vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
My mortgage was in forbearance for the pandemic. The pandemic period has ended and I have been trying to work with the company on a repayment plan. They had me submit an online form. I tried to but had put wrong information in the form and had asked them to reset the online form. Instead the man submitted it with the wrong information so I was unable to complete the process. I have tried to contact them numerous times that figure out what to do to no avail. I have XXXX and can not deal with this stress. How can they expect this to be a relief program when they want you to pay a lump sum at the end. All I want to do is fix this problem so I can keep paying my home so I can live in my house. Are used US AA because theyre supposed to be for veterans and military members and they have been nothing short of horrific to deal with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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:
I reached out to the credit bureaus regarding false late payments reporting on some of my accounts on XXXX XXXX. They never sent me information about the investigation results, and did not fix the problems. They dimply added a comment that says " Consumer Disagrees. '' I know this was in fact an automatic verification and not a true investigation, because I was never late on these payments.

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 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My loan transferred from XXXX to Chase. Starting XX/XX/2021 Chase mortgage start to charge flood insurance premium {$1300.00} annually. But I do not need to get a flood insurance. I shared FEMA documents that I got from XXXX team who used to take care my loan service. But Chase team didn't approved the document and got flood insurance and start to charge it. 

Whoever review this should contact below so he can explain why this zone isn't flood zone. I shared this but ignored. 

XXXX XXXX at XXXX XXXX XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have a credit card with Chase Banking. I noticed fraudulent activity on my credit card in XXXX of 2021. I immediately notified Chase, disputing the charges and opening a fraud claim. The claim was denied on the basis that a physical card was used ( according to Chase ). I was not notified the reasoning for this decline, I was forced to call them back and have it explained to me. I informed Chase at the time of reporting the fraudulent activity that I had the card in my possession, and this fact was still ignored. I also informed Chase that the state I live in is ( Colorado ), and it is where I was residing at the time of the fraudulent charges that occurred in the state of Missouri. I did not have any accessible records on my XXXX to prove me location, and because I work remotely, I did not make any other transactions on that day to prove my location. My only option is to pursue phone records from my wireless carrier, XXXX XXXX, however, when I called and asked for this help, I was informed that XXXX would only release the relevant records to me in the case that they are subpoenaed from a lawsuit. Since I do not know who made the charges, in a different state, I have no ordinary way to obtain the records that prove my location and allow my to successfully dispute the charges. As a result, I am forced to pay off the $ XXXX charges that were fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, Wells Fargo XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I want to block and arrest the person who issues credits I am not familiar with from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and Citi Cards XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

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 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I want to block and arrest the person who issues credits I am not familiar with from Capital One XXXX, Capital One, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, I don't know the amounts by I did not issue any of these cards and there was recent activity of my social security number that was used as well and I want this dealt with and corrected and have the person responsible for this arrested their address is XXXX XXXX XXXX XXXX XXXX LA XXXX please arrest this person and help correct my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late/Closed XXXX XXXX  XXXX Balance {$9100.00} Opened Date XX/XX/XXXX XXXX XXXX XXXX Balance {$6900.00} Opened Date XX/XX/XXXX ChargeOff XXXX XXXX XXXX XXXX {$0.00} Opened Date XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: CITIBANK, N.A.
State: TN

Complaint narrative:
To whom it may concern : I am filing this complaint because on XX/XX/2021 there is an authorized hard inquiry on my XXXX credit report. Before I decided to file this complaint, I did confirm through the annual credit report website that this was indeed a hard inquiry. Also I am XXXX percent certain that I did not authorize this or apply for credit. The bank / lender that initiated the credit inquiry XX/XX/2021 is Citi Bank. I attempted to rectify this situation with them but after speaking with the XXXX department, I was told that they don't have access to credit files and that the company would not be able to help me. Also, I contacted XXXX. I received conflicting information from XXXX. Although their site says that disputes can be handled over the phone, online or by mail, I was told by a supervisor that they don't handle disputes and that I should contact the FTC. The FTC 's website connected me to the CFPB for assistance. I take my credit very serious and I feel it is an unfair practice for Citi Bank to initiate this inquiry on my credit report. Once last thing that I will mention is that I checked all 3 credit agency reports. XXXX shows a Citi Bank soft pull on the same date and there is no Citi bank inquiries on XXXX. Weather intentional or in error, I am simply asking for help to get this fixed. I look forward to your reply. Thanks 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 2021-11-15 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: VA

