vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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:
Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX XXXX XXXXXXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
During the start of the pandemic, XX/XX/2020, the mortgage company, Right Path Servicing, decided to pause my monthly payments. Three years later, I have been struggling since the beginning of this year to receive my monthly statements. I did apply for XXXX  because of my current situation. I am not able to complete my application because the mortgage company has failed to provide me a monthly statement. I have called, submitted ticket numbers, been transferred to various people, and I have not received a single monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: OR

Complaint narrative:
This company does not respond for customer service at all. I have done EVERYTHING... 
email, call, leave message on the support tab online, tried resetting my password, left messages for them on social media ( XXXX, XXXX and XXXX )... 

It says that I am locked out of my account, i need to reset my password, I submit to reset my password and it will not let me access it.. .they NEVER send me a link or an email to reset it. 

I have done everything, I need to update my bank info to make a payment but I can't even get into the app. BeforeI logged out ( trying to get the app to work ) it would let me log in but it would NEVER load. There was no way to see any of my information. 

Now I have a payment due and it's going to be late and it'll affect my credit because they can't help me! This is absolutely ridiculous and this company needs to be stopped. I shouldn't be treated this way and I need to make payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received my reinvestigation results back from XXXX and TransUnion. They said everything was XXXX XXXX  complete and accurate. I would like to receive the description of reinvestigation according to 15 USC 1681 i ( 7 ).

Because the list of accounts below is not accurate. The date open, date of last activity/active, and date of last payments are NOT 100 % accurate. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify the file to report correct data or delete the inaccurate information on my consumer report according to 15 USC 1681 i ( 5 ) ( A ) ( i ).

I attach a consumer report as evidence.

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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Have over XXXX XXXX on the phone back and forth with XXXX as well their collection agency I.C. Systems Inc. and they all continue to be non compliant and infringing on my rights. This account is fraudulent is was already removed once now it came back with a different collection agency this is fraudulent and was opened witout my authorization or consent and needs to be removed immediately.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My son had his truck stolen. A police report was made and we had to go to court. His personal phone and our company phones and tablets were stolen from the vehicle. These devices were then used to access personal and company financial information. Charges were made through our cash apps to cash app multiple individuals, sometimes as many as XXXX etc transactions were made per day. XXXX XXXX XXXX did not flag the transactions as suspicious. When we found out, a fraud alert was placed on the cards. New cards were sent out. When we received the cards they wouldnt work. We called again and new transcations were made but not from the cards. They sent new cards again. Then again. Then again. We still were not able to use the cards, but transactions were still being made online though cash app even though the physical cards would not work and the fraud was reported. XXXX XXXX continued to let these indiviuals drain the cards account and post payments from personal and company accounts so they could continue to pull money from the cards. XXXX XXXX was informed of this and continued to let it happen know the physical cards were not working and they were also made aware that the financial information was stolen when the truck, computer, and both phones and files containing the financial info was taken. They were informed that there were police reports and court documents and still insist that myself and card holders gained from these transactions. There are only XXXX card holders, my husband and myself. No one else is authorized to use the accounts except my son when he is given permission while doing business for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to XXXXXXXX XXXX XXXX  ( XXXXXXXX XXXX ) into test drive a XXXX XXXX. I already had XXXX XXXX XXXX XXXX approval. However the sales person specifically stated they can pull my XXXX application & have the funds sent directly over so I don't have to go to the branch to sign or pick up documents and the check. He asked for my information for the buyers order. However I get 6 credit alerts and a manager coming out to tell me it was a mistake and oh well nothing they're doing about it. Called back after no one contacted me after I requested it on XX/XX/2022, spoke to the person below the XXXX, however he said OH WELL, deal with it. I want the inquiries from XX/XX/2022 removed. I received the following XXXXXXXX XXXX XXXX, Capital One, & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
On XX/XX/XXXX I received a call from Chase in XXXX at XXXX CST asking if I was in their XXXX XXXX bank withdrawing funds. I stated no, as I was in XXXX at XXXX about to board a plane to XXXX. They stated they were going to lock my accounts & I would have to visit a branch to re-open the accounts. The banks were closed on the XXXX & XXXX, but when checking my bank app I notice that {$4000.00} had been withdrawn at the Chase in XXXX at XXXX CST & that it was not my signature on the withdrawal slip. I called Chase on the XXXX to speak to their fraud dept & they asked me to file a claim with their claims dept which I did on XX/XX/XXXX. I was told I would receive an answer within XXXX business days. After 5 days I called their claims dept to inquire on the status & was told it was still under review. On XX/XX/XXXX I received a letter from Chase denying the claim stating that I either authorized the withdrawal or received benefit from it. I called the claims dept. & asked how it could be denied as I didn't authorize the withdrawal, plus it was physically impossible for me to be in XXXX at the same time withdrawing money as I was in XXXX boarding a flight. I told them that they had called me ironically XXXX minutes after the money had already been withdrawn. Additionally, the fact that they locked down my account when I told them I was not at the bank, so how was the withdrawal authorized by me & then why lock my account. They stated I needed a declaration with a copy of my license so they could check the signatures. On XX/XX/XXXX I went to a branch in XXXX TX, & the branch manager assisted me & on my behalf faxed a copy of my license, my flight itinerary, flight taken confirmation & record of the incoming call & time from Chase on the XXXX. With the branch manager present they stated I would hear back from the claims dept within XXXX business days. After 3 days I called on XX/XX/XXXX, XXXX & XXXX. Each time I was told I would hear back within XXXX hours. I emailed Chase on XXXX outlining the above. Received a message back to contact their fraud dept., which I did on XX/XX/XXXX. They passed me back to the claims dept. which they stated that the signatures did not look the same, they had received my declaration & I would hear back in XXXX business days. On XX/XX/XXXX I received another letter from the claims dept. repeating the same message as XX/XX/XXXX, that the claim was denied since I either authorized or benefited from the withdrawal on XX/XX/XXXX. This is clearly fraudulent on Chase 's behalf as they didn't properly go through the verification process for the withdrawal, as stated by the branch manager in XXXX. I have proof that it was not me who fraudulently withdrew the {$4000.00}, nor did I authorize it, otherwise why would my account be locked. Please investigate this as I'm sure there are many others who are being defrauded by Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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: DISCOVER BANK
State: MN

