vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: KEYCORP
State: PA

Complaint narrative:
received several text alerts about fraud that was trying to be done in mY account. And I followed the steps that I usually do when that happens. I then received a call from a XXXX  XXXX XXXX employee who was in fact a fraudster. He went through all the proper steps that employees go through when verifying an account. After we verified everything I was scammed out of {$1400.00} and it was zelled to another bank. I called filed a claim reached out to XXXX  XXXX XXXX & they denied the claim, said I should reach out to the scamming bank to try and resolve anything. When I reached out to that bank ( Key Bank ) they would not help me in giving me any information and told me to go back to my bank. But Im the victim of fraud and they are protecting their client that steals?!? How can the company, XXXX, and XXXX  XXXX XXXX & Key Bank no one help me. I have been scammed out of {$1400.00} and NO ONE a can give me answers. I have spoken to my local police department and it seems so hopeless. In speaking to my bank they said this is a big issue with fraudsters impersonating every step of their security protocols. BUT how are consumers suppose to know whats real and what not if the very protocols put in place to secure us are in fact not secure?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/2021 2. FIFTH THIRD XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: CA

Complaint narrative:
XXXX XXXX XXXX DEALERSHIP - CHECKED MY CREDIT WITHOUT MY FULL KNOWLEDGE OR CONSENT. I CAME TO PURCHASE A VEHICLE AND ALREADY HAD AN AUTO LOAN APPROVAL FROM MY PERSONAL CREDIT UNION BANK SO THERE WAS NO NEED FOR THEM TO RUN MY CREDIT REPORT. THEY ALERADY KNEW ABOUT MY CREDIT UNION APPROVAL IN THE BEGINNING STAGES. I EXPRESSED TO THEM THAT I DO NOT NEED MY CREDIT REPORT CHECKED. FINANCE REP TALKED TO MY BANK AND CONFIRMED MY APPROVAL. 
2 INQUIRY 'S 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX XXXXXX/XX/2021

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 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I ask that the charges XXXX  on my account be verified and validated, since I didn't recognize the apartment name or complex. I thought this was the way to get this removed. My credit info has been breached on several occasions by XXXX Email System, XXXX XXXX Visa, and XXXX. So my personal information has been leaked and has been used to make purchases and fraudulent credit line attempts. I was recommended that I contact CFPB and fill out a Affidavit with Identitytheft.gov.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to open an account with Capital One bank. They said they could not open the account because of information they received from XXXX XXXX XXXX XXXX. I requested and received a copy of my consumer file and there is no information that is negative. I am attaching this file. There is nothing on this file that would prevent Capital one from opening an account for me. I am XXXX years old and on a fixed income. I wanted a regular checking account. Its a shame how disgraceful Capital One treats poor senior citizens, There is absolutely nothing in this report that would prevent Capital One from opening my account. If I was rich they would have opened it. I wonder if their mothers know how shameful they treat poor senior citizens. I want to know why Capital One declined to open my account based on information they allege is in this report. The only thing in the report is 2 different E-mails. I am sure I am not the only American to use 2 different E-mails. Not that's its any of Capital ones business but one of those E-mail accounts I share with my son. I have a hard time seeing on the computer and he helps me with that. He has respect for senior citizens unlike Capital One. I can not include an account number because the account was never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Everytimebi try to verify my identity for whatever reason online by answering credit question I cant do so because there is things on my report I dont reconize.Also I was told that I had a credit card that was opened in my name and I didnt .Also there is a car lease on the report. In XX/XX/XXXXthat I also did not apply for.let along get a car.And a student loan that I never recieved. What do I need to do because obviously someone is using my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: NC

Complaint narrative:
I have contacted Equifax numerous times about inquiries on my credit report from dealerships that I didnt authorize to my credit report today I view my credit report and I have 249 inquiries.. Im very upset about this and Im requesting a one time dispute on these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: RI

Complaint narrative:
XX/XX/XXXX Invoiced by Capital 1 for {$1000.00}, Paid {$1000.00} for a remaining balance of {$15.00}. XX/XX/XXXX paid {$300.00} to essentially XXXX  the account. XX/XX/XXXX invoiced for {$1700.00}. Called to resolve where the additional {$900.00} charges came from, as they didn't appear on my XX/XX/XXXX invoice.Escalated up to " manager '' level and got a shell game about billing cycles but no explanation of how the {$900.00} failed to show on my XXXX invoice but suddenly showed up in XXXX When mutual review turned up {$600.00} in transactions. All attempts to clear up how {$900.00} I allegedly owed them failed to show in the previous invoice, as per Capital One I had entered XXXX with a remaining balance of {$15.00}. After failing to get an answer as to how a balance from a previous billing cycle wasn't shown on the next bill and then somehow got carried forward to the bill after that, decided to contact CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I brought in a check at Bank of America and they took it and deposited it, they said that I should have my money by the next business day. Hours later I received a hold on my account and they claimed placed a hold onto my because of suspicious activity or concerns they check would not clear. I work for the XXXX XXXX XXXX XXXX and brought in a clear ID of my work ID. The check is clearly not fraudulent. They have placed a 7 day hold and will not let me access my funds not even partially.

