vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX We were conditionally approved for a mortgage with Lennar Mortgage for a home in XXXX XXXX. we were scheduled to close in XX/XX/XXXX me and my wife and our XXXX XXXX XXXX son moved in with our Daughter and Family temporally from XXXX XXXX until the home was done. so my wife had to switch jobs to XXXX  the mortgage company said that we needed more pay stubs from her new job so Lennar told us that they couldn't wait for us to close so they sold the house to someone else and they had our {$11000.00} dollars deposit and we had 1 year to use it so we picked another home in XXXX XXXX  so we had to stay with our Daughter and family until XXXX which was very stressful on us and our daughter and her family when we finally came to a closing date the mortgage company told us that we had to come up with {$13000.00} more for Points And our Rate because of not being locked in was higher and Lennar had our deposit already and we had another {$13000.00} in the bank for closing there was no way that we could come up with the other Closing cash so we had to cancel our loan and Lennar kept our Deposit of {$11000.00} and we couldn't get our loan they should return our deposit in full and we contacted Lennar several times and spoke to several people at Lennar in various locations and gave them our new address because of having to rent a Home for us and having a argument with our son in law we had to get the first place we could find in XXXX a person at Lennar said that she would send the office our new address and that they should be refunding our money soon its been since XXXX XXXX XXXX since our canceled contract and still did not receive our money or any correspondence from Lennar also we contacted FHA and was told that they had no Knowledge of us ever having a contract with them and they told us because Lennar did our Mortgage they do this all of the time and we should contact you for further Help

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 2023-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have a direct deposit with XXXX to pay my rent monthly, but since XX/XX/2023, I noticed that I've been charged by Wells Fargo Home Banking on my XXXX account. I contacted XXXX several times about been charged twice for my rent. XXXX told me that I was not have to pay the next month, but again I was charged twice on my account on XXXX, XXXX 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 2023-07-08 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: GA

Complaint narrative:
I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: GA

Complaint narrative:
I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The man I thought was my XXXX XXXX  applied for a credit card in my name without telling me. I never authorized for him to do so and I never gave him permission to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: NC

Complaint narrative:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an 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 2023-07-08 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: NC

Complaint narrative:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 an 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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A card was sent in my name from Capital One to my neighbor house XXXX XXXX XXXX is the address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Approximately XXXX of XXXX I closed my Chase bank account. In XX/XX/XXXX my 401k provider mistakenly made a deposit of {$2100.00} into the now-closed account. The 401k has frozen my account until I can pay the funds back. 

I contacted Chase bank in XXXX of XXXX and Chase stated that the transfer had been reversed and the money returned to the 401k provider. 

After nearly a year of trying to co-ordinate appointments with the 401k provider and Chase bank together, in XX/XX/XXXX Chase stated that the funds had in fact not been returned to the 401k provider and had been sent to me as a check back in XXXX. I never received this check and on XX/XX/XXXX I had an appointment with either XXXX or XXXX at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, MI. 

The specialist assigned to the case in the 401ks behalf was XXXX from the XXXX XXXX XXXX XXXX : XXXX The purpose of this meeting on XX/XX/XXXX was to sign an affidavit stating I did not receive the check and to cancel the check and have a new one reissued. So, I show up to the appointment only to be told that the paper I need to sign requires a notary and that a notary was not currently on duty. 

Because I have a life and responsibilities of my own, I was unable to return to the branch until XX/XX/XXXX. On XX/XX/XXXX I returned to Chase and spoke with XXXX XXXX. XXXX was very helpful, we got the paperwork signed and notarized and Billings followed up with my by phone later that day and told me that the Chase back office stated the check would be re-issued in 10-14 days. It has now been nearly a month and no sign of the check, and a year since Chase initially claimed that the money had already been sent back to my 401k.

Cumulatively, I have spent roughly 20 hours of my own time getting this issue sorted out. At the end of the day this isnt my money or a problem created as a result of any action taken on my part. XXXX XXXX XXXX  401k program fat fingered a deposit to an account Chase failed to close when I called and closed the account. Everyone at the XXXX XXXX XXXX and everyone at Chase bank is getting paid to give me the runaround and fix their mistakes free of charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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:
XXXX XXXX XXXX ACCOUNT IS INACCURATE REPORT IN MY CREDIT AND SHALL DELETE. 
ACCOUNT NUMBER : XXXX WITH A BALNACE OF {$27000.00} SHALL DELETE FROM MY CREDIT REPORT DUE TO FRAUD AND INACCURATE. 
THIS ACCOUNT IS CHARGED OFF AND I REQUEST THE WIT DOCUMENTS SIGNATURE AND WHY COLLECTIONS KEEP CALLING ME. 
THIS ACCOUNT SHALL DELETE FROM CREDIT 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 2023-07-08 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: HI

