vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMCB CARD OBTAIN A COPY OF MY CREDIT REPORT SEVERAL TIMES WITHOUT MY PERMISSION, CALLED COMPANY AND SPOKE WITH REP SHE ADVISED ME THAT THIS WILL BE DELETED OFF MY CREDIT REPORT. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Had a refinance over a year ago on vehicle I purchased in XXXX with original lien holder XXXX. Refinanced for lower rate last year with PenFed. They have added atleast XXXX dollars to my loan and all kinds of predatory fees. I have missed no payments. Should ha e been finished with loan in XXXX at latest. They've added 2-3 more years to my term. Loan # XXXX XXXX XXXX XXXX 

This is a predatory, rip off company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Some companies are reporting me as late and I don't know what's the most logical reason behind it so please look thoroughly at the documents as it contains what really happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone just opened credit card under my name through Walmart store and I want to report the fraud on it and I want this account and other credit card opened under my name to be close. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XXXX I've kept my credit frozen with Experian. 
On XX/XX/XXXX XXXX contact Experian to thaw my credit. I visited the Experian website and attempted to thaw my credit report using my personal identification number. Instead the website prompted me to create an account. Half way through the account creation process, the system timed out and said my identity could not be verified. I made repeated calls to customer service, but was unable to reach a person for assistance. At this point I'm unable to determine if my credit is frozen or thawed and I don't have access to my newly created Experian account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On Sunday evening, XX/XX/XXXX, I did a Zelle Money Transfer from a checking account at XXXX XXXX XXXX XXXX ( XXXX  ) to my gardener 's account to pay for work he had done during the week. I originally tried to send {$1700.00}, but the XXXX rules limit the daily amount to {$1500.00}, and I received notice to contact the Zelle XXXX at XXXX in order to verify that I wanted to continue with the transfer. I had a very informative discussion with XXXX personnel. They confirmed that the transfer of {$1500.00} would proceed and that the funds would be received by my gardener 's Zelle account within 3 business days. The {$1500.00} was debited from my checking account on XXXX XXXX  XX/XX/XXXX. By close of business on XXXX XX/XX/XXXX, the money had not be deposited to my gardener 's account, but he has received a notice that the transfer is " under review '' and the funds will not be available until XX/XX/XXXX. I know he has called his bank ( XXXX XXXX  XXXX and its customer service representative was unable to give an explanation for the delay, saying the delay was with the Zelle system. On XX/XX/XXXX, I called Zelle XXXX and talked to a customer support person. I was told that he could not provide any information on the status of the money transfer because Zelle doesn't keep any personal info and we need to contact our bankers. We're in a circular do-loop now. 

Zelle seems to be a black box that takes money in at one point and releases it at another point, but the money can't be tracker or accounted for during the transfer. The banks claim that Zelle is the " problem, '' but no one at Zelle could tell me what Zelle does to review the transfer or why it would take over a week to place the money in my gardener 's bank account. Zelle is not providing the advertised quick transfer service and it is making money on the delay in moving the funds. There is something fundamentally wrong here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My identity was stolen and used I paid off the debt to be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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:
Recently, I did an investigation on my creditr report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a check stolen in the mail and someone rewrote the check for {$1300.00}. They took it to XXXX XXXX  and cashed it and of course fifth third bank ( my bank ) removed XXXX from my account. This happened on XXXX XXXX, XXXX. It shouldn't take 3 months or longer to correct this and return the funds to me. XXXX XXXX  is dragging their feet on the investigation. I have filed a police report, a US postal report and domestic collections report at fifth third bank. The check was fraudulently cashed at XXXX XXXX and it's not my fault and I feel that I should be reimbursed immediately. Fifth third bank is telling me it could take 180 days and this is a ridiculous amount of time to withhold my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc.

Complaint narrative:
I transferred {$3000.00} on XX/XX/XXXX worth of funds to my Cryto.com account to make more investments in my crypto or XXXX account and certain individuals from the company are giving me the run around saying to do this do that and the funds will be there... I did everything they asked me to do and nothing is showing... I saw that their have been many complaints from customers who have experienced the same thing ... I don't know what to do at this point ... can you let me know what to do from here... thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation. 

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: SC

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report I have already disputed these items with the bureaus but they did not remove nor prove validation.

under sec. 602 " I have a right to privacy '' XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capio Partners, LLC
State: AR

Complaint narrative:
Hello, I have 2 companies, Assetcare & Capio Partners, reporting the same debt on my credit report. The debt theyre both referring to was initially stated as being started in XXXX ( per the Assetcare INITIAL report ). I disputed the debt from Assetcare about 2 months ago and the debt remained, but the date then changed to reflect that the debt was acquired in XX/XX/XXXX. I tried to then dispute again due to the inaccurate information change, but the debt came back verified. Today, XX/XX/XXXX I got a notification that Capio Partners is reporting the same debt from the medical company. So that leaves both debtors reporting the same debt. I feel like this has to be a scam. Please look into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Dear Rocket Mortgage, Lets make this matter simple. Please prove me proof that a payment was not made in XXXX that brought the account current. 