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 2021-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
XX/XX/22 at XXXX pt. 
Lost account access, all funds depleted from account while on the phone with account member fraud services.

Reported to bank and still do not access to account, fraudulent person 's still obtain my account information. Have emailed over 25times, and called with recoded calls made to chime bank 4times. Filed police report with XXXX county police where account was accessed from, and funds taken, contacted store manager and have full cooperation from them. But still no access, to my account, no credits back and no sign of that soon. Said 5 days tell a formal complaint can be made, account suspended, and all my personal information still in the hands of the fraudulent useres who now have all my personal data, address, dob, social, depositing account numbers, email info, and still trying to access linked accounts and depositing account. Which one is my Washington state unemployment which was deposited an hour before theses charges and account drained from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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 dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law.Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
A few weeks ago, I submitted an application with JPMorgan Chase to refinance my primary residence. Initially, I submitted a loan request of {$400000.00} pending a current appraisal. My appraisal came back, and my property was valued at {$540000.00} which means the maximum I could borrow was 80 percent ( {$430000.00} ). According to Chase own requirements and standards, as a Self Employed individual my DTI could not exceed a 43 percent. After submitting all the required documentation, I was told that based on my taxes for XXXX and XXXX, I could only be approved for {$360000.00}. ( My XXXX taxes are on extension until XXXX ). 

Given this reduction, I asked that the specialist provide me with a breakdown on how they derived to such a high DTI. After providing me with the breakdown, I discovered that the underwriters had miscalculated my monthly bills by approx. {$600.00} per month. Given this error and based off of Chase own policy, I qualified for the {$430000.00}. However, when presenting this to JPMorgan Chase, I was met with resistance. The specialist informed me that although I qualified for the increase that they would not increase the loan amount until they could verify my XXXX income. ( See direct quote below ) Hi XXXX, Thanks for sending us that file, and per your request to send you an email regarding my phone call this morning : since we do not have your XXXX tax returns, we wouldnt be able to update your verifiable income, therefore we have to remain with the current loan amount and counteroffer. 


I was shocked. How is it that I qualify for a {$360000.00} with my 2 year ( XXXX and XXXX taxes ) but I do not qualify for more unless I provide my XXXX taxes? So basically, Chase is saying that they do not feel comfortable giving me {$70000.00} unless I provide my XXXX taxes but are comfortable giving me {$360000.00} with the current taxes they were provided? Obviously, this is unacceptable and should be looked into. I am a minority woman, and this logic appears to be discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/2021 - XXXX-XXXX  I filed a complaint against Wells Fargo as I had called and let them know about my financial situation and asked if we could lower the payments or if there was any other assistance. The rep was quite mean and told me there was nothing they could do and I had to make the payments or they would keep posting to my credit report ( which is really hurting my credit score or ability to get any financial help ). XXXX XXXX from Wells Fargo responded with the attached letter saying he didn't have any record of the phone call but informed me to call and that they could provide additional assistance with the payment options. I then called him several times and never got to speak to him. I then called customer service AGAIN and was told AGAIN there was nothing they could do for me and that they do not provide refinancing at this time and I had to come up with the $ XXXX/month. I have lost almost all of XXXX XXXX during Covid and my income has been severely slashed. Im trying to rebuild the XXXX but it has been tough. I'm not sure why XXXX would say they could help me but the reps say they can not.

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 2021-07-23 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I called synchrony XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 in regards to using covid debt relief payment option for my card. They agreed and allowed me to skip the payments during those months and not report this to the credit agencies. XXXX failed to follow through with the latter and have been reporting those late or missed payments to the credit bureaus even after calling and talking to them multiple times.

