vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX will not investigate my file they keep saying to provide new info.. i keep sending new info and they dont do anything.. i need a human to look at my file and not no e oscar machine.. 

if XXXX does not fix my problem i will have to sue with my fcra attorney help a regular person out that needs help Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB : XXXX SSN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Dear XXXX : I received the credit report you have on file for me, and it contained the following inaccurate information : Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX XXXX, Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft Creditor : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account : XXXX Reason : I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft However I was in contact with the creditor who has verified that this information is inaccurate. As such, it should be removed from my credit report. I am requesting that you reinvestigate this item and remove it from my report as soon as possible. 

[ INCLUDE CONTACT INFO FOR THE CREDITOR WHO CAN VERIFY THE INACCURATE INFO, OR INCLUDE OTHER PROOF OF THE INACCURACY ] Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I won an online auction through XXXXXXXX XXXX  XXXX house for a classic dodge truck. The online ad misrepresented the truck 100 % and they will unwilling to cancel the auction and refund my money. I never took possession of the truck, and they have since resold it. I contacted Capitol One and opened a dispute for both charges from XXXX which totaled {$3900.00}. Case numbers XXXX and XXXX. Initially they credited my account, then decided to add the charges back onto my account with copies of the 2 payment receipts. Neither have my signature on them and I already explained to them when I opened the dispute that XXXX was unwilling to refund me in person. I still do not have possession, I never signed anything, I never registered the truck in my name, and they have already resold it to someone else. 

Capitol One still has not refunded anything to my card and I am still being charged for a product I never received or signed for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 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: TX

Complaint narrative:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered multiple unauthorized transfer-outs from my checking account, two of these are large wire transfers of {$8900.00} and {$8500.00}. Also on the same day, my husbands phone number was hacked, someone called XXXX  and had his phone number transferred to their SIM card, so he couldnt use his phone number at all that day. We suspect that the thief could do the 'forgot password ' function and use my husband 's phone number to change the password and log on to our joint online banking accounts and transfer our money out. But it's just our guess because the SIM card hack and the unauthorized transactions occur on the same day. On my husband 's bank account, on XX/XX/XXXX and XX/XX/XXXX, there are also unauthorized payments to a bar and places in XXXX  which are totally not done by us as we live is CA, USA. This is clearly an incident of identity theft. We immediately reported to Chase on XX/XX/XXXX, it has been almost 2 months for Chase to do their investigation and we have not heard any updates from them. Chase has not refunded the money from the two large wire transfers. When we called their fraud department ( which we have been doing many times ), we kept being told the same thing that the claims are still in process. This is clearly an incident of identity theft and we would do anything to prove that these transactions weren't done by us, however, we haven't received any form of communication from Chase, not a single phone call. Our bank accounts are deprived of fund. We desperately need our money back and we have been giving Chase almost 2 months to fulfill their customer protection responsibility and refund our money. We need answer. We need our money back. We would do anything to be able to get our money back, including suing Chase for their incompetence in customer protection, as {$17000.00} is almost our entire life saving. We would appreciate any help.

( the attachment is proof of XXXX  notification that the SIM card was changed on XX/XX/XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX  that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a letter notifying me that I needed to show proof of hazard insurance ( please note this is the second time, Shellpoint did this to me in XXXX too ) ; so on XXXX I uploaded the doc to their site as well as emailing it to their general document email address ; received confirmation that it went through. XX/XX/XXXX received a second letter threatening to charge me unless I show proof of hazard insurance ; so I faxed the company and I called and spoke to a rep who told me that they have my paperwork it just had not been processed yet ( a month??!! ) ; so were good then and she confirmed with me over the phone we were good. Today ( XXXX ) I receive a third letter dated XX/XX/XXXX stating that they are charging me over {$1700.00} for hazard insurance!!! I am so angry with this company I do not want them to be my mortgage company they are absolutely horrible and have caused me so much stress having to deal with this ... .it is their job to contact my HOA to get this information I should not have to be doing their job!! All the other companies prior to them always took care of this

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Complaint MR. Cooper Mortgage XXXX for XXXX XXXX Refusing and denying to work towards foreclosure avoidance Payments made and went to unapplied funds and keep them there for months which caused the interest adding up on current due statement. If payment would have applied in the time receive the extra interest caused the balance to go up benefiting them. 

