vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-25 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: OK

Complaint narrative:
XX/XX/XXXX I received a credit update on my XXXX XXXX account. I received a hard inquiry from a finance affiliate of XXXX XXXX called XXXX XXXX XXXXk. I inquired with Transunion ( who is the only agency with this reported ) and XXXX XXXX about getting this removed. 

I was later a victim of identity them by a person in Louisiana. They went to two different XXXX  stores in XXXX XXXX and then in XXXX Louisiana to try and get some financing using my identity. Those inquiries were immediately resolved unlike the XXXX XXXX. 

I immediately put a fraud alert on my credit account. 

I filed a police report on XX/XX/XXXX with the XXXX Oklahoma Police Department. Case number XXXX. In early XXXX XXXX XXXX XXXX sent me a package that required me to send proof of Identity and the police report. In later XXXX XXXX XXXX XXXX sent a letter reply confirming the belief that I was a victim of Identity Theft. The letter also said it could take 30-60 days for my credit to update. 

My score did not change after 30 days so I contacted Transunion to confirm that they received a removal request from XXXX XXXX XXXX. They said they did not receive anything. I then contacted XXXX XXXX and they could not confirm that a removal request was sent. So, they sent another one in XXXX. 

I waited 60 days this time and still no change. I contacted XXXX XXXX XXXX and sent them a letter. They received my letter and " expedited my request '' on XX/XX/XXXX and confirmed they they indeed contacted Transunion on XX/XX/XXXX about the removal request. They again stressed that it would take up to 60 days. 

I requested that their fraud department send me the letter so that I could send it to Transunion. They were adamant that they could not send me a letter. 

It is now XX/XX/XXXX, almost 2 months since XXXX XXXX claimed to have sent a removal request to the credit agency. I contacted Transunion 's Fraud department and they still say they have received no such request. They asked that I send the police report, 2 forms of ID, and a letter requesting the removal. I sent the letter with the requested information at 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 explanation
Consumer complaint received 2021-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I was reported 30 days late on XX/XX/XXXX due to no fault of my own. I had a secured line of credit with Bank of America which was due on the XXXX of every month. Over five years ago I set this account up on auto-pay online through my B of A banking site because I care about my credit and do not want any late payments on my record. Every payment came out on time and posted 1 day prior to the due date until XXXX XXXX. These two months no payment was sent on my behalf and I was not aware of this. I paid off the account in full as soon as I found out. I reached out to numerous B of A customer service reps both from my bank and the credit side and all they kept saying was that the account was set up on auto-pay for only a specified time which I allegedly set up. I never set up an end date, I have never even heard of this process before. Every account I set up on auto-pay is continuous until I manually cancel it. 
I was very upset about not being helped, even after emailing XXXX that I closed all of my accounts with B of A. 
Just today, XX/XX/XXXX I spoke with a rep named XXXX that told me he dug deep into the account and found out that a B of A rep named XXXX canceled the auto-pay without my consent XX/XX/XXXX. I have no idea why anyone would do this. I never requested this or consented whatsoever. At that time I only contacted B of A regarding a lien that was reporting on my home which was incorrect as well. I never contacted them to stop the auto-pay because this would not be beneficial to me at all. I have always been responsible and paid for everything on time. 
B of A refused to remove this late even though it was one of their reps that did this. 
I did not receive statements for the month of XXXX and XXXX either so I did not know my payments didn't come out.

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 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XXXX my insurance Adjuster made 5 payments to my chime account but 2 of the payments was for my boyfriend. So chime sent me a email saying they couldnt deposit the money because he was not on my account. So they only deposited 3 of the 5 which had my name on it. Then on XXXX chime went back in my account and took 2 of the 3 payments they deposited in my account.

2 of the payments was XXXX each and 3 payments of XXXX. 

My adjuster did a void on my boyfriend 2 payments and they bank received those two payments back but the money missing out my account was not returned to the adjuster bank.