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 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MD

Complaint narrative:
We initiated an application to refinance the loan on our investment property ( aka, the family home we were unable to sell during the financial crisis and had to make a rental to avoid foreclosure ). We initiated the application with Loan Depot, LLC ; the application is still in process but nearing completion. Loan Depot changed the Mortgagee Insured on our property 's insurance policy, removing the existing Mortgagee, prior to completion of the loan application, prior to closing, and prior to having any financial risk that was appropriate to insure. The existing mortgagee has been deprived on its rightful place and coverage, and will likely initiate forced-place insurance to cover this change. This forced place insurance we will have to pay for, at greatly increased rates, without regard to the existing insurance that we have paid for. Loan Depot had no authorization to make this change, did not communicate this, and did not request permission from us. Loan Depot 's response to our objection is 'this is just something we do, we want to get things rolling early '. I am deeply concerned that they do this as an SOP and that this is not a human error but a conscious and consistent policy. This was so stated by the Loan Depot representative when challenged on why this was done. They are risking injury to us, to our mortgagee, and all consumers who use them along with their mortgagees, when they alter existing financial contracts prior to completing the mortgage process at a formal closing. What happens in the interim when there is an insurable loss at the property and the mortgagee is NOT named on the policy, but Loan Depot is? Loan Depot has no business being insured prior to closing and has no business removing our existing mortgagee from our insure prior to Closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
Again I am sending this complaint. Because the company did not address one thing in their response. They did not respond to the 4 months of emails I sent their company which were attached THAT THEY NEVER RESPONDED TO. I DISPUTE EVERYTHING ABOUT THIS. THE TOTAL. ALSO I RECEIVED THE INFORMATION I OWE THEM XXXX. THE INTEREST RATE THEY TRIED TO SEND WAS WRONG. IT IS ILLEGAL CA LOAN. THEY MODIFIED THE LOAN AT SOME POINT BUT PRETEND THEY DID NOT. SENDING THIS TO THE CA ATTORNEY GENERAL AS WELL AS THE FINANCIAL BUSINESS OVERSIGHT DEPT OF CA NOW AS WELL WITH ALL OF THESE COPIES. SINCE I CONTINUED TO DISPUTE AMOUNTS ON THIS LOAN AND LOAN ME REFUSED TO RESPOND TO ANYTHING IN WRITING THEY ARE IN VIOLATION OF FDCPA. THEY LIE CHEAT AND STEAL AND I BELIEVE A LAWSUIT IS THE ONLY WAY TO HANDLE THIS. THEY DID NOT RESPOND TO ONE DISPUTE AND THEY ONLY WANT YOU TO CALL IN SO THEY CAN LIE. I RECORDED CONVERSATIONS WITH THEM. I REQUESTED THIS BE REMOVED FROM CREDIT REPORT IMMEDIATELY SINCE THEY REPORTED EVERYTHING INCORRECTLY. YOU CAN NOT REPORT DELINQUENT WHEN YOU NEVER SEND STATEMENTS FOR 2 YEARS THEN START SENDING OUT FRAUD LIKE EMAILS AND WHEN I QUESTION ITEMS YOU JUST IGNORE EVERY SINGLE EMAIL LOAN ME. YOU SEND OUT FALSE STATEMENTS AND I ATTACHED THOSE AS WELL. I WILL NEVER DROP THIS UNTIL IT IS REMOVED FROM CREDIT REPORT AND WILL MOVE FORWARD WITH LEGAL REPRESENTATION IF NEEDED. I DO NOT WANT THIS HAPPENING TO OTHER PEOPLE AND I WILL TAKE RESTITUTION FOR DAMAGES DONE. I HAVE NOTHING ON MY CREDIT REPORT REPORTED NEGATIVE BUT YOU BECAUSE I PAY MY BILLS. I DO NOT PAY ILLEGAL LOAN COMPANIES AND WILL CERTAINLY NOT PAY WHO YOU TRY AND PASS THE BUCK ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery has placed a collection on my credit profiles claiming that I owe {$1900.00} to XXXX XXXX. Ive never had an account with XXXX XXXX. I have reached out to this company 3 times between XXXX and XXXX of 2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TX

Complaint narrative:
Unauthorized reporting multiple laws were violated.

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 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have a creditor called XXXX there are 4 accounts on my credit file totalling around XXXX for student loans from XXXX XXXX back in 2001 according to XXXX  these accounts are closed and have a XXXX balance but transunion refuses to put that on my credit file they argued with me and said yeah they are closed but you still have a balance they will not report the right information these are not even my student loans they said I went to XXXX XXXX but I went to XXXX XXXX in XXXX Co I've tried explaining this to the department of education as well and have not gotten anywhere except a run around. but I would like transunion to report the right information

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