vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
There were about {$7100.00} in fraudulent charges on my Comenity credit card which Comenity did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 Comenity said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
My mortgage was recently transferred to NewRez LLC. Twice in the 6 months they have been servicing my mortgage they have taken unauthorized disbursements from my esrow account to make payments that are unnecessary and unauthorized. The most recent one occurred on XX/XX/2021. As of this moment they have not reversed the charge and my escrow account is missing {$2200.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My XXXX  credit report is getting flooded with soft inquiries from Capital One. I would like these inquiries to stop. Here are the inquiries they've made : XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry XX/XX/XXXX CAPITAL ONE BANK USA NA Promotional Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: CITIBANK, N.A.
State: MD

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: ERC
State: NY

Complaint narrative:
XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT ERC IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
XXXX XXXX IS REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT ARS ACCOUNT RESOLUTION IS A FRAUDULENT ACCOUNT ON MY CREDIT XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT I didnt open any of these accounts and I am a victim of ID Theft Please see the attached FTC report and remove these accounts from my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FL

Complaint narrative:
Hello, I am complaining because I was a victim of Identity Theft and had a bunch of inquiries on Equifax, XXXX and XXXX, I have called XXXX  and XXXX  and resolved the problem with them, now Equifax I have disputed the inquiries online, have called them and talked to them about the situation and they still telling me that they are not going to remove the inquiries on my report. This is very unprofessional and they should know treat their clients especially if its a paying member.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I received my credit report to find that Experian is reporting a XXXX XXXX Account completely inaccurate. Its still showing as a derogatory account when it has in fact been paid in full and is no longer in Collection/Charge off status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX XXXX XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received notification of a new opened account on my credit report through XXXX. The account was opened yesterday ( XX/XX/21 ) for {$60000.00} and I did not open an account. This is potentially fraud. 

Account Information Below : Account # XXXX Creditor Name : JPMCB Auto Finance Industry Type : Bank Credit Card Address XXXX XXXX XXXX XXXX Mail Code XXXX , XXXX , LA XXXX Account Balance : {$60000.00} Payment Status : Current Want to get this resolved as soon as possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: United Military Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2021 I established a complaint against the company, LOW VA RATES LLC. XXXX XXXX XXXX XXXX. XXXX UT XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX. 
Corporate address XXXX XXXX  -XXXX, XXXX XXXX XXXX , UT XXXX- Ph ; XXXX-XXXX-XXXX  Today XX/XX/2021 after asking this company several times not to contact me with this what I believed misleading letters. This company will not respond to my complaint, nor will stop harassing me. It extremely clear, NO I do not want this company utilizing my name for marketing, and I will never do business with this company. 
Whats the intention of this letters, why only Veterans like me being target. This company its using my name and personal information for marketing and solicitation. I just don't understand why this company is very aggressive harassing me with weekly repeatedly unsolicited and never requested mail and loan offers. REDUCTION-ALERT VA- Program. 
How this company got my information, what gives the right to this company to use my name and address .This company needs to respect the fact that my name is at the all the credit bureaus Opp -out list and every credit agency op-out list to included also the DMA and FTC. Please ask this company why they don't respect that, and Im pretty sure they're excused will be that my name got obtained out public records. I would like to know where? 
Please stop remove my name out their data base, and ask every marketing company/ and any company associated with this junk mail offers not to use my name. This company apparently distributed my information to others with the same intention. 

I'm a handicap, I'm a war veteran and also I'm a senior citizen being target by this junk unsolicited misleading mail. I had never requested, please STOP do not contact me, do not call me, do not mail me, do not email me please. No response yet. 

Re : Unsolicited Communications ( UC ) - Florida Do Not Call Assigned Case # : XXXX Online Complaint # ( OCN ) : Date of UC : XX/XX/2021 Caller ID # : XXXX Reported Business Name : LOW VA RATES LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2021 my check # XXXX was cashed. it was written for {$1300.00} but the person cashing the check got only {$130.00}. This was an error of {$1100.00}. She left the bank without counting her money.

I called the bank to find out what the issue was when my payee called and complained to me about the amount she received. 
On XX/XX/2021 an adjustment appeared on my account debiting the additional {$1100.00} from the account.

Capital one will not put the money back in my account and they say they can not give me info as to where the additional money was sent.

I need a record as to where the money they debited has gone. I want that money put back into my account.

I have spent hour after hour on the phone with customer service supervisors to try to recover the debited money and they refuse to return the {$1100.00} to me.

Please help me get my money back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
I paid {$100.00} via bank transfer on XX/XX/2021 to purchase Dogecoin crypto on Binance.us. After the value grew, I sold {$100.00} worth and requested to withdraw that same {$100.00} back to my bank on XX/XX/2021 to cover my original investment. Binance said the transaction was processed sucessfully, but neither my bank nor my binance account contain my {$100.00}. I have contacted support numerous times over the last several months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I have several commenity bank store cards. Every month every single time I try to make a payment I receive a we are having technical difficulties. I will try repeatedly to make a payment and receive the same statement. I then try to lookup my account and I receive thie information is incorrect. I finally have to call and make a payment over the phone. It is every single time and Im beginning to think they do this so you are late paying your bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My father arranged the money transfer through a friend that he knows in United States. His friend deposit the amount of {$6800.00} in the forms of money order to my Chase Bank account on XX/XX/XXXX of 2020. Within a day, Chase notified me with a letter stating that my account at Chase will be closed unless we called the number that they provided and able to provide the information they need to keep the account and money. I called the number and they asked for the receipt of the seven money orders which amounted to {$6800.00}. Receipts I can not provided at the time, leads to my account closure and money confiscated after a few weeks. Chase still had my account blocked and the remaining of my funds, which was not withdraw at the time, including the {$6800.00} deposit to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is the XXXX time that I have contacted these two reporting agencies and I'm disappointed in the lack of integrity that these people take to hold our credit reports! FIX THIS ASAP! I've paid PERFECT payments since XX/XX/2018 and you need to report this on my credit!!! My score has dropped since you stopped reporting it! So put this back on now! I have PROOF that this account is {$5000.00} limit and I've made perfect payments since opened! So report it! TransUnion is reporting it so YOU NEED TO REPORT AS WELL! ACCOUNT # XXXX XXXX XXXX  {$5000.00} limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XX/XX/XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX  XXXX- XXXXUNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX  XXXX- XXXX- UNAUTHORIZED INQUIRY XXXX  XXXX  XXXX-UNUTHORIZED INQUIRY XXXX XXXX- XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX-XX/XX/XXXX-UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , Texas XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: TX

Complaint narrative:
Unless you can provide actual evidence of each inquiry concluded from a specific company with signature, location, and date, this would be considered unauthorized review for my credit as I have not given this company a reason that I would conclude to do business with them as I mentioned to them I did not want them to review my credit. 
Apparently, they did and that is illegal on their part. Investigate this with them and have each inquiry that was not justified or given permission by me to do so. 

XXXX XXXX XXXX UNAUTHORIZED CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XX/XX/1991

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This company is currently showing late. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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:
In XX/XX/2021 my bank account info was stolen/hacked. My bank notified me immediately, denied the attempts to use my card, and I changed all banking info immediately. I later discovered that a loan was fraudulently opened in my name. I disputed it with the companys fraud department, and they agreed that it was opened fraudulently and agreed to remove it and any negative info immediately from my credit reports. I have filed identity theft reports, I have all confirmations and records, and I notified the credit reporting agencies of the inaccuracy of the loan. TransUnion and XXXX  are inaccurately reporting even after being aware of the situation. Im unsure about XXXX.

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