vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since XX/XX/2021, I have been dealing with someone using my information. From XXXX, XXXX, and now XXXX they open a credit card that now will hurt my credit. 
Please I need help, the phone number they keep using is XXXX. I live in Florida thats NOT my number. Please HELP, I suffer enough & this scam is not helping, I contacted the FBI. On this I need your help. Please. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: HI

Complaint narrative:
I want to file a complaint. For alledge [ Loan fraud, Forgery, Identity theft, Bad faith dealings, Deceptive and Misleading information and Breach of Fudicuary duty ] against XXXX XXXX XXXX XXXX, SELECTIVE PORTFOLIO SERVICING INC and Debt collector XXXX XXXX XXXX XXXX, their Brokers, Real estate agents and loan underwriters for knowingly filed a fraud mortgage Note Document number XXXX in the office of the Assistant Registrar of the Land court in the XXXX XXXX XXXX Hawaii. 
Please refer to File number : XXXX, XXXX Attached is a Mortgage supposedly executed by XXXX. 
The Mortgage note submitted was not executed by XXXX 
The signature is a Forged signature. 
That is Identity theft. 
On XX/XX/XXXX affidavit was sent to SPS to notify them of the Forged signature on the Mortgage note among other Notarized Forged signature on the loan application. 
On XX/XX/XXXX, the exact Documents were sent to Debt collector XXXX XXXX XXXX XXXX to notified them of the Frauds committed on the Mortgage Note and fraud signatures on the loan documents Attachments submitted are documents evidence to support my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09 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: MN

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Equifax XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I was notified through " XXXX '' that I had collections for a total balance of {$3800.00} that was assigned on XX/XX/2021. The company that is sending for collections is the phone company " XXXX ''. They have three different collection agencies trying to collect money from me. 
XXXX has " XXXX '' trying to collect, XXXX has " Source Recvb  '' trying to collect and, XXXX  has " Source Receivables Mng '' trying to collect. 

I have never had any accounts with XXXX in my entire life. I have had to resolve this similar issue earlier this year with a different collection. I hope to resolve this like last time. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: REMAX
State: CO

Complaint narrative:
I am reporting a complaint on ( Remax of XXXX Colorado ), because every-time I give them a copy of the CDC Moratorium they give me a notice to quit, but this time I have a move out date by XX/XX/2021. I have followed all guidelines for the CDC Moratorium, I have paid {$4500.00} in back owed rent so far, and I am at {$1300.00} because they are charging me a late fee every month I miss. I am tired of them doing this to me. I am doing my best to get caught up. but I feel like it's ( XXXX the tenant ) and kick 'em when their down. This is very frustrating to me, especially when I have told them I have nowhere to go. I was also referred to this website from the CDC to report this kind of activity. So that is why I am doing this here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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 XXXX XXXX and Equifax to inform them of an account that is not validated by me and is in violation of 15 USC 1692g. The law states I was supposed to be notified within 5 days and I was not. This is a violation of my rights and I want this removed off of my credit profile, as I am the original creditor and I do not validate this debt. It has been over 60 days since I sent in my dispute and I have not received any responses and I feel as if I am being taken advantage of. This is causing me much distress and I have no other options of getting this removed from my account and I am seeking litigation on this matter, in order to remove this invalidated item off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I never recieved any documents indicating that I owe the debt. I noticed that I owed the debt on my credit report. Would like to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple should clearly disclose what the company intends to offer. Just try to purchase a XXXX XXXX XXXX from Apple for school purposes. We are currently offer 0 % financing for six months. False and misleading! Once consumers click yes, it generates a contract with different terms and conditions. Granted, it was my responsibility to review my statements to make sure that they were free of error, however, would XXXX  have rectify its unscrupulous act? Absolutely not. When I asked to close my account after I paid it off, said account incurred {$43.00} in balance rewards and XXXX  would not mail me a check. They never had that amount displayed in a way that consumers can see it and use it. I have knowledge about proper disclosure in financial transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Crossroads Systems Inc.
State: IN