Complaint narrative:
i spoke with Equifax representitives multiple times explaining that there was a hard inquiry that i at no point requested or authorized by the company XXXX. i was finally sent to the fraud department in which i was told they would be able to remove the inquiry. looking back into my acount on the XXXX all i had was a fraud alert which i did not request and the hard inquiry was still reporting. i called once again and was told there was nothing they could do and to file this complaint. again at no point did i request my information to be furnished for any account once so ever with XXXX ive only recently noticed this account because i am looking into getting a few lines of credit and this is damaging my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I was sent a promotional email on XX/XX/2023 indicating that if I signed up for the XXXX Amex XXXX credit card, I would receive XXXX bonus miles. The fine print stated that this particular promotion would run through XX/XX/2023. The email was addressed to me by name and included my unique XXXX XXXX number. I applied for the card and was approved on XX/XX/2023. I spent the required amount ( {$2000.00} ) and was awarded only XXXX points. On XX/XX/2023, I spoke to a Customer Service Rep who asked me to attach the promotional email to the Amex XXXX XXXX as proof. She walked me through the process and the site returned an error message. She said she didn't know how to resolve it and that someone would call me back. I followed up multiple times without a response. 
Finally, after over two months of Amex telling me that it would be resolved ( and the additional XXXX points applied ), I was told by Customer Service on XX/XX/2023 that because I applied for the card online, it's possible that I didn't use the " correct channel '' to apply and therefore the XXXX points would not be applied despite what was stipulated on the marketing materials. The Customer Service XXXX ( ID XXXX ) stated that nothing could be or would be done. She informed me that the issue had been investigated and dispositioned by Amex already. This apparently occurred around the first week of XXXX without reviewing the promotional email referenced above and without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I first became aware the capitol one account that was fraudulently open in my name around XX/XX/2023 from my credit report as so as I seen how much it was effected my credit score I did my research and I knew the account did not belong to me what so ever so I reported and keep reporting it and disputing it and have got no solution yet

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: CO

Complaint narrative:
I contacted the bank on several occasions about a situation where someone was entering my account and stole {$1800.00} out of my account over a period starting with XXXX up until I regain access to my account. The bank keeps denying the fact that people stole my money even though I provided them with a police report and a bill stating that I didn't even have a phone at the time it is the online Establishment and I ask for proof on how they determined that it was a good transaction. I have several email from the establishment about the denial of my claim and if necessary I can provide this documentation. If you notice from the proof provided by the company there were only ip address applied to the time money was taken from my account. They claimed that the transaction were accurate because it came from a phone number associated with my account but as I explained I have to other lines and theses are the people that suspect of stealing the funds from my account.

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 2023-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
this company has been attempting to collect a debt not owed by me to them.I have no knowledge of this company or he they are as I've never had a contract of any sort with this company.They are in violation of 15 usc 1692c, d, e, f, and g.If said company is owed I would like a accounting information under ucc law request for accounting, request for said collateral in which a debt as been established by me and said company. 
Any statements from anyone else or from in which they purchased is not a wet signatured contract or a collateral for which a debt can be established, Midland Credit Management is in violation of of the FDCPA and ucc federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I applied and was approved for a airline rewards credit card. The card arrived and I did not immediately activate it. I was too busy to do so. About a week after I received it, I got notification that there was possible some unauthorized activity on my new credit card account and they asked me to call a number. I called the number as soon as I could and was told they needed to verify my identity to activate the card. I asked them about the message regarding unauthorized transactions, but they wouldn't address that concern ; they didn't believe I was who I said I was and insisted on doing an identity verification, using questions that appear on my consumer credit report -- going as far as to ask me about a restaurant that is located off of one of the main streets near my home. Apparently my accent was too thick for them to be convinced that I was who I said I was and so the asked me to send them a copy of my state-issued driver 's license. At this point I was so aggravated by the poor customer service and then I was being tasked with mailing them a copy of my ID. I told them to forget it and to cancel my account. 

I truly felt they were discriminating against me because of my name and my accent. I don't think people with XXXX XXXX and perfect XXXX accents have to go through this. 

To this day my account is still open. To add insult to injury, the are insisting I pay an annual fee for a card I can not use. As they can not " verify '' me, I can not call them for assistance. I have never had this problem with any other bank in my life... ever.

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 2023-07-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Home Depot Project Loan card received on XXXX via mail. Called home depot number provided. Card has {$9900.00} charge on it already, per automated system. Got forwarded to GreenSky ( loan holder ). XXXX was contact name at GreenSky. I reported fraud and canceled the account. XXXX sent me an affidavit to fill out to start investigation. 

Also checked XXXX XXXX to report the card as fraud to XXXX. Card shows {$18000.00} dollars spent on that app. 

Also received mail from XXXX XXXX XXXX XXXX XXXX regarding failed credit application. Attempted to call number, but no one in office on a Saturday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX an old account from when I was an identity theft victim is on Experian. Experian continues to allow fraudulent debt to be put on my credit report as new debt over and over again. This violates my consumer rights and I was told by a consumer attorney also illegal for credit bureaus to allow it. It is ruining my credit over and over again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
MERIT FINANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Place a hard inquiry on my credit without my permission

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 2023-07-08 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: MI

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Last Four SSNXXXX Account Number : XXXX Date Opened : XX/XX/XXXX My rights as a consumer has been violated by Experian. 15 USC 1681a ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have sent multiple letters to Experian regarding this account on my credit report. Instead of addressing my concerns specifically, they send me an automated response saying the information being disputed is accurate. I do not care whether the information is accurate or not. I do not want my private information on my consumer report. 15 USC 1681a ( 2 ) ( a ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Account XXXX should be in my consumer report at all. I would like Experian to delete this from consumer report immediately.

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