vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I seen a lot of inquiries on my credit report that I dont give any company right to run my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I contacted ( XXXX XXXX ) who sent me a Pre-Approved offer on a personal loan Up to {$50000.00}. I spoke to representative XXXX who said oh! Sorry your application Has just been rejected because of insufficient income. I said I just learned about you ( company ) this week, I received this offer. 
Where did you get my financial information from? XXXX said from Experience Credit Bureau I said I dont know where they would have got my financial info from. 
I told XXXX I just turned down a company Who I went through their process To receive {$50.00} K or more but their fees too high 10.9 % = {$5400.00} fee to ( XXXX XXXX XXXX XXXX ) XXXX replied we got your information XX/XX/XXXX. 
Experian provided a form filled out requesting {$7000.00}. I said I do not recall asking for loan Offers and I dont know how they would know my finances. She said ( XXXX XXXX ) also Has shown this same information on my soft pull credit report. 
XX/XX/XXXX at XXXX XXXX  I spoke To Experian representative XXXX ( no ID provided ) Who i retold same concern that I told XXXX. 
XXXX put me on hold To research issue. I said I want to know did I request through Experian website loan offers because I am on App/ Website I do not see how to ask for personal loan offers. 
Are the offers I have been getting an inside thing offered me by Experian credit? Yes, XXXX said. I want proof that I asked and filled out this offer from XXXX XXXX. He said I just deleted your offers you wont be bothered any more. I asked more questions and he did not give any answer, then his phone disconnected. 
I called back at XXXX XXXX  putting in my social number as prompted. I was trying for live operator but auto voice only offered me options Of doing credit Alert or credit Freeze. 
How Rude and suspicious to end a customer call this way. To think I pay Monthly for them to do extra to protect my credit. 
I worked hard to maintain excellent credit status. 
It should be expected that All Credit Bureaus do all they can to protect not just me but all clients information. 
My expressed approval should have been obtained from me to share my information with others. 
My Credit is often kept on locked status But that has not stopped un solicited offers. which there have been many occurrences That my credit file was accessed by other companies doing a soft pull while I had my credit locked.

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase Bank account and they sent me a notice they were closing it a week after opening it, and did the same with XXXX XXXX, but with no notice, and the same result happened. I hadn't even had the chance to use either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My roommate helped me fill out my unemployment claim. I thought claim was denied and she cashed our over XXXX dollars without my knowledge. When I discovered the fraud I contacted Bank they closed my account until XXXX XXXX XXXX when I verified my i.d at bank. They hang up on me give me different answers and keep denying the claims. They put the dispute into 4 claims and they paid me on one in XXXX but keep denying the rest. I got a letter saying my claim would be in my card by XXXX but it wasn't and then they tell me it was denied on the XXXX. Everyone is passing the buck and nobody is resolving this. I need my money. Please help me. I filed police report and with the ftc

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 monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one closed my credit card due to a bankruptcy. I've never filed for bankruptcy and reached out to all three credit bureaus who all stated that my file has no bankruptcy. I've asked capital one where are they getting this information from but still haven't gotten an answer. Obviously it's a mistake but they automatically closed my account and embarrassed me at the store while trying to use my card. An investigation should of been done before assuming that I file for bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
My insurer provided me with information from my report that is incorrect, I have two accidents in 2019 that state I am at fault and are damaging my credit to obtain a good insurance rate. The first one in XXXX a lady rear-ended my car and there was no injury, and, in the record, they pulled from XXXX XXXX has me at fault. The second one is in XX/XX/2019, my son back up in my driveway hitting a tree and I went through the insurance for an estimate and did not go through with the claim, not knowing that would be in my record as it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I received a letter from Wells Fargo, The Subject was- Follow up to previously submitted complaint. There is a telephone number to call if you were sold something that you did not want or need By Wells Fargo Bank. WF wants to know how your complaint was resolved, Our complaint was never resolved we were just constantly lied to about out Mortgage Account for 10 Years, No one at WF can locate our account, Customer Service said no such account number, Mortgage Dept. said no such acct number, The supervisor at WF could not find account, WF purchased our loan in XXXX by some fake close at home book that is sitting on my lap, not signed or notorized and was never returned to WF because they were making us REFINANCE even though WF was purchasing my loan. We did not want to refinance but Wells Fargo said we had to this is the way its done so it can be done faster, The is no history of my : Loan from XXXX to XXXX, every bank report starts at XX/XX/XXXX, The Bank History and the Year to Date Loan History, The account also starts with no money in Escrow, when there was money in Escrow when they purchased us. Now that was gone, We were being charged for Hazarsd Insurance we did not need or ask for XXXX per month plus homeowners insurance also, 4 times WF has out us in foreclosure first time, we owed XXXX ... ... the second its XXXX plus XXXX lagte payments for 2 months and another charge of grounds kepping, i have the nicest cleanest house on the block, so take your XXXX inspection fees and just wait cause i have copies of every bit of money you took from me elegally, their are made up amounts that are made up to cover the Escrow i had to pay twice of XXXX. WF claims they never received a check I sent for XXXX if you look at the incoming payment There is XXXX in amount received and XXXX in Ecscrow and a amount left over that they put as a - whan the differenced was a plus, went into unapplied funds never to be seen again.

