vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IN

Complaint narrative:
I have not received a statement for the months of XX/XX/2022 and XX/XX/2022. This is my third request for the XX/XX/2022 statement. Please forward the XX/XX/2022 and XX/XX/2022 statements. 

Also I still can not access my account online. There is an issue with the system on your end. I can log on but it says my account data could not be verified. Please see the attached screenshot. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
It or identity was stolen go back as far as XXXXto currently also have my bank account lock out due this situation and it XXXX dollars and didn't receive taxes for XXXX XXXX and miss 3 stimulus checks want my funds in my account release and send out new checks from stimulus

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 2022-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Pay pal/ Synchrony Financial Bank states that I have a {$4900.00} credit limit account with them. There is a balance {$1400.00} that I supposedly used. I've never signed for that type of card or loan with them nor for that amount. I requested to see the original contract for proof the ownership for that account. They informed me that they don't have a contract to show me. 
The company has also made a payment to themselves on the account XXXX XXXX and stated it was from me in an effort to re-start the status of the account. Ive not made a payment to pay pal in XXXX from any account that I own because Ive been disputing the account since the closing on XX/XX/XXXX when I noticed the account details.

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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: PA

Complaint narrative:
I purchased a prepaid net spend debit card from XXXX XXXX, in the amount of {$45.00} I followed the instructions in order to activate my card. Unfortunately, the card wouldn't allow me to activate, not allow me to have access in usage of the card I spoke with net spend about the issue that was encountering After speaking with more than five representatives, that appeared to be quite incompetent in assisting me I was informed that the card was not only restricted I would be issued out a check for {$39.00} within ten business days It's been over two weeks since this problem has occurred Net spend, or XXXX  XXXX has not refunded my money Kindly rectify this matter please Cell ( XXXX ) XXXX Thank You 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 2022-09-03 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: NJ

Complaint narrative:
After checking my credit report today I notice a bunch of unauthorized Inquries. 

XXXX XXXXXXXX XXXXXXXX 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 2022-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have numerous inquiries on my credit report only because capital one pre approval stated that I was approved.Capital one wanted me to send in documents to confirm my identity and I did.im stuck with hard inquiries and points being taken off my credit score and no credit card.Um trying to build credit but capital one misled me by telling me I was approved but later stated that my documents were not.i don't understand.I did finally get an approval for a card XX/XX/XXXX but the card never came.I want all of the hard inquiries from capital one removed and I can apply for a card with a genuine and honest company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX  slanders and harasses me over a {$1400.00} bill that isn't mine! Refuses to remove from my credit report. I didn't use the account they billed me during the time I was billed and no longer lived at that address I didn't ever get a bill in the mail because I wasn't using that name or address or account and didn't realize it was still open! A person shouldn't get harassed everyday in their car by a group of men who slander and tell everyone they need " taken care of '' for a credit bill of {$1400.00} that is being disputed. I don't need taken care of, I'm a independent woman on my own paying my bills for 17 years!!!! I didn't know there was a bill until it appeared on my credit report!!!!!!!!! Even if it was my bill, which it isn't, I don't have to pay a company that slanders me defames me and XXXX harasses me over a {$1400.00} bill. Who the XXXX XXXX XXXX XXXX XXXX XXXX * do you think you are?????? I don't need a man, I don't need a boyfriend, I don't need other people, what I need is for you to stop sending loan sharks to harass me in my car!!!!!!!!!!!!!!!!

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 2022-09-03 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: AR

Complaint narrative:
FOR THE PAST SEVERAL MONTHS EXPERIAN HAS REPORTED SOME FRAUDULENT ACCOUNTS AND ADDRESSES TO MY CREDIT FILE. AFTER TWO FRAUDULENT ADDRESSES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  WERE REMOVED I NOTICED THAT THESE ADDRESSES ARE REAPPEARING ON MY CREDIT REPORT AND SHOULD NOT BE. I'VE NEVER RESIDED OR ESTABLISHED OPENED ANY ACCOUNTS ASSOCIATED WITH THOSE ADDRESSES. I HAVE SENT EXPERIAN SEVERAL NOTICES REGARDING INACCURATE ADDRESSES AND ACCOUNS BUT EXPERIAN CONTINUES TO VIOLATE THE FAIR CREDIT REPORTING ACT AND MY RIGHTS AS A CONSUMER. THIS IS UNACCEPTABLE NOT TO MENTION THE REPORTING OF TWO FRAUD RELATED ACCOUNTS FROM XXXX XXXX AND XXXX XXXX WHICH EXPERIAN HAS RECEIVED A RECENT POLICE REPORT WITH THOSE ACCOUNTS INCLUDED IN THE POLICE REPORT 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 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
To Whom it May Concern, On XX/XX/2022, I received a call from what appeared to be our electric company XXXX XXXX, or commonly known as XXXX. 

