vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received an offer that clearly stated Im preapproved for a higher credit limit. Its very clear this is one until XX/XX/XXXX. I responded and applied giving sensitive personal income information and they said the offer was no longer valid. They in a second reply to me asked for more sensitive and personal information. In a third reply, they told me I had to apply and this offer wasn't valid despite the letter I received clearly saying I had until XX/XX/XXXX and I was pre approved. I think they are trying to mine additional personal information from me or they are clearly discriminating against me for whatever reason. I simply want what they said was available to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21 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: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/22 I received email from MoneyLion saying that I am late on making loan payments and must pay {$360.00} by XX/XX/22 or the account would be sold. I am not sure if that means to a debt collector or I will be taken to court. I tried calling them several times and even submitted a dispute on XXXX XXXX a month before because I had seen this account on my credit report and reported it as fraudulent. I do not know who opened this account but it was not me and Im questioned how a loan was taken out without verification of photo license or other means to secure accurate identification.

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 2022-11-21 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received letter from Capital One ( Cap1 ) Fraud Protection department that my account was restricted. I contacted a Cap1 representative at XXXX and they told me to upload the 3 consecutive bank statements. I uploaded all information they requested on XX/XX/XXXX, and they told me it should take 3-5 business days to review and resolve. 

Then on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( maybe more calls than that ), I called every day to check my status, but the different agents kept saying different things from 5-7 business to 7-10 business days to review. Today XX/XX/XXXX, which is 10 business days and I have not hear anything, and I called them again. They said the reviewer team has not reviewed and can not provide any information on this case. And told me to wait another 1-2 more days, which also previously promised. I said that I plan to file a complaint to CFPB and the agent did not escalate to resolve my issues and still deferred me to wait another 1-2 days. Agent agreed I should file complaint report as I have everything in my power trying to resolve this issue, but Cap1 is not. 

I am done with the waiting game and zero communication from Cap1 regarding my restricted account. This was XXXX XXXX card which I paid ( {$400.00} annual fee ) for with minimal customer service support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: FL

Complaint narrative:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2022-11-21 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:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I mailed out my FTC identity theft report to Credit Control and notified this company that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked Credit Control to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that Credit Control are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).

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 2022-11-21 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: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
My house got foreclosed because the VA took me out of the retirement payment system. I got behind on my mortgage and couldn't catch back up. Now the foreclosure is on my credit report preventing me from finding a place to live as a retired military veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NJ

Complaint narrative:
There are multiple accounts on my report that I do not recognize

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
THIS CARD GOT A COPY OF MY XXXX CREDIT REPORT WITHOUT MY PERMISSION. ISSUED CREDIT CARD IN MY NAME WITHOUT MY PERMISSION.

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 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir or Madam XX/XX/2022 I sent a complain about Bank of America regarding returning of my payment. Complain number is XXXX and XXXX, complain details are at the end of this message. XX/XX/2022 I got a reply from from Bank of America by XXXX. Contact person is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, phone XXXX extension XXXX ) By this message XXXX XXXX asked me to call her directly by phone to confirm that I am the party who engaged the CFPB. Unfortunately phone number XXXX extension XXXX is wrong, as voice mail requiries XXXX digital numbers for extension. I have called several times to Bank of America ( phone number XXXX ) and have asked to connect me with XXXX XXXX, it was impossible to reach her. I have left my number and asked to call me directly, no call from Bank of America. Bank of America still has not replied my complain Please reply my previous complain and CANCEL AND RETURN PAYMENT REASON : REMITTER REQUEST My phone number is XXXX Best regards XXXX XXXX - - - - - - - - - - - - Previous complain I made a payment in the amount XXXX XXXX usd to XXXX XXXX BANK on XX/XX/2022. XXXX : XXXX REF : XXXX Since XXXX  XXXX payment is in Bank of America. My sending bank XXXX ( XXXX XXXX ) sent a recall request via XXXX XXXX  ( THEIR CASE XXXX ) on the XXXX of XXXX. To the current date my sending bank have not received any responcer. Unfortunately this request was not acquitted by Bank of America and payment was not charged back to my account Please make a chargeback urgently

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 2022-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are multiple accounts on my report that I do not recognize

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 2022-11-21 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: NJ

Complaint narrative:
There are multiple accounts on my report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.

