vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST
State: AZ

Complaint narrative:
I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX. 
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money. 
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.

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 2021-11-28 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I am in the process of buying my home. delivers documents to only three types of home loan agencies. one is XXXX XXXX XXXX, Navyfederal and XXXX XXXX  XXXX. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: MANN FINANCIAL INC.
State: PR

Complaint narrative:
I am in the process of buying my home. delivers documents to only XX/XX/XXXX types of home loan agencies. one is XXXX XXXX mortgage, XX/XX/XXXX and Mann Mortgage LLC. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: GA

Complaint narrative:
On XX/XX/2021 I sent a Debt Verification letter to XXXX XXXX # XXXX and i did not receive any correspondence withn the time frame intended. since then i have been disputing this account for 6-7 months. I have not gotten a investigation on my acccount this is truly affecting my credit and my ableness to get credit. Transunion continues to report this misleading information. I have been violated of my consumer rights with transuion refusing to do a investigation. I will be listing out the laws were violated. 

15 usc 1692c ( c ) ( XXXX ) ( XXXX ) ( XXXX ) 15 usc 1692j 15 usc 1681i ( A ) ( XXXX )

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: OH

Complaint narrative:
I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me from XXXX, Experian and 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 2021-11-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MA

Complaint narrative:
My signature was forged on a lease release agreement form. This form was sent to me by the XXXX XXXX group on XX/XX/XXXX to extend the lease beyond my intended moving out date. I was asked to sign this form many times but I declined. After I moved out, the XXXX XXXX group claimed I owed rent for an additional month. I disagreed, as I had never signed this form. They nevertheless assigned a debt collections agency ( I.C. System Inc based in XXXX XXXX MN XXXX ) to collect the supposed debt. When I requested the debt collections agency to verify the debt. they sent me the lease release agreement form. To my shock, they have forged my signature on the form with a date of XX/XX/XXXX next to my name. I can prove in multiple ways that this is not valid. For one, the signature looks nothing like mine. For another, I have email records from XX/XX/XXXX ( after the date that they falsified my signature ) from the XXXX XXXX group requesting me to sign the form.

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 2021-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I received notification from Venmo on Friday night via text message with an access code. I did not sign up for Venmo. I went to the website and saw that I could log in with my phone number ( XXXX XXXX XXXX ), even though I never signed up. The email address on the Venmo account I did not recognize. When I contacted Venmo they made me submit documentation to prove the number was mine I submitted screenshot from the XXXX app and my XXXX setting to clearly evidence the number was mine. They responded today stating they could not remove the number and someone would contact me in a few days My number is being used by someone other than me for money services and Venmo has done nothing to address it despite multiple attempts. They also do not have weekend hours to address identify fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021, I've used The Wells Fargo credit card on a car rental while I travelled to XXXX. The rental company was at the airport, with no prior reservation. I was told a certain price, late-night arriving a long flight and I agreed, my main concern would have been the security deposit, for which this company XXXX Rental CaXXXX asked for XXXX Euro deposit. I've picked up the car, SIGN THE RENTAL CONTRACT and give my Wells Fargo credit card. 
XXXX days after, I've checked my statement online, my card was charged a huge amount ( {$4100.00} ), so I've called the rental office and I was told that was a misunderstanding between us, the amount told was referring actually/month, I needed the car for XXXX days. When I ask the price for XXXX days, the rental agent/owner told me XXXXEuro with XXXXeuro deposit. He agreed to take the car back. 
Dropping off the car on XX/XX/2021, I was very nervous because that can not ever happen when I request a quote, and I was told that my credit card would be credited the rest of unused days = XXXX days. He said that I will receive an email with my bill. 
As of today, that car rental never returned a penny, I disputed XXXX with Wells Fargo and both times I was denied. Spoke to the executive dept, the same answer. Last week I've closed the account with them, there is no way for me to pay that amount for XXXX days of rental, XXXX closed the XXXX claims while I was abroad they would send everything thru the mail, by the time I could talk to someone in regard to my claim, my claim would be closed because of certain days limit. I've tried very hard to talk to Wells Fargo/many times they don't care and want to keep me responsible for something that I have not used. The rental agency rented the car under my eyes to another person because it was a busy time of the year. 
I don t know what to do to resolve this dispute and no have my credit affected. 
I feel that I am a victim of that car rental and Wells Fargo, never gave me the chance to appeal, keeping me responsible for a huge amount that I can not pay it. I had to rent another car while I was there because I need it, I have proof of that. The only reason I've returned the car was the fact that I was lied about the cost and overcharged. While I was in XXXX I did fill a police report and consumer report to help me out, when I sent it to Wells Fargo they ignore it because was in a foreign language!! I am including in my docs THE XXXX REVIEW answer from the rental company to my complaint. I need help on resolving this dispute, I feel really a victim in using a credit card abroad with no help from Wells Fargo.

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 2021-11-28 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:
Im filing this complaint because after checking my credit report in XXXX I sent Experian a letter with all the the information that did not belong to me along with proof of identification. 



ACCOUNTS : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX  XXXX XX/XX/XXXX They have completely ignored my request and have removed anything from my credit report. Nor have they responded to any of the mail I have sent them on more than one occasion. 

Can you please have them update my credit report with the correct information. I filed a new FTC report because I could not find the old one. 

when I spoke to representative of Experian they let me know that I needed to attach that affidavit to this complaint.

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 2021-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX dated XXXX, issued by XXXX XXXX XXXXXXXX, which recorded the XXXX XXXX XXXX  with the XXXX of XXXX XXXX. Chase now claims ownership but no documents were filed by XXXX, with the government recording agency. We are trying to ascertain the distribution and payment amounts, and close out the XXXX of XXXX. 

After we sent several letters to Chase we received a response several months later. By letter dated XXXX, Chase indicated : " ... the additional history that was requested is unattainable .... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
my information was stolon

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

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 2021-11-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I received my statement for XX/XX/2021 showing that I had not made any payment in XXXX of XXXX. The bank is demanding that I pay double payments to make up for the missing payment, as well as penalties. The payment was made on XX/XX/2021, which is the same day that their statement was sent to me. The payment is not actually due until the XXXX of the month, so the bank is saying that I made the payment too early, and therefore they credited it to my principal, but would not count it as a payment, even though my online statement shows " Payment Received on XX/XX/2021. I called their customer service, and was told that since I made the payment early, that I had to pay it again, because they will not count the payment I made. I also had {$1000.00} sent to that account from the XXXXXXXX that I used the card for, since my service did not cost as much as expected. This payment was made almost XXXX weeks before my XXXX due date of the XXXX. Again, they are refusing to allow me to use any portion of this as a payment, and are sending me e-mail, text, and phone messages daily demanding XXXX months payments, plus penalties. I have always made my payments on time to these people, but apparently they believe they have the right to charge me any amount they wish at any time.

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 2021-11-28 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: Medical Data Systems, Inc.
State: VA

Complaint narrative:
On XX/XX/2020, XXXX XXXX XXXX XXXX owed does not belong to me. The Medial Day Systems company failed to disclose validation of account. Disputes have been made to all credit reporting agencies. XXXX removed the account, but XXXX and XXXX failed to remove the account after disputing that account does not belong to me. These agencies also did not provide any information regarding their findings. XXXX and XXXX did not provide any documentation and failed to remove these accounts off of my credit report in the timeframe of the federal law. According to the FCRA, this company and credit bureaus have violated my rights as a consumer.

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 2021-11-28 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: TX

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my passport as proof of my identity, and a utility bill as proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I was at a dealership, XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX Florida. They told me they were just going to do a soft credit check to see my credit score and I only authorized for that to be checked. They then without my authorization ran my social through a Kia Motor Finance without even asking me if they could that. I asked them about it because the sales person was acting very strange and did not bring a manager over, I asked her if they were doing something else, I specifically asked that my social would not be run through anything else because I did not give any authorization for it. She said they had not run anything yet but they in fact did and that affected my credit score. I want to report this because that affected my score without my authorization and I strongly believe that should be done about this. I did not want to check for any financing or loans we had not gotten to the point of discussing any of that and they lied to me, she told me they did not run my social and that they did not do any hard inquiries and they actually did. I want something to be done.

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 2021-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: OH

Complaint narrative:
Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old and this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX. 
XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation