vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-19 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: MS

Complaint narrative:
XXXX XXXX  is reporting that I opened a card XXXX of 2022 I did not. 
Their reporting 0 % usage of {$200.00} This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: NJ

Complaint narrative:
The XXXX XXXX indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions

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 2022-11-19 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: NJ

Complaint narrative:
The credit bureaus indicated that my account was properly investigated, but how is that possible if the open date is not accurate, the last active date is not accurate, and the last reported date is not accurate? This ground for removal also violated my rights under 15 U.S.C 1681 section 602 A. It states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX XXXX  on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXXXXX.please delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TX

Complaint narrative:
i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX  XXXX  on XXXX, XXXX XXXX  on XXXX 2022, XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX 2022, XXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXplease delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.

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 2022-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To whom it may concern : I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. Please see items listed below. 

Account name : capital one Account number : ending in XXXX You're reporting a late payment in XXXX, XXXX and XX/XX/2020 yet XXXX and XXXX are reporting I paid on time. This is inaccurate reporting therefore please remove this off my credit report and update it to paid as agreed due to my FCRA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I feel Like my lender took advantage of me and took out a loan on the car that way exceeded the value of the car. Financed it at a very high interest rate with extremely high fees. Im unable to refinance my car after multiple attempts. They were definitely not looking out for me when I took out the loan. I feel like its predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BlockFi Inc
State: CA

Complaint narrative:
I had taken out a collateralized loan with Blockfi and used XXXX XXXX as my collateral. I paid the remainder of the principal of my loan off on XX/XX/2022. Blockfi notified me shortly after that the collateral XXXX  that They had held would then be returned to my Blockfi wallet after processing the ach transaction. 

On XX/XX/2022, we received word from Blockfi through XXXX that they suspended all withdrawals of any kind through their platform and failed to process the previous transaction. So now i have been left exposed twice awaiting either a refund of my principal pay off and my collateral that was supposedly held safely. Many other customers affected with my same circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are Unauthorized inquires and on Experian credit profile and I request that they are removed because of the serious harm being caused to my profile due to inaccurate credit reporting.

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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/2022, I deposited a check with Chase Bank in the amount {$2200.00}. I received this check from my mortgage servicer, XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an escrow overage refund. I have received escrow refunds from this servicer for 2 years prior. 

I deposited this check via mobile deposit. It was received, reviewed, and then approved. I then attempted to move the money from the Chase account to an account with another financial institution ( XXXX XXXX  ) where I normally store my Mortgage Payment savings. On the day this transfer was supposed to be completed, I received a message informing me that the transfer had to be cancelled because of an unspecified problem with the originating account ( Chase ). 

I then attempted the reverse and tried to do an external withdrawal from the Chase account to the XXXX account, only for that transfer to be cancelled as well. On XX/XX/XXXX, I called XXXX XXXX  and was informed that my Chase account was frozen. 

I then immediately went to my local Chase branch on the evening of XX/XX/XXXX and asked why my account was frozen. They did some research and called their headquarters support line. They informed me that the check I attempted to deposit was inconsistent - specifically the issuer of the check and the number of the bank account did not match. I was questioned about how I obtained this check, why did I receive it, among others. The branch informed me that the likely action would be the check would be returned. 

I called my mortgage servicer, XXXX that night and relayed the issues I was having. They informed me that the check was a good check and if I still had it I could attempt to deposit it at another institution. 

On XXXX XXXX, I noticed that XXXX charges appeared on my account, both dated XXXX XXXX : The first was for {$2200.00} and the second was for {$40.00}. These XXXX charges brought my account to {$0.00}. Both were labeled as Debit DDA - Check Charge with no further information. I Chase 's main service line and was redirected to customer concerns. I explained what happened and was informed my account was in the process of being closed and the latter charge would be paid out in a settlement account via a cashier 's check in about 14 business days. 

Chase was unable to tell me why my account was being closed. They failed to inform me that my account was in a restricted state. They did not indicate that there were any concerns with the check I attempted to deposit ( and in fact told me my deposit was approved and the funds were available ). I do not have the funds available from my escrow refund, and now I will need to wait 14 days for the money that was existing in my account to be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I was notified by Wells Fargo E-Mail of " unauthorized transactions '' on my online account. I contacted Wells Fargo and was transferred to their Fraud Department about the transactions and was told, one was a Bank Wire Transfer in the amount of {$14000.00} and another to XXXX for {$1000.00} that were ATTEMPTED. Wells Fargo fraud representative " XXXX '' told me the wire transfer and the XXXX transfer were stopped and he was going to open a new account because of the " XXXX '' which he did. On XX/XX/2022 The XXXX transfer was showing as " Pending '' on the NEW account. On XX/XX/2022 the " pending '' was now shown as completed. I again contacted Wells Fargo Fraud Department about the now transferred {$1000.00} from my account and was told by " XXXX  '' and XXXX '' that the transfer was in fact NOT STOPPED as it was suppose to be and I would need to wait until an investigation was completed to determine IF the unauthorized transaction would be refunded.