A threat of electric disconnection unless immediate payment was transmitted via XXXX. 

I was provided 2 property addresses of buildings we own including the XXXX account numbers. The accounts were temporary because the units were empty. The electric accounts were in our names as landlord. 

I followed instruction and made 2 electric transfers to 2 XXXX accounts totaling {$860.00}. 

This turned out to be fraudulent. Not a scam but fraud. Somehow the caller had private XXXX account information, property addresses and name on the accounts. Had this info not been provided, I would have never made the electronic payments. 

With XXXX, there is no safety net. Once transmitted, the funds can not be reversed. 

I immediately contact Chase Bank fraud department. Followed up with 1. The IL Commerce Division, 2. The Office of the Comptroller, 3. The IL Attorney General, 4. The Special Financial Crimes Unit of the XXXX Police Department. Your department is the 5th authority pursed concerning this matter.

A 40 minute discussion with the XXXX Police Department Financial Crimes Dept revealed that the police will never prosecute Chase Bank. They simply explained that the man power does not exist. They said, we are lucky that such a small amount was stolen. 

We are not the only citizens to experience both fraud and scams using XXXX electronic payments. 

If XXXX digit is incorrect and funds are transmitted, there is no reversal available to the public. 

Unless a unified effort is garnered to regulate the 5 banks that own XXXX, unknown how many other banks offer XXXX, such financial fraud will continue against the unknowing public. 

We are respectively requesting a unified effort by all agencies to regulate or file litigation against the banks that control XXXX to create a safety net to reverse funds when using XXXX to transmit funds for any payment when fraudulent or a scam. 

The case # for the Office of the Comptroller of the Currency is # XXXX. 

Kindly let us know that this letter was received, if any further investigation is warranted and whether or not litigation against the banks that created and control XXXX electronic transfers would be pursued. 

Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I am not sure exactly when I started receiving calls from portfolio recovery company. I have perfect credit I have not received any letters in the mail I have not received anything online telling me that I owe anything to anybody. 
I am able to check my credit report through XXXX XXXX  anytime I want and it doesnt show that I owe anybody anything. this portfolio recovery calls from all different numbers and luckily my phone silences them but Im very tired of seeing this on my phone there is no reason for it since I do not owe them or anybody any money. I want this to stop. I have screen prints if needed for all the times they have called and from where. Thank you they all come in as portfoliorecov I will show you a few theres just too many. 
XX/XX/22 XXXX XXXX - XXXX l 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 The rest I dont know because I was just deleting them. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I transferred {$95000.00} to Synchrony Bank account on XX/XX/22. I was not aware that the account was closed prior to sending the money. Synchrony has not returned the money to the account from which the money was transferred as of XX/XX/22 and claims to have no record of any transaction. Synchrony Bank has effectively stolen {$95000.00} from me. I reported this theft to both my bank and the XXXX State Attorney General 's office so far. Next week I will report to the FBI and local law enforcement. If necessary, I will hire a lawyer and sue Synchrony Bank for all the money plus legal fees.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: AL

Complaint narrative:
I was told via Credit Karma that I was pre approved and after submitting my info along with a hard inquiry I was denied the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have reached out to XXXX, XXXX, and transunion by letter over 30 days ago and I still have not received a response, according to the FCRA credit reporting agencies have 30 days to respond. 

XXXX, XXXX and transunion is governed by 15 U.S.C1681.And they have violated my rights numerous of times. I demand the accounts attached to be removed from my account immediately According to 15 U.S.C 1681 I have the right to privacy and I did not give anyone permission to furnish these accounts. 

Please XXXX XXXX XXXX and handle according. If accounts can not be removed. I will filing a complaint with the attorney general and filing for litigation.

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 2022-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
There was one large transaction on XX/XX/2021 at XXXX XXXX totalling XXXX AUD. 
I wrote two dispute letters to Coinbase Company, and both were denied without a clear explanation. 

Their response is, well, not very good, in that it is based on just blatantly incorrect understanding of what I have to say. What amazes me is just how difficult it has been to find soundness in it. Their analysis, for instance, doesn't engage with the actual history of my account and a significant portion of related data that may contradict their position has been conveniently ignored. 

I have great respect for rational and honest discussion but no respect for misrepresentation. I detest the lies and distortions associated with their administration. They have failed to exercise due diligence and duty of care to substantiate their claims. 

This complex issue has caused substantial harm to me, and if not appropriately addressed, will continue to cause substantial harm to others, we must therefore conduct an in-depth and comprehensive review of all the contributing factors that have led to an outcome as horrendous as the one described herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 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: NJ

Complaint narrative:
After checking my credit report today I notice a bunch of unauthorized Inquries. 

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 XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation