vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Recently they are reporting I paid all last year late and I have XXXX payments over 30 days late. I disputed it with XXXX and told them they need to correct it. They refuse to do anything stating I have to send them a full copy of my credit report before they will investigate. I have also paid the amount they claim is past due. The loan pulls 2 times a month and I was never 30 days late. It did not show any lates last month when I checked my credit report, so I do not know what changed. I asked to speak to a supervisor yet was told I could not be connected and had to wait at least XXXX hours for a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive been dealing with this issue since the beginning of this year. Capital One continues to state this account is mine when in fact my social security was stolen to create this account. Ive already spoken to representatives and know it was created online. On XX/XX/XXXX I received a letter stating why they believe the account is mine. The first reason was because of the address, Ive already stated to Capital One that my mother took my social and made the account without my knowledge hence why I would be listed at the same place. They also list my phone number and thats extremely fraudulent because I told XXXX of the representatives to contact me when new information about the case arises and I specifically told her NOT to put my number on this account because its not mine. They placed my number on the file without my consent ( this can be found in many recordings stating this especially during XXXX summer ). The last bit of evidence they stated clearly shows what Ive been stating since the beginning that the account isnt mine. Capital One states that on XX/XX/XXXX I had called to get a new card. If the investigators at Capital one did what they were supposed to theyll realize the number is a completely different number and its my mothers number. If they listened to that recording Im sure they can compare it to every phone call Ive made to them about this being fraudulent and realizing its XXXX separate people. I also have evidence to show I was not even in XXXX in XXXX because I moved to XXXX for a short time for school and family ( aunt and uncle who can also be a witness to this ) but moved back due to the pandemic in XXXX. I have paychecks that can confirm I was not at the address at this time again due to abuse at home. Please remove this fraudulent account from my credit report or XXXX have to further this to a judge who will listen. This is tiresome, I just want this issue fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My XXXX XXXX account alerted me to a hard credit check by Capital One. I had seen a credit card junk mail from them in my USPS app that tells me about my daily mail. I was in another state on vacation. I never got that mail-and I know that other mail had been stolen from that box, because I received a separate alert on that account. I called Capital One. The person I got spoe limited English, and appeared to be speaking from a script.

She could only help me by giving me a mailing address to some anonymous department-I am not even sure that she understood my problem at all. I want automatic denial of any credit card application to Capital One, and I want the hard inquiry on my credit report removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was a victim of fraud in XX/XX/2022 and reported it to Citibank. I was told to go into the branch so that they could close and open a new acct for me as a measure against fraud. My previous acct had a line of checking plus of {$1000.00}. Due to the fraud hitting my credit score for multiple reasons, ( Citibank, Amex credit card and XXXX ) my credit score was lowered. During this entire process I was assured I would be approved for the overdraft. Turns out, the managers at the XXXX Citibank in XXXX, lied to me by providing misinformation. They are not authorized to tell customers if they will get approved for certain products as this was the case in my situation. Overdraft is given SOLELY on credit score and given my score took a hit during this fraudulent activity there was no way the managers should have ensured me that everything would be the same.

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 2022-12-28 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: VA

Complaint narrative:
XX/XX/XXXX - Submitted credit application with XXXX having forgotten about freeze on all three credit bureaus - Temporarily lifted freeze on XXXX and XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - Forgot password on Equifax on single try - called Equifax to temporarly lift freeze XX/XX/XXXX - XX/XX/XXXX - Confirmation number of this temporary freeze lift was XXXX - XXXX pulls Equifax credit report and issues loan pre-approval - First indication that American XXXX XXXX XXXX ( XXXX ) could not receive Equifax credit report XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - No activity XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to confirm temporary lift of freeze, initial agent identified freeze was lifted and mentioned a birthday issue she could not discuss - forwarded to fraud prevention who could not see initial temporary freeze lift XX/XX/XXXX - XX/XX/XXXX, conducted second temporary freeze lift online through myEquifax for XX/XX/XXXX - XX/XX/XXXX, agent was able to see the freeze and stated it would take an hour before it was able to be seen by creditors ; conducted credit report using my Equifax which came up completely blank, informed agent who was goint to put me in touch with Equifax XXXX prior to hanging up on me. 
- Called Equifax to continue with temporary lift of freeze, confirmed with agent that freeze was lifted, and received first notification of requirement to submit documentation of drivers license and social security card ; documentation and cover letter was sent via fax by XXXX EST. 