Complaint narrative:
I am overly disappointed with this company 's actions. I have been approved for funding by the SBA and this company is my lender. According to the SBA, once approved, the SBA requires lenders to disburse funds within 10 calendar days. It has been 22 calendar days since I received my approval and I have yet to be funded. I've tried several times to contact CPF and they don't answer or give any updates. I need my funds deposited into my account immediately as my company is in dire need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 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: OH

Complaint narrative:
I'm XXXX XXXX, XX/XX/55, & I'm reading that Equifax reported to me that my credit score went down 59 points for a {$270.00} XXXX increase ; which by the way I paid off in full back in XXXX ... so obviously this 59 point drop reason doesn't even exist ... ... .Then later after you pass the reasons for the dropping changes in my score, you can scroll on down to where Equifax actually posts XXXX credit card with a XXXX balance ... I've been trying for over 4 years to get Equifax to update my file with my XXXX year old mortgage balance but they keep reporting " I don't have a mortgage '' & then they say it would look better for my credit if I had a mortgage!!! They are crazy, incompetent, fraudulent, & never up-to-date ... .plus every time I try to contact them I can never get thru all the stupid crazy privacy hoops you have to jump thru ... ..not only do they not keep their files correctly updated, but they lowered/ruined my credit score with false info & they make it impossible to get it changed/corrected ... .They falsely print wrong info to ruin your score.. They've also reported that I have an outstanding {$360.00} balance on my XXXX XXXX XXXX card ; but I also paid it off in XXXX..I try to go thru proper channels & file disputes, but they take weeks to process their disputes ... .They are very damagingly, unprofessional & need to either be corrected or shutdown Image XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is regards to a credit card dispute with my bank USAA. They did not adequately process the dispute even though I showed proof that it was a fraudulent charge. 

On XX/XX/XXXX I booked a room through XXXX. Conrmation Number XXXX for hotel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. 

When I arrived the hotel did not have a reservation for me and the front desk agent states that the hotel was sold out. I called XXXX for a refund and they have refused to issue a room or give a refund. They stated that they need to call the hotel, but no one answers the phone. I contacted the hotel and they have also refused to reach out to XXXX to issue a refund. I believe that taking a customer 's money and refusing to provide service or a refund is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09 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: The Bureaus, Inc.
State: DC

Complaint narrative:
Just letting you know that I contacted the company and they don't have your information and its not in their system of record. you have filed the dispute with all three credit agencies who says they have verified and no verification was sent the account is closed and should be deleted from our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MT

Complaint narrative:
I had a transfer through simple swap get cancelled and refunded to my Binance US account with XXXX Doge, the money never showed back up into my account and I have been emailing them for weeks and no reply just auto responders. Meanwhile the coins were worth $ 11000plus and I want to sell them and can do nothing. I keep seeing in the complaints that they dont respond for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX Opened XX/XX/2021 {$180.00} Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 {$1300.00} Original creditor : XXXX XXXX XXXX XXXX Overview

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 2021-05-10 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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I went to the XXXX. I had insurance through the military XXXX XXXX The visit was not billed under my insurance it was billed as though I had none. Now its on my credit report. Ive disputed it multiple times and they refuse to drop it or try to work it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, XXXX, and XXXX  to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online. 

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report. 

Please make them abide by Federal law. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online.

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report.

Please make them abide by Federal law. 

Please 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 2021-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX XXXX are they same website that is running a puppy scam, I did a belle transfer with 1 hour called bank to cancel was told I could not and needed to dispute transaction which resulted in the bank saying nothing could be done. Each XXXX account is linked to bank account and the email XXXX was the email money was transfered to. The bank should be able to reverse charges and report account hold for improper and illegal use. Ally Bank is bank used and XXXX is the app

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