vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-07 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: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on DATE. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

12. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
13. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
14. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
15. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
16. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
17. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
18. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
19. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
20. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
21. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX I received a text message alert to my phone asking did I authorize a XXXX transaction in the amount of {$3500.00} I replied NO. I then received a call from a Bank of America phone number, same customer service number on the back of my card. He went into great detail about a person having access to my personal information and the fraud department is starting an investigation. Immediately i was placed in a state of panic so I logged into my account to follow the protocol in which he stated to return the funds. I followed the steps Im which he claimed to be adding the funds back into my business account through XXXX making me add myself under my business name as a recipient and sending {$3500.00} when I went back to my account balance and noticed the funds were missing instead of deposited. I hung up before he instructed me to wipe out the rest of the funds! I contacted Bank of America and they started a dispute which I was told could take up to 45 days! I then contacted XXXX while the transaction was still processing. XXXX stayed they could not do anything and referred me back to my bank. I also contacted XXXX XXXX  where the money was sent. I explained everything to them and they stated the only thing they can do is wait to hear from Bank of Americas fraud department. I spent a total of three hours going back and forth being transferred around giving the scammer ample time to shut down this account and disappear. Finally I contacted Bank of America in tears because part of the funds they took was a loan I had just received from a small business funding company for covid relief and I was preparing to get things back going that weekend. I explained this since of urgency to Bank of America but ultimately they went on some length about the scammers privacy rights and blamed myself, the victim for initiating the transaction. We as consumers feel safe and secure with our banking facilities thats the reason we choose them as our financial institutions in the first place. I felt attacked when I had already essentially been robbed. My business, my credit, and my livelihood is on the line and all I received was fake apologies and left helpless to wait and hope the scammer returns the funds.

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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
On Saturday, XXXX XXXX I received an email about a debt that I do not owe. XXXX XXXX sent an email with at least 7 emails attached. The email header had the ( {$1100.00} ) amount allegedly owed. The body of the email listed my name and how she has tried to reach me several times about the debt. My privacy rights were violated because the emails she listed were family people who all have the same last name ; I do not know all the people listed. 

Also, the amount that is being asked for is not true. The account was closed on XX/XX/2020 and I received a letter from XXXX XXXX stating the account was closed I would be refunded the balance from the company. However, XXXX XXXX is sending incorrect information that the account is past due and active. 

I also reviewed my credit score and noticed an inquiry on my credit. I did NOT give them permission to pull my credit report. This is also a violation of my rights. 

I sent an email explaining to XXXX that I will have my attorney to contact them and I do not want them to contact me. I also asked her not to send emails to the others listed in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm a XXXX Veteran i was contacted by Capital One " XXXX  '' credit card, I was told i was already Pre-approved for a card, I called the numbers on the offer and they said yes after i gave them to the codes on there offer to me. 

I three times was diverted to other numbers, I was told they are backed up so could i just do it online, not to be concerned as it is a Pre-Approved and no further credit checks need to be done as i have a pre-approved card waiting for me. 

I then learned they ran a hard check on my credit bureaus and that as you know causing a reduction each time someone runs your credit. As a XXXX Veteran, elderly, i was lied too, misled, and am being discriminated against. 

After I gave them information they said they needed to send my " New '' Card too they would send me a message, within a few minutes i get a message that they can not now approve my Pre-Approved card??? Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Hello, My credit card company is holding multiple payments Ive made to them. The funds have been drafted from external bank account. So in essence I have a {$2400.00} taken from one bank to pay my credit card at penfed.

This is a huge problem they are now reporting that I am over my credit card limit causing my XXXX  score to drop. I have made the payment those funds should be released and new information should be sent to the 3 credit reporting agencies to correct penfeds inaccurate 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 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: MO

Complaint narrative:
There was damages to the apartment I used to live at. The bill was sent to a XXXX XXXX agency. I paid the Bill of {$1400.00}, XX/XX/XXXX. In XXXX of XXXX the account was sent to Procollect and they contacted me and said the bill was never paid. I sent them proof of payment, a receipt and my bank statement. Then they reported me to the credit bureaus after I sent proof of payment.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SinglePoint GI
State: FL

Complaint narrative:
The creditors GENERAL REV, XXXX  XXXX XXXX, and XXXX XXXX XXXX  keep reporting accounts to my credit report that I have already paid off and are all XXXX  XXXX. Please delete these accounts off my credit report and cease all reporting activities

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: UT

Complaint narrative:
My credit report is showing a delinquent account causing a major decrease in my credit score. I dont have any delinquencies.

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: RC Willey
State: FL

Complaint narrative:
The creditors XXXX XXXX XXXX XXXX XXXX and RC WILLEY FURNISHINGS keep reporting accounts to my credit report that I have already paid off and are all XXXX  out. Please delete these accounts off my credit report and cease all reporting activities

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CO

Complaint narrative:
It is my understanding that the Card Act requires that Discover process my payment the same day. This did not happen on several occasions leading to two additional {$20.00} charges to my account. Further more there was a {$10.00} fee/charge, by discover, that no one could explain or determine what it was but I was charged nonetheless. 