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 2021-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2021 I made an online purchase for {$2400.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. Not even a tracking number. I've attempted to contact the merchant and the merchant will not respond by phone nor email. They've not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. I filed an initial dispute with Citi Bank and received a denial letter dated XX/XX/2021 stating that Citi did not receive the necessary information from me concerning this dispute. Ive called Citi Bank and confirmed that my letter regarding this dispute was received on XX/XX/2021 and it satisfied every condition that was required of me, yet I was still denied for reasons unknown. The customer service agents that I spoke to couldn't tell me why I was denied and agreed that I did in fact complete every requirement asked of me. Ive attempted to file an appeal but I was told that it's not possible to speak to their investigations team. You can only speak to the dispute department that'll recommend you send a fax or email that'll be received by the investigations team and then that letter will be posted to your account in seven business days. I cant seem to receive a proper response or help from Citi. No updates on the dispute in the app, no phone calls. Just a letter of denial after satisfying all of their requirements. My dispute was ignored and never investigated by Citi. I've never had difficulty with any other bank handling a dispute or unauthorized transaction before.

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 2021-06-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: First Advantage LNS Inc.
State: DE

Complaint narrative:
I HAVE BEEN DISPUTING A ACCOUNT WITH XXXX SINCE XX/XX/2021. XXXX REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXXXXXX AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT XXXX IS ABLE TO " VERIFY ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Recovery Solutions Group, LLC
State: PA

Complaint narrative:
I have an attorney trying to contacted them to fix the problem and get to an arrangement but they do not want to do anything just keep bothering my family, friends, myself and they do not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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

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 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone had stolen my XXXXdentity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: CA

Complaint narrative:
Someone had stolen my Identity ( SSN and other ) and applied the personal loan in company called " XXXX XXXX ''. We have noticed that recently when we pulled our credit report. I have given below the loan details. 

Company gave the loan - XXXX XXXX XXXX Loan Amount - {$10000.00} Monthly Installment is debited from Pay check since XXXX We have reached out " XXXX XXXX XXXX '' to close the account and reimburse the money. But they closed our request saying that they didnt find any fraudulent during their investigation even though we have submitted all the proofs. 

I have attached below documents for your reference. Please let us know if you need more details. 

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

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 2021-06-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL RESPONSE XX/XX/2021 30 DAY RESPONSE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX and one of big 3 has broken state and federal laws concerning fraud on XXXX credit card from XXXX. The other 2 earased but XXXX  blocks me from getting on site even as paying customer. Then they have 6 hard inquiereys that they want take off. Also latee payments were not done by FAIR CREDIT REPORTING SECTION 604, 609, 611 AND 623. THESE FOREIGN WORKERS DO NOT DO ANY AMERICAN LAWS WHEN THEY FAKE PUTTING IN DISPUTES. I WANT XXXX FOR XXXX XXXX DOLLARS OFF ACCOUNT AND THEN THEY HAVE ME BEING LATE ON OTHER XXXX CARD AND NEVER LATE. 6 HARD INQUIEREYS WERE NEVER LOOKED AT. SO MANY ISSUES. EVERY BAD ISSUE SHOULD BE STRICKEN FROM MY FILE BECAUSE THAT IS LIKE 2 OTHERS THAT FOLLOW THE FCRA.

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 2021-06-22 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: GA

Complaint narrative:
Idonotrecallgivingmyauthorizationforthiscreditpull, pleasehelp me removethis. I also know that the FCRA states that only purposes for pulling someones credit report is : firm offer of credit, insurance, court order or employment. With that being said, I am unaware of the inquiries below, I never authorized such and I ask that your agency please remove from reporting on my credit report. There are also unknown address listed on my report, please help me update 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 2021-06-22 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: MO

Complaint narrative:
On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor. I have filed several disputes with the credit bureaus and they are responsible for the burden of proof and method of verification this debt is not accurate and should be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22 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: MO

Complaint narrative:
On XX/XX/XXXX, I sent this company a letter requesting that they validate the date and they sent me an itemized bill. The original creditor is trying to make me pay a deductible for services that wasn't performed. I informed my Warranty company XX/XX/XXXX that they did absolutely nothing just came out and didn't even look at the issue and said they can't do anything and they said I am NOT RESPONSIBLE FOR this debt. I then sent a letter to the collection agency on XX/XX/XXXX requesting for them to show proof that services were rendered by this company and they just said the debt was verified that is not accurate and they continue to report this debt on my credit when the Original creditor DOES NOT have proof that they even provided services. I am not in the process of pursuing civil litigation action and even pursuing obtaining a consumer rights attorney regarding the bureaus continuing to collect on this unverified debt. This debt collector as well as the original creditor are continuing the report this and is a violation because they are charging me for services that were never honored by the original creditor. I have filed several disputes with the credit bureaus and they are responsible for the burden of proof and method of verification this debt is not accurate and should be removed!

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