vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-26 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: AMERICAN HONDA FINANCE CORP
State: LA

Complaint narrative:
On XX/XX/2022, I spoke with a representative at American Honda Finance regarding a late payment due to being out of work for COVID. The representative assured me that the late payment would be removed due to COVID relief. I followed up with the company many times and was denied access to speak with a manager and also denied a copy of the recorded phone call that proves my statement. 

I have disputed this payment with the credit bureaus and with XXXX with no success. I want the retrieval of the recorded phone call for evidence what the representative assured me. It is sad that a company will give consumers false hope of something so important especially during a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
on XX/XX/XXXX I had my credit checked by a lender to see how much i coIuld be approved for to buy a home. I was informed that i had two paid off mortgages on my credit since XXXX, and also {$550000.00} debt that someone had bought a {$600000.00} home in XX/XX/XXXX. It only showed up on Experian. I called experian to see why all of this was on my credit. I was informed that my credit has been merged with a lady by the name XXXX XXXX XXXX. I was also inform that it would be taking off it was and it also took my credit down 38 points. No one has ever heard of this happening before I FEEL LIKE MY INFORMATION was used all this time and i dont feel like it was a mistake i feel like they have been using my credit since XXXX and they would have kept using it if i had not have try to buy my own house i would have never known.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: Ocwen Financial Corporation
State: FL

Complaint narrative:
I had a mortgage, there were two accounts attached to one from the beginning.then I refinance it, but only one mortgage was refinanced.i had stop the auto pay, as the requested.then I was reported to the credit bureau as a late payment in XXXX, XXXX, XXXX. First, the mortgage company never told me that there erred only doing one. Found out after all was done. Then the second account was left on its own. The second account reported.me to the credit bureau because of the late payment. I been battling this for years.i had auto pay, through out the rides I had a mortgage.never was I late. The send mortgage, did not care.i even paid it off.i was single back and forth with both companies.i work hard, and paid my bills, I have never been late, this was an issue of them!! Why would I be late? I had auto pay.they cancell it, cause they said it should be done. You will see in my docs. The date, time, of mortgages, and credit reports, which shows the time line.furthermore, I had fraudulent credit cards being applied on my behalf.thats the reason I had those reports.in it, shows all payments, the both mortgages, and my auto pays. It's incredible what they have done ro me.but now I'm tired of no one helping, and so., I'm doing this compalint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX XXXX is not giving me credit, for XXXX XXXX charges, made to my card, for the months of XX/XX/XXXX ( two charges of {$55.00}. each ), XX/XX/XXXX XXXX charges of {$55.00}. I convinced them that the XX/XX/XXXX charges should be given me. Each time my card was billed by XXXX, I called BOA, and asked the agent to file a dispute for me. In XXXX and XXXX- the agent said they would, but did not follow through. 

In XXXX, I tried to activate an XXXX XXXX, for XXXX XXXX service. I called the XXXX XXXX number on the card, and told the agent what I needed to do. She said I needed to sign up for auto pay, and I gave her my credit card details. I asked for the telephone number assigned to the device, and she said I had to call another XXXX number. I was never able to get thru to an agent, on the other XXXX number, because it wanted the phone number of the device I was calling about, before it would connect me thru to a person. 
Obviously, I did NOT have a phone number -- I was calling to get one. 

I call XXXX XXXX, and explained the problem. The charge was in pending status at that time, and the XXXX XXXX  agent said, that it wouldn't charge without a phone number, and would drop off. I was charged, twice in XX/XX/XXXX, and I called XXXX XXXX  then, and asked them to file a dispute over the charges. The agent said he would file a dispute - no dispute however was filed. 

I was charged again on XX/XX/XXXX, and called again, and asked that a dispute be filed, and I again explained the problem. No dispute was filed. In XX/XX/XXXX, XXXX again charged my card. I called XXXX XXXX and the agent ONLY filed a dispute for the XXXX charge. I am due {$220.00}. in credits, for XXXX 's eroneous charges. 

I filed a complaint against XXXX with FCC.gov. The FCC gave me ticket number XXXX. The entire problem was also documented to the FCC. 

I want BOA XXXX XXXX, to refund me the full {$220.00}. which I am due. I complained at each XXXX billing. And their agent refused to file a dispute, except for the agent I contacted on XX/XX/XXXX. 