Chime banking- XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( my adjuster name is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: UPGRADE, INC.
State: MS

Complaint narrative:
The company is Upgrade and they made a hard inquiry on my credit report and I was alerted that it was made. This was not authorized and I did not apply. I tried calling this Upgrade company only to be put on hold for 62 minutes with a recording being played constantly saying someone would be with me shortly. I have frozen all three creditors ( XXXX, XXXX, and XXXX  ). 

The email I received was sent at XXXX XXXX  CST and it was for a Personal Credit Line. It was supposedly issued be XXXX XXXX XXXX, a New Jersey State Chartered Commercial Bank, Member FDIC, Equal Housing Lender. The Upgrade Card was issued by XXXX XXXX, Member FDIC, pursuant to a license from Visa U.S.A. Inc. 

I also file a complaint with the Internet Crime Complaint Center but I want whoever is doing this stopped and this inquiry removed from my report. I don't want this to happen to anyone else. I have worked hard to increase my credit score and this has thrown me for a loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I file a dispute with XXXX, XXXX and XXXX and its has been well over 30 days and I havent receive any investigation results.

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 2021-06-25 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:
Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to Equifax and XXXX continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!! 

The following fraudulent accounts are 1.. XXXX XXXX XXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX ( XXXX XXXX XXXX ) {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In reference to complaint # XXXX Chase credit card that was stolen on XX/XX/XXXX - used at XXXX not by me on XXXX XXXX in XXXX MO by to 2 young males that police have on a video - I have a police report. 

Chase Credit Card XXXX XXXX XXXX XXXX For amount of {$500.00} Received letter from Credit Card company stating I had the card in my possession and would not reverse credit card purchase. They are stealing my money the clerk at the store should have asked for ID - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2021,XX/XX/2021,XX/XX/2021 sent numerous of factual disputes on Santander consumer USA including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and XXXX  keep reporting my information as updated with the same errors.Santander also updated my account saying I paid {$2.00} which was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XX/XX/2021 my account was locked because of my XXXX deposit and has been locked ever since. I sent in documents XX/XX/XXXX and then was told my bank account was closed because of it and they were sending the money back to the SBA which is impossible because the money is still locked in the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have written letters to Navient Private Student Loans and XXXX  XXXX XXXX XXXX Credit Department for them to remove the incorrect remarks off of my credit report. The comments on my credit report reads as follows : Dispute Resolved/Consumer Disagrees. This comment is preventing me from moving forward with me purchasing a home. My lender from XXXX XXXX XXXX, tried to pull my credit file and could not obtain the file due to XXXX  having a block on the file and the incorrect comments that I have mentioned previously. I am so tired of going back and forth with these agencies. I am really tired and I need someone to intervene between these companies. I have written letters in XXXX, XXXX and XXXX of 2021 and nothing has happened. I need to move. My son and I are living with someone and she wants us to leave and I need to move. I have gone through XXXX XXXX XXXX XXXX  workshop and worked and repaired my credit and now I am at the point where I can go to a lender for financing and this obstacle is preventing me from moving forward. 

Please help, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Per 15 USC 1681b ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with written instructions of the consumer to whom it relates. 

I have not given any written instructions to XXXX, XXXX  or XXXX to furnish a consumer report with the Department of Education/ Navient . This is a violation of my consumer right to privacy. 

I am requesting this be deleted from my consumer report immediately. 

Per 15 USC 1681n ( a ) Any person who willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( 2. ) in the case of liability of a natural person for obtaining a consumer report under pretenses r knowingly without a permissible purpose, actual damage sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

Per 15USC 1681n ( a ) ( 2 ) I have damaged by this consumer report who had no right to furnish because they had no written consistent from me to do so. My consumer report is damaged. I am demanding my {$1000.00} for violation of my right AND for Navient to be deleted from all 3 agencys, XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 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: LA

Complaint narrative:
I XXXX XXXX XXXX the natural person and consumer have had my rights to my consumer report violated.Pursuant to 15 USC 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
Experian has been given its due process of 4 days to remove these fraudulent accounts & have not followed the laws that were set in place for them to follow!! Law is Law there is no substitute for it.I need these accounts removed from MY CONSUMER REPORT Immediately as this has caused heartache and trauma to my ability to obtain property or otherwise.