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 2022-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I live in XXXX, but my permanent address is my parents house in XXXX. My parents received a debit card in the mail in my name from Bank Of America and informed me of such. I have never opened a Bank of America account in my life. I believe this account was fraudulently opened in my name, using some piece of my vital information. I do not know how Bank of America allowed this to happen without me being present in a branch with physical proof of my photo ID, passport, social security card, or birth certificate.

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 2022-11-19 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 lot of information on my credit report is invalid on my Experian credit report. I am interested in disputing all incorrect information to help clear my file.

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 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: OK

Complaint narrative:
G C SERVICES Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$2100.00} Account number - XXXX Date opened- XX/XX/2022 G C SERVICES Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This cause negative impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc
State: CA

Complaint narrative:
BlockFi digital Wallet. Since XX/XX/11 I am unable to withdraw or access my digital wallet to obtain my funds. I have XXXX XXXX  and a portion of XXXX worth about {$900.00} with overall total worth about {$5500.00} in my BlockFi account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent documents showing that this account have reported several months different from what they have been trying to collect as well as they haven't sent me all the documents to validate this debt and it has been over three months while they send me bits and pieces of documents. It should have been deleted after the first 30 days of them not sending any validation documents.

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 2022-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc
State: MI

Complaint narrative:
Blockfi has blocked all transactions and I can't receive my digital money from my digital wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My XXXX XXXX daughter had three accounts with PNC, all of which had my wife as a co-account holder. A scam " artist '' reached out to my daughter via social media and convinced her to deposit fraudulent checks " he '' sent to her via email. He also convinced her to " XXXX '' funds to him in the total amount of approximately {$5200.00}, with the promise she would keep some of the deposit for herself. These deposits and transfers occurred from approximately XXXX through XXXX. My daughter 's accounts have since been closed by PNC, which we understand. The deposited checks were determined to be fraudulent yet PNC allowed the XXXX transactions to occur. It would seem the checks should be determined to be valid before a XXXX transfer can ever occur. Even " regular '' deposits ( Including checks written by me to my wife ) take a business day to be officially deposited. 

We filed a compaint with PNC Fraud but have not heard about our case. As a result, my wife 's accounts ( separate from my daughter and only in her name ) have holds on them for amounts of XXXX  ( now XXXX ), XXXX and XXXX. These amounts have also been increased from the original amounts due to fees put on them by PNC. PNC has held the following amounts from my wife 's accounts : XXXX, XXXX and XXXX. 

Of importance to note is we were never notfied about any of this. My wife found out after I deposited money in her account ( XXXX  ) and a debit was rejected ( XXXX XXXX XXXX  ) resulting in us calling PNC. Frankly, this is outrageous conduct by PNC, not only for the lack of notification about held funds, but a total lack of interest in my XXXX XXXX  being a victim of fraud, to the point where we have not heard from, or been able to express what occurred directly to a fraud investigator. We were not even told my daughter 's accounts were closed until we called. When we saw her accounts at XXXX balances, we wrongly assumed the fraud was adjudicated and everything was fine. PNC has the responsibility as described above, to ensure all deposits are valid to prevent the fruad from occurring in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-19 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: ID

Complaint narrative:
Monterey Financial services pulled my credit without having an SSA 89 from me. they did the same to my wife as well. The SSA 89 is to prevent the misuse of anyone 's social security numbers and is only good for one use and expires after 90 days from date signed and pulling without one on file constitutes as identify theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2022-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
trying to collect on exempt funds calling night and day

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 2022-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have a capital one credit card such that I am having difficulties paying the credit card off as I am experiencing extremely high interest rate of 29.99 % I have been a capital one credit card customer for about 10 years. My monthly interest rate alone is over XXXX $ a month. It makes it impossible to pay the credit card off. I called today to ask for a lower interest rate. The service rep placed me on hold for over 10 mins than communicated to me they can not provide a lower interest rate.

Company response to consumer: Closed with explanation