vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: MA

Complaint narrative:
On XXXX, Original Creditor : Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX, add a derogatory mark on my credit report per XXXX  XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Cajie LLC
State: NV

Complaint narrative:
I had a mortgage broker do a hard pull on my credit report without my consent! 

XXXX XXXX Senior Mortgage Loan Originator Transaction Coordinator - XXXX Team XXXX Office : XXXX ext XXXX Cell : XXXX NMLS XXXX When confronting her she tried to blame me and then had her file paperwork about incorrect credit pull she claims she did and said 30-90 days. Its been almost 120 and nothing has been done

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 2021-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank took the amount for the second installment of my property tax on XX/XX/XXXX and as of today no payment to the county has been made or received. Additionally four ( 4 ) calls to US Bank asking for confirmation and proof of the payment has only resulted in multiple explanations, obfuscations and outright lies of wire payments made the day of the withdrawal from my escrow account. 

They have simply also refused to provide me with even an explanation of where those funds actually went or how they were used.

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 2021-09-24 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 — Investigation took more than 30 days
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Repeated attempts to unfreeze my account with Equifax were met with answers that my identity could not be verified based on the questions asked. When I initially froze this account I was advised unfreezing would be an easy process by using the pin I was provided. There is now no way to use the pin and your identity verification process does not work. Furthermore, I can not access your site which tells me to call a given number. That number is of no use because it will not verify my identity by using the questions provided. Wish I'd had this much trouble freezing it in the first place and I would have given up. Unfortunately, having it not frozen is no issue, being unable to unfreeze it is a huge issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
credit card was with XXXX  XXXX without knowing they transferred balance to XXXX XXXX XXXX XXXX  is not licensed in the State of Az placed debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
On XX/XX/2021 I, the original creditor and consumer, attempted to enter into a consumer credit transaction with XXXX XXXX. The " money man '' XXXX came and was rude with me and denied my business because of my nationality. I was very clear about my rights as a consumer and that they were being violated and that I would like to remedy. He denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. How can this account show the payment status of 30 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. XXXX and XXXX Credit Bureaus are also reporting this company to be the owner of the debt when they are not! The account was purchased by another lender. I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history for me to review the exact date on which the late payments were posted but NO changes were made. NO investigation was conducted at all. You can validate this information by investigating the matter, please do so and remove the defamatory information they are currently reporting.

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 2021-09-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: MA

Complaint narrative:
On XXXX, Original Creditor : Collection XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency and Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove this account immediately

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 2021-09-24 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:
My name is XXXX XXXX and I've sent in several documents plenty of times in regards to being a victim of identity theft. I have 5 fraudulent accounts on my credit profile. I've contacted the credit bureaus several times as well as file a theft affidavit. I filed a complaint with the Federal Trade Commission and the CFPB. 
I'm unsure as to why the items haven't been removed. Can you please delete the fraudulent items from my report ASAP. I've enclosed copies of everything. 
Thank You XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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 — Investigation took more than 30 days
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I have filed a dispute regarding the incorrect items on my credit report. It has been over 30 days and I have not received investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/2021 amount of {$1300.00} My Barclay Mastercard was used on a fraudulent charge for a jetblue ticket. I called the customer service the same day I noticed the charge, they told me to wait a week. the charge was temporary removed but recently they placed it back on my account, according to their investigation department, their decision was made based on the fact that in the past I had purchased tickets with the same airline. Not this time. I did not make nor authorized this transaction. I called their customer service department and they want me to fight the charge with the airline ; however, the airlines does not provide any information. I decided to close the account with them. However, the balance is there and I will not pay for the something that I did not use. It's a fraud. 

Thanks

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 2021-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have asked Chase Bank REPEATEDLY -- twice in person, and at least once over the phone to close checking account number XXXX with routing number XXXX as I NO LONGER NEED IT. 

For whatever reason, they are keeping it open for THEIR convenience, not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I being original creditor, consumer and natural person recently sent a debt validation letter to OneMain Financial Group, LLC pursuant to 15 USC 1692g requesting validation not verification, those are two different things. I also requested OneMain Financial Group, LLC to provide copies of their 1096 tax form, their 1099-OID, their INC, and their PRC in reference to the account. I being the federally protected consumer, natural person and original creditor, sent along with the debt validation letter, a cease and desist letter and a consumer enforcement settlement containing my statement of damages ( violations in accordance with civil liability ) for the debt collectors transgressions against me as a consumer under 15 USC 1692 and Identity Theft. Please review attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was part of the XXXX " XXXX to Barclays '' transition. I had an XXXX branded XXXX credit card for years with no problems. XXXX recently decided they would transition everyone over from a XXXX XXXX to a Barclays Mastercard. I never gave anyone express permission or signed anything permitting a Barclays account to be opened in my name. I tried to call Barclays to prevent the account from opening, but since I did not have an activated card yet there wasn't really a way to get a Barclays customer service representative. I recieved the XXXX Barclays Mastercard in the mail, and I thought if I activated it at least I could contact Barclays to close the account. In the past week I have attempted numerous times to reach a customer representative on the phone ( the only way I can cancel ) with no success. Wait times typically run over an hour before I disconnect. These are not isolated incidents. Numerous complaints on social media indicate wait times up to 4 hours before people give up. Barclays is making it impossible to close this account. I do not want to do business with them, and there apparently is no realistic way for me as a consumer to terminate this relationship.