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 2021-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX a second loan was opened for the same car by the dealership because they made an error and instead of correcting the error Wells Fargo opened the second auto account and checked my credit again. When I brought this to Wells Fargo attention they had no idea what happened, I called them on XX/XX/XXXX to alert them of the situation. I called them again on the XXXX to discuss the situation further and to see the actions that would be taken to correct the issue. The escalation department followed up with me on XX/XX/XXXX telling me what happened and that situation would be corrected, the second loan would be deleted and that they had received the payoff check from my credit union where I had already refinanced the car on XX/XX/XXXX. The representative also spoke to the loan officer at my credit union advising that every thing was taken care of and the money would be applied and corrected to the first loan and the loan for the car was released to the credit union. On XX/XX/XXXX I discovered that the loan for the car had been paid off with my credit union and Wells Fargo are the ones who paid it off. When I called Wells Fargo they advised that I had not paid off the account and that the loan was still open and active with them and that it needed to be paid. I advised that I had spoken to someone in their escalations department and they advised everything thing they had taken care of. They advised that they were not sure why but the check was reissued. On XX/XX/XXXX I was contacted by the escalations department again and they advised that they wanted to speak to someone at my credit union and tried her best to advise why the check was sent back and see if the credit union would reissue the check to them. Luckily my credit union was ok with not checking my credit again since it has dropped from the amount of checks it has had recently. Wells Fargo advised they would be issuing a credit correction for me but when I asked on the XXXX I was advised that it also hadn't been completed yet. I was advised on XX/XX/XXXX that the credit correction would be done and still nothing yet.

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 2021-06-25 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:
Ive sent numerous 605b and FTC reports to Transunion XXXX  and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1.XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached

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 2021-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
On XX/XX/2021 I applied for a mortgage at a company in XXXX called cross country mortgage XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I told the lady my basic information and she said I will have no issue being pre approved. She then about a week or two later said I can not be approved for the convention loan, she was rushing to get off the phone with me. I then emailed her and said I wanted the FHA loan, she never responded to me. I then called another mortgage broker based out of RI within the 30 day silo or shop around period, he pulled my credit and now the median score was XXXX points lower. I then called another cross country mortgage in PA and they said they would have given me the FHA loan. I tried to call cross country mortgage in XXXX from a different phone number I got an answer and the lady said it could be possible to transfer my file to a different office.This office in XXXX is discriminating against me. This does also not explain why my score dropped so much, when it should not have because I was in the 30 day period to shop around for a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX This company is going to make money off my XXXX XXXX  at a business they paid and a business who furthermore blackmailed me and threatened my family 's life. 

Do not do business with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX - {$400.00} XX/XX/XXXX - {$600.00} I got scammed thinking I was purchasing a puppy. When I called the bank on XX/XX/XXXX after finding out it was a scam, the bank ( XXXX/Zelle ) they refused to stop or refund the money. I was told there was nothing they could do. I have contacted an individual at the address provided by the scammer and she told me her identity was stolen two weeks before when she fell for the same scam. I have also contacted my XXXX to file a claim for possible identity theft, but I have not received any help from them either as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
Recently I submitted applications for a Citi XXXX, and a Citi XXXX XXXX XXXX cards. According to a representitive that I spoke with, I should submit new applications, since I could not reopen these accounts. 
In two separate letters, I was informed that both applications were denied. In both letters, there was one single reason : Too many applications submitted.

I have only submitted two applications, the two XXXX XXXX cards. 

It would've been nice if Citi had cited how many applications were acceptable, I could've saved a hard inquiry. Maybe showing me a pop-up window informing me that I have reached the acceptable number of applications. 



I would also like to reopen my Citi  XXXX XXXX card, however, I do not know the number on the card to present, because the card was destroyed.

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