vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an account at Capital 1 Bank and every month there is some scam transaction that goes thru my account. So there was a XXXX account listed as a transfer account but I didn't have a bankcard with account. I tried to see what atm card belong to this account so I made a Mock transfer of XXXX. Figuring if it was some one account that would get their attention, it wasn't suppose to go thru. But Capital1 in their unremarkable quest for their " Scam '' alerts let a {$99.00}. atm transaction through. Making my account overdrawn. The transaction went back to XXXX without finding out what atm account it belong to. 
So now I'm transferring my account because they have frozen my social security check and made it so I can't pay rent. They did this in retaliation for my leaving. There has been NO explanation on their part. And I want the hold lifted so I can get my funds and put my money were it's safe. 
This is wrong to deny a Social Security recipient of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From Experian, XXXX XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From Experian, XXXX XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted

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 2023-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I got a Phone call from someone claimed to be a collection agency trying to forced me to pay a debt. I told her that I didn't recognized the debt she was referring to and I need her to send me a letter of validation and I never received it. Now they sent my name to collection and I want it removed due to not following protocol and not giving me an opportunity to either dispute or pay. Also requesting a disciplinary action against this company for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The mortgage is too high for me on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-08-04 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm reaching out to let the credit bureaus know to knock it off this game they are playing with the banks. i am no fool i am aware the credit bureaus are being monopolized by the banks to dish out higher rates to consumers. i have been closely watching what has been going on with my credit for some time now and i have good information within my credit file reporting to the credit bureaus and yet every time i get close to hitting XXXX i get dropped and i even have a graph supporting my claim that shows score dropping every time i get close to hitting XXXX and every time i check why their is no explanation at all like seen in the image below

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 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Your reporting inaccurate information on my credit report, this is the second time im mailing you this account is in violation of my right s ACC- XXXX XXXX # XXXX, i did not open this account or have ties to it as transunion failed repeatedly in doing an accurate investigation and removing this account from my report, because this account was removed from my report and was put back as charge off i have evidence showing the account got removed then put back on my report this is against the law and my rights i've sent in proof showing my State ID with my information on it and other proof as you requested but you still refuse to delete the account off my report, you are furnishing outdated and irrelevant account ( CHARGE OFF/ CLOSED ACCOUNT ) on my report on the promise that the credit report is supposed to be accurate 15 US C 1681 b, speaks on the relevancy of the consumer report and the obligation you have to report accurate information, which means your in violation of reporting accuracy and fairness of my credit report you must delete this account. You have damaged my reputation my character and my mode of living, this information needs to be deleted

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 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PACIFIC PREMIER BANCORP, INC.
State: TX

Complaint narrative:
The account was open XX/XX/XXXX, I paid the balance off at {$37.00} or more a month and the credit card remained in good standings. I continued to pay the monthly fees until XXXX XXXX. I requested the card closed today XXXX XXXX, XXXX, the creditor said the account was closed already though I would still have to pay the monthly fees and remaining balance. The creditor does not understand the positive balance after it remained the balance after it was paid off by a the time frame of the credit account. The creditor closed the account around XX/XX/XXXX, though it is not closed. I contacted the creditor XXXX XXXX, XXXX to close the account, the creditor said it was closed but they would still bill me for the positive balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-08-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-04 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX XXXX XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America {$320.00} from business account that was already resolved with police report due to check book being stole.They can tell me what the charge is from. Ive been calling for years.

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 2023-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
After applying for a XXXX I received various notifications that the loan was denied because the " debt to income ratio did not meet guidelines ''. This was evidently due to a large part of my income depending on rental income. I requested detailed information about how they calculated the income, debt and debt to income ratio. My request was ignored. I subsequently wrote a letter directly to the CEO of the XXXX XXXX again asking for information about how the income, debt and debt to income ratio were calculated. The letter was not even acknowledged as I received no response at all. 
It is the XXXX XXXX 's prerogative to use whatever criteria they want in processing loans but when they deny a loan they should at least provide all the information to clarify the basis they used to deny it. Furthermore, they should respond to letters from members.

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: NH

Complaint narrative:
A gentleman by the name of XXXX XXXX, from XXXX XXXX, called my XXXX XXXX XXXX XXXX XXXX XXXX  ; after I had already spoke to his associate a week early and gave him all the information for the law office I am using to help settle my debt. He had everyone in my family scared to death thinking something had happen to me. I got his phone number from my XXXX  and called him back and explained I had already spoke to someone at his company about the debt and gave them the information for my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I received wired funds to my NFCU account. Apparently, the sender had problems with her account at XXXX XXXX XXXX Bank. XXXX & XXXX then reversed the deposit to my account weeks later and NFCU gave them my personal funds in the amount of {$1100.00}, without notifying me. NFCU nor XXXX & XXXX will provide any information on why my account was used to correct a discrepancy caused by another party at another bank. I have been refused an explanation by all involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened my Chase Visa card in a predominantly XXXX zip code ( XXXX ) and since then they have charged me 30 % interest. This year alone I have paid {$2400.00} in interest. My XXXX card opened in the XXXX  XXXX zip code XXXX charges me 9.99 % interest. I asked Chase to match that and they refused. I have a total of {$10000.00} in auto debt on a 36 month loan with 30 month to go. I have {$21000.00} in revolving debt including the {$8700.00} ( most of which is interest ) owed to Chase. I paid off my mortgage early. My student loans were forgiven through PSFL and I paid off my last car loan early. Yet Chase claims the 30 % interest is justified. I think the reason is exploitation and discrimination because my house was located in a XXXX neighborhood and I would like Chase to be investigated for redlining. Since XXXX XXXX is okay with 9.99 % the only difference is the zip codes where they started.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Amount owed is false amount and Midland Credit Management has no copy of original contract or witness to me signing such. My information was obtained without my consent and is in violation of my privacy according to 15 USC 1681 Section 602, 15 UUSC 1681 Section 604 A Section 2, also 15 USC 1666B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/2023 I received a call from a person/persons claiming to represent CashApp and telling me in no uncertain terms that someone was trying to access my account and take numerous different amounts of cash from three locations. I have never had a problem with CashApp as far as my account being accessed fraudulently. So of course I listened to the ways I could prevent theses unknown people from taking my money. After about 10 minutes into the conversation while I was following instructions the agent/ or whomever asked me to transfer money from my other Account that was also connected to my Cashapp account, that's what made me think and I said to myself let me check my account and at that time my account was at XXXX. I was hacked and didn't realize it because of the trust I had in CashApp to keep my account secure. I reached out to cashapp filed the necessary complaints and followed their email instructions to file the complaint and they were quick to deny my request to pay my money back. I also reached out to my bank which is XXXX XXXX to file a complaint they would not allow me to file a complaint there response was they don't give money back that was taken from a Third Party bank such as CashApp.

Company response to consumer: Closed with explanation