Complaint narrative:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. 7 credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
After reading and understanding my federal rights as a consumer, I noticed fraudulent activity happening within the retail installment contract. The FDCPA intends to secure consumer right to privacy, and my privacy has been breached. There is abundant evident evidence that proves Ally financial has been participating in abusive, deceptive, and unfair debt collection practices. After stating claim and disputing the fraudulent activity, Ally financial is still attempting to collect a debt that is not owed. As a Consumer, original creditor, and natural person within the Truth and Lending section of the retail installment sale contract. The holder of the contract is subject to all claims and defense. Pursuant to 15 U.S. Code 45. Im reporting this activity to CFPB because my rights have been violated. Pursuant to 15 U.S. Code 1692k, Ally Financial willfully failed to comply with the requirement under the provision of 15 USC 1692 ; therefore, Ally Financial is civilly liable for causing me mental anguish. I have attached all supporting documents along with my Affidavit of Truth

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 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
This collection company RPM ( Receivables Performance Management , LLC ), XXXX XXXX XXXX, # XXXX, XXXX, WA XXXX has contacted me on numerous occasions, the latest being XX/XX/21, regarding a bill for {$260.00} from XXXX XXXX XXXX  that I do NOT owe. In my last letter to them, I requested a validation of the debt. They could NOT produce any document that I signed noting such a debt that I could possibly owe XXXX XXXX XXXX. Rather than acknowledging the obvious error, they continue sending me collection letters, threatening me with a negative report to the credit reporting agencies. 

Since this company can not produce proof, or any document, showing that I owe them or XXXX XXXX XXXX money should be made to stop harassing me or by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
I sent out a dispute regarding a {$130.00} around XX/XX/2021 bill with XXXX XXXX. I moved from the XXXX XXXX XXXX XXXX XXXX  NC XXXX address and had all my mailed forwarded to XXXX XXXX XXXX XXXX NC XXXX. I called numerous times and was told that this account has been sent back to XXXX XXXX account # XXXX who now has the account and still have not updated the correct address until today. I have know problem paying the bill but XXXX XXXX still shows on my credit file. 

Again I never received a bill from XXXX XXXX that I owed any amount and I called today and asked for the account number and told that they can't give me any information on the account just pay the {$130.00}. 

Credit management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF THE WEST
State: MS

Complaint narrative:
They petitioned for a loan with incorrect information going as far as fabricating a job and income I did not have. Information was not correctly reviewed nor shown to me. I was unemployed and the loan was supposed to go under employed boyfriends name who is not even on the loan. I tried explaining this to the owner, but he would not work with me. I was advised to make a complaint with the federal trade commission as well as attorney general.

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 2021-11-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am injured and on state XXXX XXXX thru bank of America, I on XX/XX/2021 XXXX was fraudulently taken out of a branch atm, then XX/XX/2021 XXXX was fraudulently taken out, The whole time I had my card in my presence, no one has access to my account or withdraws, I reported the claim they denied it, I sent in pictured ID, police report, and a written statement, still denied

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: VA

Complaint narrative:
XXXX of XXXX I had a XXXX. Because of that XXXX I had multiple care takers coming in and out of my home to take care of me and help me. They had access to my credit cards, personal information, and mail. In XXXX of XXXX I found out that one of those people used all of my existing credit cards and opened many more without my consent. I contacted all three credit bureaus. I filed reports with the Federal Trade Commission per the advice of the police because they did not take a report because there were so many unknown people who helped with my care and I did not know who did it. I was able to resolve 13 of the fraudulently used or obtained accounts by sending them the federal trade commission report, a copy of my license, a copy of my social security card, a copy of a utility bill, a notarized identity theft affidavit, and letters from other creditors that were effected and resolved. XXXX credit card companies continue to refuse to remove the accounts affected by this identity theft although I have contacted them multiple times sense XX/XX/XXXX and sent all the documents listed above multiple times. I contacted the federal trade commission to see what I could do to resolve this and they told me to file complaints with Consumer Finance protection agency to finish getting this identity theft issue resolved to have my credit report updated

Company response to consumer: Closed with explanation