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 2022-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Closed a XXXX XXXX account that had a credit balance of {$150.00}. My overpayment ( refund ) was returned in the form of a XXXX  debit card that expires XX/XX/2023. The paperwork accompanying the card states it is a prepaid XXXX managed by XXXX XXXX XXXX and that it is issued by Fifth Third Bank, NA. 

Complaint : The aforementioned Mastercard can not be activated for use rendering it if no value as evidenced by : 1 ) Call to activate number- The decal affixed to the face of the card states you must call ( XXXX ) to activate the card for use and to obtain a PIN code. The XXXX number disconnects immediately regardless of time of day or phone from which its called. 2 ) The call in support number ( XXXX ) also doesnt work similar to # 1. 3 ) A means of managing the card via a website is also listed as an option : ( XXXXXXXX ). The site requests the card number, the CVV #, and the zip code associated with the account. Accurate entry of the information yields a not recognized response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-21 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Hello, I made an international XXXX transfer from a non-sanctioned XXXX XXXX to a XXXX XXXX. Amount XXXX USD, Value date XXXX. The recipient of the money was an XXXX XXXX CITIBANK N.A. ( XXXX ). The transfer was rejected by the beneficiary bank on XXXX. CITIBANK N.A. informed the sending bank about it. Since then the money has not been returned to the sending bank. On XXXX, the sending bank launched an investigation, but CITIBANK N.A. did not respond.

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 2022-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage # XXXX. 
Fifth Third Bank To Whom it may concern : Our mortgage loan went into servicing on XX/XX/21. Shortly after in XXXX starting on the XXXX, we made several large principal only payments to get our loan to value down in order to drop PMI. See list of dates below : XXXX {$20000.00}. XXXX {$20000.00} XXXX {$40000.00} XXXX {$40000.00} XXXX {$40000.00} Once we completed our last large principal payment, we contacted the customer service line to request the XXXX  be removed. The agent told us that XXXX was a credit and would automatically be removed. After the XXXX did not automatically fall off, we reached back out to the mortgage offices that did our loan last year. She instructed us that we need to request XXXX to drop. As a consumer, I had no idea of the process or how to get the charges to drop. As a consumer, I am seeking a refund of {$610.00} which were overpayments due to a very tricky process of managing or removing the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX a savings account was open online at Bank of America using my identity. I got an email stating it was open and confirmed. I was not the person who opened the account. I had to go into a Bank of America branch to fix this. There was nothing the branch could do but have me wait on hold for an hour with there fraud department. They could not tell how it was opened. I have a credit freeze with the credit bureaus for over a year so my social security number can not be used to pull credit. Bank of America could not tell me if someone used a false ID card to open or anything no Id seemed to be asked for in regards to opening the fraud account. The address I grew up with was used to open the account, I have not lived there for over 8 years.

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 2022-11-21 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 3 Inquires that do not have any relation to me, And I have disputed these items prior with no changes from the credit bureaus. These items are henedring my credit score and they are not factual or accurate inquires. Ive sent an FTC way back in XXXX and still have not got this situation resolved!! 

These are the inquiry items XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX money # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Comerica
State: MI

Complaint narrative:
Scam # : ( XXXX ) XXXX Received : Monday, XX/XX/2022 @ XXXX Message : " COMERICA : A DEBT OF {$310.00} was placed on your card. To APRROVE reply 'Y ' or Cancel Here : https : XXXX/Comerica to RESOLVE. '' *I do not have any affiliations with " COMERICA '' let alone a " card '' or " debt '' concern with said Comerica*

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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