1500.00} and the customer service rep said they would send me a letter to remove the account from my credit report. I called back 1.5 months later and they said they would send it and they're not sure what happened. I called again in XXXX worried because my credit score went from a XXXX to XXXX and i do not qualify for a loan with a low interest rate. I was told again it would be sent and it wasnt. In early XXXX, I called and they said they would not be sending me any such letter and no one should have told me that? I dont know why it changed but im incredibly frustrated because i was lied to and never told it was two separate accounts. i would have paid it. i have 13 years of perfect credit history and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Please see the attached screen shots of a financial institution that was added to my account without my knowledge or authority. XXXX XXXX XXXX does not belong to me or to anyone that I know. As you can see in the screen shot and on my account, XXXX  is unverified. XXXX XXXX XXXX is my account attached to my debit card which is my only and default account. My account was compromised and another financial institution was added to my account as the default. Please see below the transactions totaling {$380.00} that were transferred to XXXX XXXX XXXX  all in the month of XXXX. As you can see before XXXX, my transfers went to the appropriate default financial institution which is XXXX XXXX XXXX. 

I have not removed the XXXX XXXX XXXX until after Venmo further investigates the unauthorized access to my account and my money is recovered. 

Venmo customer service continues to send me responses stating that there was no unauthorized transactions and went on to state that I added the 2nd bank account and transferred the money to it. In so many words accusing me of fraud. I requested a supervisors and a call back with no response. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was given a delivery date of XXXX XXXX. I never received the first card so I called customer service only for them to send me to the fraud department for a card that was never activated. I still almost in XXXX have not received my card or anything. Capital One is making it seem as though Im just getting card randomly. I am offended and I do feel XX/XX/XXXX prejudice in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have an account with Chase and use mobile banking. 
I was hacked and an unauthorized payment was made through the Chase App via XXXX to XXXX XXXX. 
Because this payment was made through my Chase App, ChasXXXX reviewed the transaction and said it was not fraud. 
Chase then instructed me to file a complain with XXXX.

Chase and XXXX both deny any accountability and neither will help to resolve this fraud. 
In order to for XXXX to further investigate they need the email or phone number used for the XXXX payment. 
Chase will not give me the details of the payment I made - citing customer privacy. But this is my account and in order to make this payment, an email or phone number must have been added? Which I do not have because this is fraud. 
This is a terrible abuse of power and lack of concern for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
According to the FCRA, credit reporting bureaus can block information from credit reports if the information is in dispute of fraud and/or if identity theft occurs. This is not a complaint but rather asking that while there's an ongoing investigation with XXXX XXXX XXXX XXXX that the credit bureaus block all disputes under investigation until the investigative disputes are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had tried to put a check for 4,500 into my account, at first it said it was on hold but I checked today and now it said it has been returned and my account spending was 5,200 and im $ XXXX in debt. i cant receive any money from anyone, they cant send me money. i cant make a mobile deposit anymore.

Company response to consumer: Closed with monetary relief