XX/XX/XXXX - Received call from XXXX XXXX XXXX XXXX that Equifax credit report could not be obtained by XXXX. 
- Called Equifax to discuss temporary lift of freeze and receipt of documentation ; agent confirmed problem with birthdate ; requested to speak with a supervisor and agent hung up on me after putting me on hold. 
- Called Equifax to discuss documentation and need for credit report for XXXX ; agent identified they would take XXXX - XXXX business days to process paperwork ; I questioned where this birth date issue was coming from and was told about fraudulent activity for the first time ; I asked why there was no contact by mail, phone, e-mail, text, etc with this issue until I am in the middle of a finance transaction from XX/XX/XXXX with no answer, asked to speak with a supervisor and was told it would not make a difference ; explained that I would discuss a complaint with the XXXX XXXX XXXX XXXX ( CFPB ) ; I was on hold over XXXX hours for a supervisor. 
- Called Equifax to speak with a supervisor and told twice there is no supervisor available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have attempted to rectify this issue with EXPERIAN to no avail. The investigation opened on XX/XX/2022, # XXXX, has now been much over XXXX days as described for a resolution per EXPERIAN. The date is now XX/XX/2022 and the complaint is still opened. The account should be removed from the report per the following laws. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ACCOUNT # : **** 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 XXXX 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 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 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
I had cancelled before the contract date was up. I was told I owe no obligation. I'm not paying {$1000.00} for a mistake especially because of a Gym Owner messing up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: AES/PHEAA
State: FL

Complaint narrative:
I submitted a SS # mixup dispute ( between my XXXX and my SS # ) with XXXX on a student loan with XXXX XXXX XX/XX/XXXX. They sent a copy to XXXX but XXXX wouldn't remove it. My sister called to follow up and they required addtional documentation which my XXXX uploaded on XX/XX/XXXX. We have been following up regularly and everytime we call, they say a few more days. They won't talk to me even if its my SS to follow up on the status. On XXXX they said XXXX days. On XX/XX/XXXX they said XXXX days. Yesterday they said a few more days. How long does this take! they have all the documents they need!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My name is XXXX XXXX. My social security number is XXXX. I have a account loan with Chase bank. On XX/XX/2022, I made a cash payment in the amount of {$440.00} in a Chase Bank ( branch number XXXX ) for the not the XXXX, XXXX  car payment. However, I received a letter in the mail stating I owe a balance of {$320.00} for the month of XXXXXXXX XXXX. Another letter was mailed to me for the month of XXXX, XXXX stating the balance I owe is {$540.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
Subject : Disputing Information in Credit Report DUE TO : ( 1 ) NO PURCHASES FROM AND ( 2 ) COMPANY OPENING AN ACCOUNT WITHOUT MY KNOWLEDGE. COMPANY NAME IS GINNYS. 

I am writing to dispute the information that is currently affecting my credit history. 

We have been scammed by a company whose name is Ginny 's. They are in XXXX WI XXXX. We have never heard of this company until this issue started. 

We started getting some mail from this company. We thought it was junk mail and threw it away. When I opened one of the mailings recently, it looked like a bill for a purchase they thought I made. The letter looked official and had an account number assigned to me.

Today when I was paying bills, I noticed my credit history had gone down. The company 's name that appeared on the list was Ginny 's and it says I have not paid. I saved some of the recent mailings. I am requesting that Ginnys wrongful credit report be removed AND that my previous credit rating be resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.

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 2022-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have reached out to Westlake Financial on numerous occasions to get the documentation for the auto loan they are reporting on my credit reports. After several attempts, they have failed to provide me with anything. Tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 

I requested my original contract, legal disclosures, all documents required for the repo and anything else they have in their possession. I never received it. 

