vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: SC

Complaint narrative:
Late XX/XX/2022 or very early XX/XX/2022, I contacted Credit Karma to help me get into my online account of which I have a small savings account as well. Unfortunately Someone hacked into my email and gained access to usernames and passwords to several businesses as well as credit karma. I tried to get XXXX XXXX to help me with my phone, but was only told that there was nothing wrong with my phone. Since I could get no help, I did a factory reset on my phone. XXXX now says that my ID and phone number do not exist. Which makes things very difficult because everyone wants you to use your original phone number to get into your accounts. No exceptions. 
After contacting credit karma, I received an email back from them asking for proof of which I submitted photos of my drivers license as well as social security card. This was evidently enough to prove to them that I was telling the truth. So, I received other emails which led to them sending email to reset my password. Unfortunately, it was going to send that reset to my dead phone number. I tried over and over to explain to member support at credit karma and even sent pictures of my ftc fraud and identity theft report as well as the XXXX report. I didnt hear anything more from them All I want to do is to have access to my small savings account there. I am going to close it if I ever get access to MY money because its impossible to get in touch with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT 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 2022-05-19 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: FL

Complaint narrative:
There was a credit card taken out in my name with a debt of over XXXX grand and Im trying to resolve it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent letters out to the credit bureaus XXXX Experian and XXXX XXXX on XX/XX/2022 letting them know that the courts have not verified this alleged bankruptcy needs to be removed immediately, this is damaging my credit profile. I received a letter from my local courthouse stating that this information is not and was not verified. I will attach this letter.

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 2022-05-19 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: Holloway Credit Solutions
State: RI

Complaint narrative:
Holloway Credit Solutions is reporting the same {$74.00} debt twice on my report. The original debt ( which wasnt mine and was supposedly removed from my report after I disputed it ) shows an opened date of XXXX. The newest one shows an opened date of XXXX. The date of first delinquency on XXXX is XXXX. The total debt on my XXXX report shows I owe {$140.00}. This is incorrect and the original debt isnt even legitimate. I do not feel comfortable contacting this company or any debt collectors. I need this removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM

IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please del
ete the items as soon as possible.

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 2022-05-19 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, US DEPARTMENT OF EDUCATION ACCOUNT # XXXX, XXXX XXXX XXXX XXXXXXXX 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 2022-05-19 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: AL

Complaint narrative:
XXXX, EXPERIAN, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX  FOR XXXX XXXX  IN XXXX XXXX XXXX NEVADA FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX XXXX XXXX THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Victim of Bank of America XXXX XXXX to XXXX fraud on XX/XX/2022 for {$3100.00}. 

Bank has not yet refunded money. 

Fraud occurred nearly identically to these reports in the media : XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I was on a Shellpoint Mortgage XXXX XXXX which began in XXXX and ended in XXXX for 1 year. 
I was offered this by the lender, and this is a XXXX XXXX loan with federal Covid protection. This is regarding my mortgage forbearance Deferral request what was put in wrong by one of the agents who put it in as curtailment of income, and not Covid related. This should have not impacted my credit. Instead, my credit score has dropped from XXXX to XXXX. When I spoke to the agents during the process, I was told this is the only thing available and I was on the correct process which was wrong.

I am simply requesting my credit show how it should from a Covid situation, not a curtailment of 
income. I will continue to make all of my payments from this point forward, which is what I have always done other than the Covid situation. 
With my credit dropping over 200 points, It will stop me from doing my business and servicing my loans and could force me to lose my business.

I am still waiting for any response after multiple calls and emails. It has been 3 weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My XXXX payment was late by 2 days ( not sure if this was a mail issue or a processing issue but I use recurring computer banking so wasn't my issue ). As I use computer banking, I trust payments made correctly ( as for the 1st year on the account ). When I explained what happened all the fees were refunded as is good customer service. My concern is reporting to the credit bureaus. I'm not sure missing by 2 days ( which was NOT my fault ) should create bureau reporting. I also don't think it's fair to continually report me as late when I'm paying the minimum amount ( forgetting the continual adding of fees ).

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I tried to dispute with XXXX Trans Union & XXXX on many occasions trying to get my personal information removed & they refused to remove it. And account to 15usc1681 I didnt give anyone written permission to furnish anything on my 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 non-monetary relief
Consumer complaint received 2022-05-19 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXl Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 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 explanation
Consumer complaint received 2022-05-19 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: Global Lending Services LLC
State: PA

Complaint narrative:
In accordance with fair credit reporting act, XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunbit, Inc.
State: NV

Complaint narrative:
On XX/XX/2022 I applied for credit with Sunbit to purchase tires online from XXXX XXXX  The company stated they would charge an initial {$26.00}, and the company ended up charging my debit card {$85.00}. I did not authorize that amount to be charged from my card. As well as, the application for XXXX XXXX did not go through, so not only did Sunbit charge my card for an amount they did not disclose to me, but I did not even get the product that I " paid '' for. My account number with Sunbit is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX La,XXXX  XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT 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 explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX La,XXXX  XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to correct immediately : XXXX 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
Consumer complaint received 2022-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exter Finance LLC repossessed the car from me XXXX XXXX, 2020. According to the credit report, they're reporting that they never received a payment that isn't true. They ended up selling the car for {$10000.00} and sent me a letter that after the reappraisal of the car. I owed {$0.00} and it would be cleared from my credit. I notice they keep updating negatively which isn't true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: NE

Complaint narrative:
We were told we would receive a credit of {$2500.00} and was told we needed to pay {$1700.00} to lock in an interest rate. We did so as required and then was told we werent getting the credit as our loan would Need a manual underwrite. But, they knew that from the very beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, a consumer, am submitting this complaint against XXXX and there is no third party involved. XXXX, Equifax, and XXXX has my personal information incorrect and inaccurate on my consumer report. My name is XXXX XXXX XXXX. I do not have any other names or alises, and I do not wish to disclose any other names. I have provided the required documentation to show my given name and XXXX refuses to delete any other name that appears on my report. My current address is XXXX XXXX XXXX XXXX XXXX, IL. XXXX. I currently have no other addresses and do not wish to disclose any other addresses. Therefore if any other addresses are being reported, i demand that you delete them from my consumer report. all the phone numbers listed are inaccurate and i do not wish to provide any telephone numbers. The name on my social security card and driver 's license is how my name should be spelled as well as my address. I demand XXXX, equifax, and XXXX  correct the inaccurate information listed above within 3 business days. XXXX, equifax, and XXXX  is liable for damages of {$1000.00} per violation for civil liability for willful noncompliance which XXXX, equifax, and XXXX  has failed to comply. This also includes my actual damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ACCOUNT : XXXX XXXX  XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B, states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: NY

Complaint narrative:
XXXX CLOSED MY ACCOUNT FOR REASONS THEY HAVE NOT TOLD ME AND IS TAKING CRIMINALLY LONG TO SEND ME MY CHECK I AM STARVING AS I AM WRITING THIS AND BILLS ARE DUE PLEASE I JUST WANT MY CHECK OF {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Rocket Mortgage refuses to deliver pay off amount due to needing to " make calculations. '' We started requesting pay off amount in XXXX for XXXX. We have missed 3 closing dates because they willfully withheld our pay off amount. We moved closing 3 times. They say we would have it last week, then Monday then XXXX, then yesterday the XXXX and again today. They refuse to talk to our lawyers. Today they told my husband that we " should have pay off number by Friday but maybe Monday '' This has been going on since XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: TX

Complaint narrative:
EQUIFAX, XXXX are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.

Company response to consumer: Closed with explanation