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 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX CONTINUES TO IGNORE MY METHOD OF VALIDATION/VERIFICATION LETTER! 
They have sent me 3 reinvestigation reports within the past 2 months stating that they performed a reinvestigation! This is a lie and they are in violation of 15 USC 1681 a ( e ) I have sent them an AFFIDAVIT OF TRUTH along with evidence and proof of their blatant lies since they continue to ignore my requests and remove this INCORRECT PUBLIC record on my report.

I also sent them proof that they REINSERTED this INACCURATE Public record which is a VIOLATION of 15 USC 1681i ( 5 ) ( B ) They continue to VIOLATE my RIGHT TO PRIVACY according to 15 USC 1681 ( a ) ( 4 ) and are profiting off of my data while I suffer! 

They claim they have a permissible purpose to furnish said data but NO PERMISSION WAS GIVEN TO THEM from the ORIGINAL SOURCE! They are in violation of 15 USC 1681b ( a ) ( 2 ) According to 15 USC 1640 THEY ARE CRIMINALLY AND CIVILLY LIABLE!

I am holding them civilly liable since they are blatantly disrespecting the laws of congress! They have no regard for the Law and they have no regard for my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Ever since Experian added incorrect name and address and employers on my credit report per Score sense. Upon farther research this names and address and employers does not belong to me at this moment in time. I have only 1 address and 1 name I do not have any aliases, and only one Employer what these Credit Reporting Agencies are doing is criminal in itself. Because by receptively and despitefully continuing to criminally behave like this what this Credit Bureaus are criminally putting my reputation on the line, even after multiple attempts on my part to contact them for them please update my name as it clearly shows on my Government issued Docs and for them to please remove and aliases because I never had any aliases and to please remove any old addresses of my credit reports. Since I have been a victim of identify theft in the past I am extremely afraid of falling victim of identity theft again lost the identify theft filings documents in a fire that completely ravaged our house years ago, because our family house had caught on fire so I lost all the documents that I had. Notwithstanding these Credit Reporting Agencies have completely ignored my multiple Request to them to please fix these major issues that are constantly showing my credit report profile on the contrary these agencies are frivolously subjecting my credit profile to fraud. According to the FCRA, ( Credit Reporting Agency Names are violating my rights as a consumer and I'm requesting legal action to remove these names and addresses employer immediately

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 2021-09-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX I went to XXXX, they asked me if I wanted a discount and I would sign up for a credit card. I never received my credit card or a statement of my charges. For 3 months I called them and asked for the card statement so I can make the payment, updating my address every time to the exact same address as they claimed that the reason I never got it.

It frustrating paying a bill when you can not see what you have been charged for.

3 months later they tell me they will take me to the collection agency if I dont pay I explain I would like to know what I am paying they say they cant tell me. They will send me a statement of course again I never get the statement.

They then call intimidating me that I have to pay right away over the phone even if I havent gotten a statement. They couldnt send it by email or mail.

I ask them to pay the full what I owe. I close the account that day. 

Now they have put a charge of XXXX dollars on my account that they say I owe as the bill when I paid was processed XXXX after and therefore they will charge me XXXX dollars and a fee of XXXX dollars. They are complete scammers. Theyve taken advantage of me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: MI

Complaint narrative:
Almost every month my son-in-law sends me {$600.00} via Google Pay into my financial institution savings account. I received an email from Google Pay that my son-in-law has sent me {$600.00} to my Google account on XX/XX/2021. I received another email from Google that this amount was added to my Google Pay balance on XX/XX/2021. It usually takes a couple of days so I waited. I received another email from Google Pay that the {$600.00} was transferred to my banking institution on XX/XX/2021. I checked my financial institution the following week but it did not show up. This went on for a month and then I contacted Google via a " chat room '' as you can not speak to anyone directly over the telephone. After 77 emails between Google Pay and my banking institution, still no money. My bank blames Google and Google says they deposited the money into my checking account but can not tell me the checking account # other than it ends in XXXX. My bank says they do not have any accounts that end in XXXX. I asked why Google chose this one and only time to send it to checking when all other transactions were deposited into my savings? They just referred me back to my banking institution. My bank sent them a letter ( through me ) via email. Still nothing. I told Google I would be sending this to my attorney. My attorney is working on it but told me to make a complaint to CFPB as well. It is XXXX XXXX, 2021 and no money. My belief is fraud is involved where someone hacked into my google account and added a fraudulent checking account and diverted the funds that way. Just guessing and very frustrated.

Company response to consumer: Closed with explanation