I could easily take them to court for continuing to report this account on my credit reports since i did not give them permission to do so in the first place. At this time, I am simply requesting this account be deleted from my credit reports.

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 2022-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In mid XXXX, I got a letter in the mail that my card was shut with no explanation I tried calling but they wouldnt give me any answers. I have a great credit score and never missed any payments. Ive made this my go to card as I travel allot on XXXX XXXX and I dont think its fair they should just close my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
To Whom It May Concern : Ally Financial and XXXX XXXX XXXX has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts. 

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

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 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a notice that I do not have insurance on my home and threatened to have insurance bought for me. I have insurance and provided proof of insurance at the time of switching companies. Now I am responding to your letter a second time and nobody in the insurance department will answer the phone. After 25 minutes on hold you disconnect me. If you are unable to service my loan sell the servicing rights. Most incompent bank I've ever dealt with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I contacted Select Portfolio Servicing on XX/XX/2022 to advise them of my previous telephone calls stating I would pay the escrow deficit in two payments. On XX/XX/2022 my regular mortgage payment was submitted with my online banking institute. XX/XX/2022 {$500.00} was also submitted for the specified ESCROW DEFICIT. Having spoken on XX/XX/2022 to XXXX who did not give his last name, I told him about the agreement on the payment of escrow and the previous telephone calls, I was told he knew nothing about any agreement and I then asked to speak to a supervisor, he told me none was available, I asked a supervisor could return my call, he said no, I will receive no calls from any supervisor and insisted he was the one to handle this situation and would not allow me to speak with any other person. He told me have a nice day. I told him I will contact the Consumer Financial Protection Bureau. Be advised all these call are recorded when you give permission which I did. Please listen to all the telephone calls. I am giving you permission to do so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
Hello! 

There were XXXX unauthorized charges on my account. 

- Amount : {$75.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$50.00}, Merchant : XXXX XXXX, Date : XX/XX/XXXX - Amount : {$300.00}, Merchant : XXXX XXXX Date : XX/XX/XXXX As soon as I noticed the charges I cancelled my account and then immediately reached out to the lenders. 

I first called XXXX XXXX. I asked if they can look up the charges on my card ending in XXXX. They told me they weren't able to do that but were able to verify that I haven't made any charges on my account since XXXX of XXXX and I verified those charges were authorized. 

I then called XXXX and asked if they had charged me on XXXX of my reservations since I actually bought a flight a month ago and canceled it. they assured me there were no charges on that reservation number and to contact my financial institution because I was already refunded. 

I then called Chime multiple times to report these charges and they filed my complaints. just 2 days later I got a response back telling me that no error occurred because I was making other charges around the same time and that I said I didn't have my card. This was false- I never said I didn't have my card and that was an error on the representative 's side that could be verified by looking at our call recording. 

They claim no error occurred but I did not make these charges and they won't do any investigative work to see who did and denied my refund. This is an awful company with awful customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kason Credit Corporation
State: RI

Complaint narrative:
I have attempted to rectify this incorrect debt claim to no avail. I have previously opened a complaint, # XXXX, stating the debt was not mine and I was a victim of identity theft. A report was also filed with the FTC, # XXXX. I have received only one correspondence from the debt collection company, at which time I had returned contact and explained the debt was not mine and there is a misunderstanding as this was due to identity theft and I never had a contract that I opened. Please see below the previous complaint information, as I was contacted by KASON CREDIT CORPORATION in regards to an outstanding balanced owed to XXXX - XXXX XXXX in the amount of {$450.00}. I was a victim of identity theft, personal identification and other sensitive information to my identity was stolen. I have filed a ID Theft Report report with the FTC regarding the issue. This debt is not mine and believe my information was wrongfully used to open the account. The company 's return response is not accurate. I have not received " numerous letters or voice messages '' as they have stated. I received one letter and contacted them immediately, stating that I did not complete the contract or agreement in question and it was fraudulent. Including, but not limited to, completing a report with the FTC for identity theft.

Company response to consumer: Closed with explanation