vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/2023 I transferred my monies from one savings account at Capital One to the 360 savings account also at Capital One. I then tried to add my daughter as joint account holder ( who was a joint account holder on the first savings account ) and designate my beneficiaries. I talked to two different customer service reps at two different times and they could not help me until I added my cell phone number so they could verify my identification. I did that and the phone number was added to the account on XX/XX/2023. When I would go online to add my daughter, it would not " recogniize '' my phone number, with a list of reasons for that happening, and direct my to call an XXXX number. I have called this number several times now and every customer service rep has tried something different and can not get this resolved. 
I have been to the XXXX downtown branch of " Capital One Cafe '' on three different occasions to talk to a service rep in person and they can not help me. 
This last attempt was on XX/XX/2023. I brought my daughter with me, my id and my cell phone They sent me a verification to my cell and they viewed my id, and pulled my my account on their laptop. I showed them the screen online where it won't take my cell phone for verification and it directed them to call the XXXX number. They did so. I am sitting right in front of them with my ID, my cell phone and my daughter with her id and they still can't help me get my information added. The last thing the service rep said was that the cell number needed to be in their system for 30 days before they could add my joint account holder and beneficiaries to my account. 
What? Is this even legal? How can they make me wait to put pertinent information on my account? 
I am XXXX years old and this has caused my considerable distress and loss of sleep for over a month now. I want to know that if anything happens to me, my daughter can access my account for any emergency that arises

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. 

DATE XXXX XXXX COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NY

Complaint narrative:
A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX and let them know and they said they would take action to get this removed from my credit report. I also called Experian and they said they would do 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 non-monetary relief
Consumer complaint received 2023-04-03 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:
on XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXXXXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: TX

Complaint narrative:
on XXXX 2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX  XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX  did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.

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 2023-04-03 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: TX

Complaint narrative:
on XX/XX/2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX  has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.

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 2023-04-03 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: TX

Complaint narrative:
I've tried to fix an error that is reporting to my XXXX and Transunion report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent 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 non-monetary relief
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
On XX/XX/2015 a account by XXXX XXXX XXXX XXXX XXXX was attached to my credit in the amount of {$7000.00} for a auto loan that a family memeber ( s ) used my identity fraudulently to add me as a co-signer for this vehicle. I never agreed to this nor did I sign anything. The family member ( s ) withheld all information regarding this account from me until an inquiry on my credit revealed it to me just 30 days ago I attempted to have the item removed but it was unsuccessful. I reached out to the company and was to yo file an complaint here.

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 2023-04-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was alerted by XXXX that Bank of America had received information from my credit report on XX/XX/2023. I did not authorize this and have not applied for any credit or loans recently.

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 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage was originated with XXXX XXXX  in XX/XX/2019. 
I applied for and received forebearance due to Covid. To exit the forebearance, I was approved for repayment at the end of the mortgage term. During that process, my mortgage was sold and is now being serviced by Mr. Cooper. They are not honoring the agreement I received from XXXX even though I have multiple papers stating that nothing would change. The offer from Mr Cooper was to raise my mortgage payment by approximately 30 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: EQUIFAX, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was XXXX  on XX/XX/2016 and was XXXX XXXX XXXX XXXX XXXX XXXX. I had become aware that my credit card account had been closed and a charge-off reported to the credit bureau XXXX I reached out to the company to inform them i was currently XXXX  and didn't give anyone permission to use my card. They requested information that i provided and now they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: MS