After about 30 days the debacle continued, once my {$550.00} payment was made, on my secured discover card, Discover canceled my account and told me I would not have access to my {$500.00} for upwards of 70+ days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
This debt is illegally being reported to my XXXX  and XXXX  Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. What I want? I want this debt listed by _____ immediately removed from all of my credit profiles. They will ask have you tried to resolve this issue with the company. I have tried to resolve this and they are unable to verify that I have a debt / document with their company. That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2021-08-07 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 Recovery Management
State: FL

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am having trouble getting my fraudulent credit refunds issued to me from Capital One. I filed a fraudulent dispute with Capital One letting them know that someone had stolen my identity and was using my Capital one credit cards fraudulent or without my authorization. However Capital One closed both of the fraudulent credit cards and reported to credit bureaus that I was 60-90 days late, which is also inaccurate. I had given Capital One authorization to ACH Debit from my Centry next Checking account, which Capital One suspended and then reported to credit bureaus that I was late. I will be including that letter withdrawing my accounts from ACH debit from Capital One. I had been working with Capital One fraudulent team on issuing my credits back to me. Capital one supervisor/ fraudulent team, gave me a date that they would be issuing my credit balance back to me, I called and verified on XX/XX/2021, with Capital one supervisor that they would be issuing my checks on XX/XX/2021, I was given a date from their supervisor on XX/XX/2021 that I would receive my money back for the fraudulent transactions. I contacted Capital One on XX/XX/2021 to follow up to make sure Capital one was issuing my refunds that was fraudulent taken from my checking account, I spoke to a fraudulent team supervisor, named XXXX XXXX ; he advised me that they were reversing the fraudulent charges/ credits on the 2 accounts to make me pay for them. This is totally unfair to me as a customer/ human. I dont owe them ; Capital One is not being fair, and feel its okay to do me this way. Someone or company stole my personal information and made purchases on my credit cards, and its not fair for me to pay them. Capital one advertises zero fraud liability on fraudulent charges. I have a police report to corroborate the fraudulent transactions. I am not responsible for the fraudulent transactions and is requesting that Capital One send me my money back that they fraudulent took from my personal checking account. Capital One also closed both of my accounts and still charging me interest on accounts that they personally closed. Capital one needs to be under investigating for unfair practices to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21

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 2021-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This line of credit was opened in XXXX. My card was used by unauthorized persons and I reported to their Frauds division. It took months to investigate but only 30 days to close the account. In XXXX, they sent it to a collections agency, I settled with them but the account still wasn't removed from my credit report. I have disputed this account still showing on my report : three times! And this SETTLED ACCOUNT is still showing on my report. XXXX XXXX claims there was TWO ACCOUNTS : THERE WAS NOT. I had a debit account and they added a line of credit to it. Now, here it is over SEVEN YEARS since the account was closed and WRITTEN OFF. How long can this be reported and why can't Experian remove it after seven years? At one time, I was told XXXX XXXX  would be removed XXXX, XXXX. Yet I recently called and was told ( because it was RE-REPORTED two years ago ), it will stay on my report. IS THIS TRUE? If it is, companies can just keep reporting write offs and keep on credit reports FOREVER!

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 2021-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had lost my debit card I believe in the XXXX of XXXX but didnt realize I had lost it due to not going out and shopping due to the pandemic. I then got a notice that my account was close to being overdrawn so I looked at my account and saw that someone had been using my debit card on the XXXX, XXXX, and XXXX, making purchases of {$330.00}, {$400.00}, {$600.00}, {$800.00} and more without me doing so. I called J P Morgan Chase and canceled the card and reported it as fraud. I called on the XXXX when I got the notification. I was told that day that the funds would be put into my account in two business days. Two days passed and they told me again, it would be another two days but said I would receive the funds back. After those two days I was told AGAIN that it would be longer. The XXXX of XXXX that I would receive my funds. That they GUARANTEED I would get them back. On the XXXX of XXXX I get a letter saying they will not reimburse the money due to me not calling sooner about my card being stolen snd because someone used my card as a debit. Which when I called I stated Ive read numerous articles that PIN numbers get stolen and hacked all the time and that this was ridiculous. That Im now out {$3500.00} during a pandemic and out of the country snd they didnt care. Gave me the lame reason of not calling sooner about my card and now Im literally broke. This is unacceptable and makes no sense as I didnt make the purchases and was told I would receive the money and HAVE NOT. With them refusing to do so, I could be evicted because of their refusal to reimburse the funds I worked for and guaranteed to me three different times on the phone that I would receive MY money back. They are also now stating that they are closing my account with them and wouldnt even give me a reason for that!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid off my mortgage and SunTrust Bank issue a check to me for my escrow amount of {$2100.00} on XXXX XXXX. After several weeks I did i did not receive it and assumed it was lost so I called them on XX/XX/XXXX and asked them to cancel the check and reissue it. They advised me they had to wait 30 after issue date and to called back. I called them on Monday XX/XX/XXXX. The told me that the check had been returned to them on XX/XX/XXXX and sent it to the states unclaimed money department. I asked them why didn't they wait as they knew I was going to call. The employee told me they have a record of my XX/XX/XXXX call and my updated address but something must have happened and it was too late to cancel and reissue. i called the unclaimed department and was told it won't show on their books for months. {$2100.00} is a lot of money 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 non-monetary relief