DETAILS of CHARGES : XX/XX/XXXX - 2 charges by XXXX XXXX -- {$55.00} charges -- reference number XXXX and XXXX. 
XX/XX/XXXX charge by XXXX of {$55.00}. reference number XXXX XXXX XXXX XXXX charge {$55.00}, did receive credit for this one of {$55.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has wrongfully bought insurance and billed me for it. I have several copies of emails to you showing the documents they need as proof of insurance for my condo under the master policy which I have repeatedly sent them. Please refer to all my emails sent to XXXX as per their mailed letters. Their automated response keeps telling me I will hear back in 5 days. However this never happens. Tired of chasing this matter and paying unnecessary/duplicative insurance premiums. This is flat out negligence and abuse. Zero customer service as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: FL

Complaint narrative:
I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a 2-year period and have yet to receive any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX I am received funds of a business transaction for materials. I immediately deposited the check into my business account it was Friday. The company contacted me via messenger to check if the funds were available. Sidebar this check was sent viaXX/XX/XXXX. The funds wasnt available on a Monday I immediately contacted the bank as to inquire about the check and why was it taking so long to clear. The representative said a letter will be mailed out about the Check. I immediately asked what was the problem. I came to understand something was wrong. I was concerned, this was my business account my livelihood. I received a letter stating the check was being held for clearance. I immediately the company that distributed the check. They didnt answer me from that day til this one. The bank froze my account, charged me for monthly charges. I wasnt able to mange or produce business thru my account. The only way I found this out was I signed onto the account and it says XXXX dollars. I immediately call the bank to gain a greater understanding. I was treated like a criminal, what the bank wanted to take out on the company that sent that check to me they totally took out on me. My civil rights were violated. I again I reach out to the bank, I was sent to the fraud department, I explained to them I havent been contacted by the bank and my account isnt accessible to me. I learned not only was the check frozen but so was my account. The representative got in touch with the back office. A XXXX XXXX XXXX was very very rude and she beat around the bush very bad. I asked about my accessibility and can I deposit money into my business account. I was told yes and then no. At the end of the call I was told to go to the bank to retrieve my cash. I went and was totally embarrassed. I sat in that bank not being helped until closing. XXXX XXXX looked away from me the whole time never attempted to call anyone just had me sit she took my license and the paperwork that I have to her but told me that she couldnt help me. Thus was the second time I went and the same thing happened except this time I was asked to leave because there was nothing that could be done and they were leaving for the evening. I have lost a lot of money and business behind this very rude interaction. Im in debt today because of this and my two business are in jeopardy. When I walked in the bank I was looked at as a joke.XX/XX/XXXX+++ shouldnt be treated like this because I identify myself as myself. I was so humiliated! As am entrepreneur Im at a lost of words as an minority. I never thought I would experience something so mean here in New Jersey. This bank dont take likely to my kind and Im truly offended. I also had the liberty of speaking to XXXX XXXX XXXX and I still dont know why she called me its meaningless. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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 did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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:
I did not consent to authorize nor benefit from the following account ( s ) Block and Remove!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX ( original creditor XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Bank ( hard inquiry ), XXXX XXXX ( hard inquiry ) has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have fraudulent inquiries on all three of my credit bureaus that I do not recognize or I didn't authorize I have a identity theft report attached with all the fraudulent inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Wed, XXXX XXXX XXXX  Charged {$670.00}. I was supposed to receive a treatment I paid for and did not receive it, I was overcharged and I did not authorize this charge. I have disputed it with Capital one and provided evidence but they have not properly examined my issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am in pain and have done this procedure before this is not the proper outcome. It came to my attention that Capital One leaked my personal number with the company and they have sent me spam messages and compromised my number. The fraudulent company now calls me multiple times a day from both my business and personal number to harass me. I want them to fix the damages and reverse the charges or I will have to take the next step and escalate the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: GA

Complaint narrative:
They are reporting fraud accounts thats dosent belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 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: GA

Complaint narrative:
They are reporting fraud accounts thats dosent belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. These are fraudulent unauthorized inquiries on my report. Please remove or send proof in writing within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Received presentment from SANTANDER CONSUMER USA in regards to an alleged debt XX/XX/2022. Payment was tendered on XX/XX/2022. XXXX XXXX, doing business as chief executive officer acknowledged notice of payment on XX/XX/2022. I have not received full credit of account. XXXX XXXX, doing business as chief executive officer SANTANDER CONSUMER USA is now using force and coercion per credit reporting agencies and also using threat to commit grand theft auto on a settled debt.

Company response to consumer: Closed with explanation