This Home Loan was sub prime from day one starting back in XX/XX/XXXX. We rented the house for two years and was offered by the owners to buy. We bought it through XXXX XXXX XXXX XXXX In One broker for mortgages companies to finance loans to sub prime home buyers who not other qualified for conventual home loans and unable to put any down payments. Thus created the housing bubble starting in XXXX and still today some of us homeowners have not gotten a resolution for the fallout of this. This is whole new complaint latter just wanted give an outline were this is headed. 

Starting in XX/XX/XXXX, problems came up and missed the XXXX payment. We continued to have major emergency problems that affected us making timely payments to this point. During this period, we were in continue contact with Mr. Cooper to work out solutions and payment arrangements. Having made payments towards back mortgage payments. Mr. Cooper put some of the payments I an unapplied fund and stayed there for months, thus causing higher interest cost applied on the principal and inflating the months behind on payments. We first requested forbearance in XX/XX/XXXX, Then asked for the 3 month extension in XX/XX/XXXX as allowed by U.S. Gov for XXXX XXXX backed mortgage. Before this starting in maybe in XX/XX/XXXX, we asked about repayment options. Mr. Copper stated that we used the 18 months of covid forbearance, deafferent payment, loan modification and refinancing were not an option. 

Back in XXXX The Courts order XXXX  XXXX XXXX which also served loans for XXXX XXXX at that time to correct and modify any loans that were under fraud protection act at that time frame. Both XXXX XXXX and Mr. Cooper Claim we used the allowable modifications. The First was not requested by us thus not be in the included allowable modification as it was court order and by the way took them six months comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY XXXX  REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX  XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE, I HAVE FILED A POLICE REPORT AS WELL AS REQUESTED

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 2021-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am currently serving in the United States military and back in XXXX of this year ( 2021 ) I was contacted by a Individual on XXXX stating that she was a manager at XXXX and that can get me a grant for being in the military the grant totaling of XXXX. I jumped at the opportunity of having such a large sum of money and agreed to enroll in the grant, After I agreed the Individual started to ask me for money stating that She would cancel the grant if I don't loan her money. Me being trustworthy and stupid I agreed to loan the " XXXX manager '' money through zelle on the chase app over the next couple of months totaling to a little over XXXX. The only reason I did so was because I was expecting to get repaid through the grant and that a good friend of mine who is also in the military said that he knows the Individual and that she tried to get him to agree to the grant as well. Long story short it been a few months and I've tried with my bank but ultimately they were of no help They just reffered my to speak to the Authorities and speak to the people behind zelle. I've been losing sleep and stressing over this loss and I'm hoping that whoever sees this can help me get even a fractions of this back, I would be forever grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal did not send me the letter that was attached in this complaint and Im XX/XX/XXXX they did not let me withdrawal the funds out of my account. The payment for {$36.00} for slots was made to me by a friend of mine for a slotting fee for his cow at the fair that I paid cash for. He was paying me back. This is really troublesome to me that the money that was held in my account by PayPal for 180 days Is then processed into PayPals bank account and taken. In my eyes as its my money this is PayPal Stealing and taking my money. How can they control that, say you abused the system without doing the proper research to see that yes it says slots but its not casino slots its a fee for slotting at the fair for my good friends Cow. This is super frustrating,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted XXXX/XXXX  to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

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 2021-07-28 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: CA

Complaint narrative:
I contacted XXXX/XXXX to pay off my account and asked for a reduced settlement amount to close out the account. They agreed and I payed the reduced amount only to find out they are reporting the full amount as out standing. It felt weird the way they dealt with me on the phone and as it turns out I received a letter showing a remaining balance. I was very clear this needed to be a full and final settlement payment and they straight out lied to me saying it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
I paid the collection and its still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX . 
Inquiry : 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