You are reporting that I was late in XX/XX/2022. Provide evidence that a payment was not made in this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: MA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}, Original Creditor : COLLECTION ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
I was in the process of modification paperwork and was able to call in and make two payments. Unfortunately I first tried to pay these payments over the Pennymacs online system but when you opt for modification it will not allow you to process a payment over the internet. My only option was to call and process them. I called to make two payments and casually mentioned to the agent if I could make these I probably would not need to move forward with the modification process. I was also frustrated I was unable to process these over the internet myself without giving an agent my checking numbers. I then proceeded to give the agent XXXX payment after she processed that she warned me that they would only be able to process 1 payment a day XX/XX/23 so then second would need to processed XX/XX/23 unfortunately. I said okay and continued giving her another checking number. Welp I am being told that payment was considered late and they slapped a 30 day late payment on my credit report. 
on XXXX we received two letters saying both payments were successfully applied to our mortgage account. The agent must have submited through the wrong checking and it never went through. Again something we could have avoided should they let us submit over the internet and not verbally. We did not receive notice that the payment failed and we kept checking to see why the payment was not taken out of one of the accounts and later after receiving credit alert we found out that they said we paid 30 days late. They also said since we canceled our modification it didn't matter when we paid the bill it was considered late. They claim our modification was canceled on XXXX? Im not sure why someone would cancel a modification and then submit a payment they knew would not go through. We are trying to protect our credit and I feel this was done sneakily through our lender. They have been less than helpful during all parts of the financial struggle I have had and less than cooperative during any discussion we have had to fix our account. As of now all payments are made and we are asking this be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: NC

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX have 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 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 non-monetary relief
Consumer complaint received 2023-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I contacted Penny Mac on XX/XX/XXXX about my payment of {$2400.00} which was reversed on XX/XX/XXXX because I received an assistance loan from the XXXX  XXXX in the amount of {$13000.00} which covered from XX/XX/XXXX thru XX/XX/XXXX. I have contacted PennyMac several times inquire about where my payment is that I made on {$2400.00} which has seemed to vanish into thin air. I was sent info saying it was in suspense ( as of XX/XX/XXXX it is not in suspense and only showed in suspense on XX/XX/XXXX ) and would be applied to my XXXX payment now I am being told it cant be because I am in Bankruptcy. My Trustee sends in payments all the time that go to suspense and gets applied to my loan eventually so that made no since for the rep to say that especially when my money wasnt in suspense. I called on yesterday I was also told their system says my next payment is not due until XXXX and the money was applied to my account. I told the rep I could not see it and she said give it a couple of days then I get a message later in the afternoon saying something totally different. Either PennyMac mismanaged the funds provided by the state or they are trying to rob me. I want my money applied to my XXXX payment or refunded back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I HAVE BEEN HACKED AND MY IDENTITY HAS BEEN ASSUMED BY OTHERS. GOOGLE SEARCH  AND WALLET ETC... HAS HAD STRANGE ACTIVITY FOR A LONG WHILE NOW, BUT HAS BEEN OVERT IN RECENT MONTHS. I HAVE AN XXXX BUSINESS ACCOUNT I AM NOT AWARE OF, I HAVE NO VEHICLE. MY XXXX XXXX XXXX  HAS BEEN CLONED, AND IS ASSOCIATED WITH A XXXX ACCOUNT. I HAVE PODCAST ACTIVITY AND AN ACCOUNT WITH XXXX THAT I AM NOT AWARE OF UNTIL RECENTLY. I HAVE A HOLD ON MY CREDIT REPORT THAT I PERSONALLY DID NOT REQUEST. MY XXXX XXXX HAS BEEN HACKED AND MY XXXX WIFI, AT ONE POINT I WAS THE ONLY ONE WITHOUT WIFI IN MY APT COMPLEX, THIS SITUATION HAPPENED IN XXXX, TX WITH XXXX, BEFORE MY ILLEGAL FORECLOSURE WITH XXXX XXXX, XXXX  CUT OFF MY INTERNET AND I WAS THE ONLY HOME WITHOUT IT. I HAVE MOVED FROM XXXX XXXX XXXX TO XXXX  AND THE SAME THINGS KEEP HAPPENING TO ME. I HAVE REPORTED TO LOCAL AUTHORITIES IN TX, FBI, CIA and the WHITE HOUSE DUE TO HAVING MAJOR ISSUES WITH XXXX DOD, DOL, USPS and OWCP. I HAVE INFO IN MY PHONE OF STRANGE HAPPENINGS, ANY HELP WOULD BE GREATLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Inquiries Needs to be removed do not have an account XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments Needs to be updated to OK or Paid as agreed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20 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: NC

Complaint narrative:
I have been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute XXXX and EQUIFAX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. EQUIFAX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.

Company response to consumer: Closed with explanation