Complaint narrative:
So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2022 I received an email from a person claiming to be Professor XXXX XXXX from XXXX in regards to an open XXXX XXXX XXXX  role. I had previously shown interest in a XXXX XXXX XXXX role at XXXX XXXX XXXX as I was studying there at the time. I expressed my interest for being considered for the role by sending my resume to which they replied positively to and told me I was the most ideal candidate for the role and hired me. First thing they asked me to do was to buy a laptop and printer as they said I would require both for the role and proceeded to send me a check of {$2100.00} to buy the new equipment. The check was later discovered to be fake but when I scanned the check to deposit the money into my PNC bank account, PNC deposited the {$2100.00} to my account the very next day. After PNC deposited the {$2100.00} from the fake check in my account the scamster then asked me to send {$1100.00} and {$920.00} payments on XXXX to a person he said he had appointed as his assistant who would help me get the new equipment ( laptop and printer ). I sent him the money as to that person and later that evening discovered that I had gotten scammed for {$2000.00} after which PNC also proceeded to removed the credited {$2100.00} from my account leaving me with a negative account balance as I had less than {$150.00} in my bank account at that time. My complaint is that PNC Bank should not have deposited the amount from the fake check in my account in the first place for me to proceed with the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
This is a FRAUDELENT XXXX charge for an unrequested security system installed in a newly purchased home ( without permission to enter the premises ) during a XXXX service call to initiate cable service in a XXXX XXXX premises. The technician gained entry when a remodeler let him in. They FORGED my signature to installation paperwork. I was not even on the premises! The home already had an active security system from XXXX so I certainly never wanted a second one! The XXXX XXXX has long since got rid of XXXX as the cable provider in the community due to many complaints by homeowners about poor service and corrupt billing practices. 

I spent several hours disputing this with XXXX and their collection agencies around XXXX and XXXX. They even tried to negotiate a reduction in the fraudulent bill for their fraudulent " service ''. This matter was finally settled once and for all with all the credit reporting agencies. Now XXXX is trying to revive this fraudulent bill once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CA

Complaint narrative:
XXXX and Equifax are not follow your law Section 605C of the Fair Credit Reporting Act. XXXX removed the items I disputed, but the two CRA 's listed stated that I did not provide the requested information the needed in order to remove the items, address and telephone numbers that I ask to be removed. I provided a copy of the reason why they did not complete the process of removing the inaccurate items. Both XXXX and Equifax stated in their letters that I did not provide the victim determination documentation. This is untrue, I provided the same documents to XXXX and it was also notarized. 

Equifax under confirmation # XXXX letter sent on XX/XX/2023 stated that they sent me out two notices so that they can correct the problem. I only have the one notice which is the only letter they sent me. I will provide a copy of the letters both CRA 's sent to me. I will also include a copy of the letter from XXXX removing the adverse information that resulted from being a victim of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
A notice of default was filed on XX/XX/XXXX against the Estate of XXXX XXXX XXXX who is the borrower -- now deceased -- on a HELOC illegally obtained in XXXX. Her XXXX daughters as co-personal representatives were served notice of the default. in the The lien on my property is in the amount of {$500000.00} because she used my home as collateral without my approval or knowledge. She manipulated recorded ownership documents to qualify. My home address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( mailing address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). XXXX was using an expired trust to convince Wells Fargo mortgage department that she was eligible to act as trustee for her daughter 's estate, the Estate of XXXX XXXX which was the legal owner of record of the property at the time. She was granted a personal loan by claiming it was her primary residence which it was not. In fact, all correspondence to her went to her personal primary residence on XXXX XXXX and not our home. We are subject to the foreclosure. This is negligence and fraud on the part of Wells Fargo as conspirator in granting this 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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I am writing in addition to closed claim # XXXX - since then I have received a number of calls ID 'd as Bank of America XXXX It is there official XXXX number calling me repeatedly and not leaving any messages. Today on XXXX  I called BofA and spoke to two associates. The first told me that although my account had been closed last summer due to my trust in Bank of America, that it was still fraud. I spoke to some one in the fraud department who claimed he'd let the appropriate staff know my deep concern. I stated to the associate that it was a crying shame that the bank itself is unable to get a handle on spoofed/fraudulant calls, avoiding their responsibility in protecting their consumers. I am still out of {$3400.00} that was STOLEN via XXXX  by an imposter posing as a Bank of America associate. The bank blamed me instead of securing their product, making it safe for their costumers to use. It is disgusting that the bank continues to do nothing when it comes to bank scams. It should be THEIR responsibility to protect their numbers from being spoofed. I would love my money to be refunded by Bank of America, the damages done by their lack of accountability has impacted my life significantly. I could USE THE MONEY I EARNED.

Company response to consumer: Closed with explanation