Complaint narrative:
Back in 2020 I signed a purchase agreement for new appliances, and services to have all these appliances set up in my home. However they said a week after I signed an agreement that the appliances would not be connected because of covid. So I was not ok with that ; as I signed an agreement to have all services installed and working in my home. So I cancelled all appliances and services with XXXX XXXX, and they totally agree with this, and I do have a voice recording of this. However ; discover will not remove the charges, and they are harassing 's me ; and they keep on adding more charges to my account, I am so tired of these games Discover is playing, and want this issue resolved. I closed my account with discover back in 2020, and cut up my card, decided that I am done with discover as well as XXXX XXXX. I want this taken care of so I can move on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and would like these items removed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXX XXXX  XXXX XXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given

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 2022-12-28 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:
Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX  XXXX XXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX XXXX because of it. I have not given

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The problem is too big and systemic for Customer Service to be useful, hence filing this complaint with the CFPB. 

We have a Costco Anywhere Visa Card By Citi. My husband changed his " cash advance PIN '' for the card on the Citi website. A week or two later, we received a letter dated XX/XX/2022 entitled " Confirmation : Your PIN has been issued '' with the PIN number that he chose printed twice on it. The problems : ( 1 ) the customer-chosen PIN number is not encrypted, making fraud a lot easier ( makes us wonder : what else is not encrypted? ). ( 2 ) the company printed our PIN and mailed it back to us, which is a big privacy concern.

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 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My car was repossesed after a Hit and Run accident XX/XX/2021. The car was sold for XXXX dollars. Not even a portion of what the car was actually worth, due to the fact the damage strictly in front of the car and the engine had less than XXXX XXXX miles on it.

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 2022-12-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Car inquiries I went into the dealership with a pre approval from XXXX XXXX XXXX, the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXXXXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
They have my social security number wrong. They inputted wrong social security number and will not accept my e mails with documents to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NM

Complaint narrative:
I have been trying to get the info corrected on my credit report since XX/XX/2022. 
I paid a judgement off in full to XXXX XXXX clerk of the court in XXXX XXXX in amount of {$10000.00} It is public record that the judgment was released. There is even a release of judgment sent to XXXX from clerk of XXXX court releasing the judgement. There is a copy of the certified letter that XXXX XXXX at XXXX XXXX  signed for the check and release and check was cashed per XXXX XXXX clerk of court. However my acct still shows as open and the balance owed has increased. 
I contacted all XXXX credit bureaus as well as XXXX XXXX  and I can not get this corrected. 
XXXX deleted the XXXX acct after reviewing the documents. However the other XXXX Equifax and XXXX just keep telling me they contacted XXXX and they say info is correct. It is NOT. This has affected my ability to take on any credit, car, credit cards etc For 8 months i have been trying to get this resolved. XXXX transferred my calls and then hung up on me twice!! All the info is public record on XXXX XXXX XXXX it takes XXXX seconds to look up on their website but, XXXX will not correct this issue, nor will Equifax or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AZ

Complaint narrative:
Recently, I looked I looked at my credit report, and it brought on a tre, mendous sadness.I have been feeling down XXXX XXXX  lately.this is harmful to my health and a defamation of my character. I found evidence that your organization didn't double check for accuracy before reporting it.in accordance with section 1681e ( b ) ( b ) Accuracy of a report of the United States Code 15 usc when a consumer reporting service creates a report of an individual, they are required to take reasonable measures to ensure the data is accurate as feasible.

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 2022-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-12-28 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account : 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  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation