vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-04 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: IN

Complaint narrative:
I went to Chase about credit and I was told I would get a soft inquiry on my credit report. Come to find out, there was a hard pull done and now it makes my credit look even worse than it already is. I am in a process of rebuilding it, and things like this don't help at all. Why would they tell me it wouldn't show up just for it to immediately do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: American First Finance, Inc.
State: TX

Complaint narrative:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Violation of FCRA Sec 604. Improper use of my credit report without my authorization. This company is reporting a fraudulent hard credit inquiry on my credit report. This is a violation of the FCRA Sec 604

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 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, the real natural person XXXX XXXX XXXX # XXXX did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. Please remove all fraudulent accounts as I have no know of any of these accounts due to the Equifax data breach/ identity theft. All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter and not a day later YOU HEARDDDD! 
This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I contacted CAPITAL ONE AUTO FINANCE about late payments on my now close auto loan. They reported to the credit bureau that I was late 4 times which was false. I told them I have documents proving my claim but no response what so ever from CAPITAL ONE AUTO FINANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. It has been well over 60 days and I have not received a response yet.I feel like I am being blatantly ignored by the bureau. Section 611 ( a ) of the FCRA says that a failure to investigate these items within 30 days is a sufficient reason to remove to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted or I will file for litigation due to the emotional stress you have caused. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I bought a Western Union money order from XXXX super market to pay my rent. i went directly from XXXX to my rental office and drop off the money order. Three days after the rental office called me and told me that the money order has a hold on it. I called western union and they had me going around in circles for the entire day until i start crying on the phone before someone decides to help me. The money orders that i bought is a total of XXXX and they accept the one for XXXX and placed a hold on the three for XXXX. My rental office is sending me on eviction and requesting a late payments with other fees meanwhile western union is placing such a inconvenience in my life. They told me i have to wait 30 days for the money to return to me. I have no other means to pay my rental office. i need help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: IL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal automatically blocked me from using their site without a reason. I was unable to withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: FL

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: NY

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've been receiving funds on my bank of america prepaid card from EDD unemployment insurance. After receiving two recent deposits equalling approximately a little over {$1300.00} from the Unemployment insurance. There was then two unauthorized withdraws from a XXXX XXXX  atm on XX/XX/XXXX and XX/XX/XXXX totalling {$1200.00}. One withdraw of {$880.00} and another of {$400.00} leaving the account with {$40.00}. Upon seeing this, I immediately contacted bank of america prepaid, I want to say around XX/XX/XXXX and filed a fraud claim on the transactions.They filed it and then told me to discard my prepaid debit card and that a replacement would be sent. The replacement was not sent instead I received a notice in the mail stating that because of concerns of my account being subject to fraud or suspicious activity that they have placed a block on the account and would take no further action. Also that if I wanted to have them reopen the claim to reconsider this to contact a number. I also did this. I am now attempting to file a police report to fax to them to back up this issue.I feel like bank of america is doing nothing to really see that this was fraud. The location of the XXXXXXXX XXXX atm withdrawal is a bank very close to an bank of america atm that I used once to withdraw money. If they look at all my transactions I either transfer the funds to my bank of america checking account or I use there atm but never from an atm with a surcharge fee.

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 2021-05-04 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: CA

Complaint narrative:
It has been over 60 days since I have not heard back regarding an investigation of inaccurate, unverifiable, and invalidated information. This is a clear violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
I am currently living at XXXX XXXX XXXX XXXX, louisiana and Select Portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX have seized the property and I have 20 now 14 days to get vacant the premises. I have written them to inform them that the state of Louisiana is in the midst of a pandemic and made partial payments that were returned. now that the property have been seized I will become homeless. I have been living at the residence since 2015 and have sent t hem proof of my residency. they state that since the mortgage holder has passed that I have no rights to the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed attempting to buy tickets to a concert on XXXX. I was told to transfer the money through Zelle XXXX XXXX $ XXXX and then the seller completely disappeared after I transferred the money. XXXX XXXX and Zelle deny being able to cancel the payment and wont investigate the scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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:
XXXX XXXX Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: CA

Complaint narrative:
On XX/XX/2021, I reached out to the three major bureaus about inaccurate information on my credit report, and asked for them to be corrected. It has been over 45 days and I still have not received a response in regards to my complaint, I feel as if I am being taken advantage of, and my rights are being violated! 15 U.S.C. 1692d states that companies are not allowed to abuse, harass, or damage my reputation. By reporting these late payments on my account I am being harassed and my reputation being damaged! I would request that these late payments be removed and updated to paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I participated in the HSBC account opening rewards last year. ( Open a checking account, and then meet the direct deposit of {$500.00} for three consecutive months, and I can receive {$200.00} in account opening rewards within 8 weeks after completing the task ), I am the first I contacted HSBC 's online customer service this time, and he told me that I had successfully completed the task, but the bonus payment needed to wait. About 2 months or so, I contacted HSBC again. The customer service told me that the task was completed. The {$200.00} bonus will be issued on XX/XX/XXXX. Two days ago, I contacted the customer service again to confirm whether the bonus can be received on XX/XX/XXXX. The customer service answered me that I am not eligible to receive the bonus and I am not eligible for the event.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery llc continues to fail to validate this account. Ive asked numerous times to show me a contract with my signature and they fail to do so. The bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.

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 2021-05-04 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: FL

Complaint narrative:
I have sent numerous certified letters to All 3 bureaus and never received a response via mail. One certified letter I sent was over 45 days until I had to call. It was about 4 accounts I asked them to validate and I never heard back from them. They stated it was verified almost 60 days when I called to follow up. But they never sent me what I requested. They have no actual evidence that those accounts are mine. 2 of them are actually hippa violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I just found this all though I've been asking for a readout on my acct for more than a year. I have a false loan amount of more than {$8600.00} that apparantly I've been paying for now for 2 years. And also I had a wreck last year and instead of my car getting fix with my full coverage insurance One Main took my check to fix my car and cashed it without my consent. And it didnt close the acct. Out I'm still paying for a damaged car and I never got a loan for {$8600.00} I can prove this. They are also charging me 31 % interest so i am completely upside down on a loan i cant ever payoff for a damaged car they took the money for. And the kicker on that is the say the didnt cash it though i can prove they did. In total i did borrow over a 3 year period XXXX and am paying back {$24000.00} this is crazy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 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: AL

Complaint narrative:
I have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing Equifax and XXXX  credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: GA

Complaint narrative:
I chose Better.com because they beat out another company on the loan estimate and they had overall better reviews. 

Since locking in the rate and paying the company {$150.00}, both my APR and MPI have increased significantly. Over the last 2 weeks the loan estimate changed twice in both these areas.

The APR went up 0.2 % and the {$140.00} per month on a $ XXXX loan. Therefore, creating an increase of {$300.00} more on my monthly mortgage payment. To say the least Im angry, frustrated and very concerned. I budget my expenses and try to live below my monthly income. However, what I find most interesting the closing costs keep decreasing. To keep me off track of my monthly payment increasing. 

I questioned Better.com and asked for an explanation. I received an answer regarding the PMI from XXXX PMI is affected by a number of factors such as XXXX, XXXX, XXXX XXXX, appraised value, and if any of these changes once your loan is in processing, your PMI quote can change. 
I went over this with my lead and it's very hard to say what exactly is causing PMI to increase as there are a number of factors that can affect this. 
We do work with a few different vendors and our system will automatically choose the PMI with best pricing. 
We won't have the settled amount until we reach the closing stage. 
If another lender is able to give you a number that would not change, I would completely understand if you would rather proceed with them. 
We want your business but in the end we want what works best for you as well. 

The appraisal has not been completed and Im 2 weeks away from closing. Can you please help and guide me?

I have also learned Better.com ONLY uses income as a determining factor for the loan and debt ratios. Therefore stocks and 401Ks do not play a huge part in the overall picture of the loan process.

Company response to consumer: Closed with explanation