vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Thursday, XX/XX/2021, I received an email stating " billing statement '' invoice. I opened the message it stated it was from XXXX XXXX XXXX XXXX, but the email Billing Department XXXX. Then it has a telephone number Toll-Free XXXX XXXX XXXX XXXX XXXX. I have XXXX anti virus and I paid {$39.00}. This message was for XXXX XXXX within automatic renewal of {$290.00} to be taken out of my account. I did not authorize the payment nor do I have XXXX XXXX. The numbers were bogus. The people had access to my bank account on file at XXXX and took control of my computer and blank me out they took money from checking {$25.00} and {$29.00} from savings. I believe it was test run. I have two checking account the primary account had {$260.00}, but was not touched yet. The took all the money from second checking and all the money from savings. I called them with the number above and they started yelling at me. I finally contact someone at XXXX the legitimate company and told them what happened they said it was a scam. I am requesting payment of {$39.00}. I looked at my account before it was locked down and they took a subscription to XXXX for {$19.00} to be an automatic occurrence each month. My bank rep said they are reimbursing me for all monies taken, but I had to open new accounts, with a block on everything. These are ripping off all XXXX XXXX XXXX XXXX consumers. They very active, if you were to call the numbers above they would answer. They stated they were trying to reimburse me, but I did not pay for the service so why were they trying to reimburse and stated they needed to get into my bank account they could send refund through XXXX XXXX. 
to

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 2021-04-25 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated XXXX ( 3 ) accounts inaccurate information please remove XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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:
Equifax XXXX account XXXX is being reporting inaccurately by Equifax and entire credit history need to be updated to show paid as agreed on time. Equifax didnt correct this report to report the accurate late payment history and now this is false reporting by Equifax. If Equifax cant furnish documentation directly from Freedomplus proving I was 30 days late consistently on the dates reported the entire late payment history needs to be updated to show paid on time never late because of false reporting by Equifax. False reporting of this account by Equifax is a violation of the FCRA requirements. 

Equifax didnt report the notice of dispute with this account after my first dispute this is now a violation of the Fair Credit Reporting Act requirements by Equifax for not reporting the notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2021-04-25 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: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: FL

Complaint narrative:
Received a letter from a collection company stating I owe the a sum of {$2500.00}. According to the letter it is from an XXXX account I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: Northstar Location Services, LLC
State: NV

Complaint narrative:
The last time I used my XXXX XXXX ( # XXXX ) for the amount of {$5000.00} was to pay for my son 's XXXX XXXX XXXX on XX/XX/XXXX which was paid in full over time. Since then I have not made any purchases over {$500.00}. 

I was surprised to see up to {$10000.00} used from my account which had a {$12000.00} credit limit on my card on around XX/XX/XXXX. I called XXXX and told them about the fraud. They said they will check and let me know. I made so many calls and they keep saying they will check into it No one from XXXX Bank called me to verify the large and suspicious transactions or ask for approval. They could see that the transactions are not my typical purchase activity. 

Within the same week the agent said they can't stop the funds being withdrawn. XXXX 's cancelled my card and issued a new card ( # XXXX ). I assumed that the issue was settled. My new card 's credit was reduced. When I spoke to a account manager, she said I am liable for the fraud and have to pay the whole amount. I did not receive any correspondence or calls from XXXX 's since this incident. They refused to communicate with me or my calls to them XXXX has cancelled/closed my credit account in XXXX, XXXX. 

I just received a letter from the collection agency for the amount due. XXXX waited 13 months for the statue of Limitations to expire before sending this letter and a week to respond. They have destroyed my credit rating. They also added interest of {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hi CFPB, I had closed my American Express Serve account on approximately XX/XX/2021, transferring out the remaining {$500.00} to my outside checking account. However, American Express Serve had taken back the {$500.00} from my account with no explanation and have not been able to locate or identify where my {$500.00} is. Their customer service team has been very dismissive of my request despite repeated calls and attempts to locate my money. I would like to file this complaint in order to have American Express Serve return my money. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

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 2021-04-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
There was a fraudulent account opened my name back in XXXX at Home Depot ( Citibank ) I wasn't aware of the account until XXXX. I was informed by Citibank the person who opened the account, dates opened, statements, their email and phone no. I submitted all this information to the XXXX Police Dept. ( case no. XXXX ). Citibank has failed to corporate with the XXXX Police Dept. by submitting the documentation and information of the person who opened the account. Citibank has turned this account over to many credit agencies which is damaging my credit. I have submitted my signature and information provided to the police dept. Citibank claims they have done an investigation and finds this is my account which is false. What investigation? I never been contacted by their XXXX department. They have transactions where someone was making payments per XX/XX/XXXX statement, which they can track. I keep getting letters that I owe them {$4100.00}. This is a fraudulent account and I want it removed from my credit report. Citibank has this person information and has failed to provide the information requested to resolve this matter.

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 2021-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCSPLUS INCORPORATED
State: CA

Complaint narrative:
I have already received a similar notification from your company with the same amount with a different case number. The previous case number XXXX was closed after I submitted my first complaint on XX/XX/XXXX through CFPB to both NCSPLUS INCORPORATED and A XXXX XXXX. The new claim number is XXXX with the same amount. Please stop harassing me with these notifications. Here is what I already submitted : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- sent on XX/XX/XXXX YOUR COMPLAINT I received the invoice for the amount of {$1700.00} dated XX/XX/XXXX after 2 years of no communication from A XXXX XXXX XXXX. We had an agreement that I will be paying a monthly fee of {$85.00} which they decided not to charge. They have my working credit card information on file that I provided and they previously charged on XX/XX/XXXX and they could have charged the monthly amount we agreed on. They have not contacted me for about 2 years and I received an invoice for {$1700.00} on XX/XX/XXXX threatening to send me to collections. I will like to receive a verification of the debt A XXXX XXXX XXXX is claiming that I owe so please send me a detailed account statement. Also, please send me an explanation on why my card wasnt charged {$85.00} monthly as originally agreed upon. The credit card that was last charged is a working credit card. If A XXXX XXXX XXXX lost my credit card information, I will like to know details on why and how my credit card information was lost. I sent an email to A XXXX XXXX XXXX requesting to get an account statement to verify the debt on XX/XX/XXXX with no response. I sent a certified mail requesting to get an account statement to verify the debt on XX/XX/XXXX and it was received on XX/XX/XXXX with a signature verification but I did not get a response. I filed a claim with CFPB on XX/XX/XXXX with no response. Then I received a letter from NCS incorporated on XX/XX/XXXX to collect a debt that I have been trying to verify. I need a clear explanation why A XXXX XXXX XXXX is ignoring my request to verify the debt, why they did not continue to charge the monthly {$85.00} we agreed upon, and what happened to the working credit card information that was last charged on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25 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: AZ

Complaint narrative:
I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: AZ

Complaint narrative:
I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX Creditor : XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX 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 2021-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX, George Mason Mortgage ( " GMM '' ) and I entered a Rehabilitation Loan Agreement ( " Agreement '' ). As a result of entering Agreement, GMM became responsible for processing renovation loan activities and payments associated with my FHA Section 203 ( k ) renovation loan. 

On XX/XX/XXXX, GMM stated that I needed to pay a contractor {$11000.00} for materials and labor related to the renovation project. GMM stated they would not service the FHA Section 203 ( k ) renovation loan until I paid the contractor {$11000.00}. I informed GMM that the contractor was not owed {$11000.00} because contractor did not perform on those items. From XX/XX/XXXX to present, I provided GMM with contemporaneous documentation that proved the contractor did not pay for those items and, therefore, was not entitled to payment for those items, I also provided documentation that showed the contractor owed me {$7100.00} because GMM paid the contractor for materials that were purchased by me. 

From XX/XX/XXXX to present, GMM has ignored many of my communications to them asking for clarification, acted as an advocate for the contractor 's interests, spread disinformation about the FHA 203 ( k ) options available to me, and failed to uphold its responsibilities outlined in the Agreement and FHA Single Family Housing Policy Handbook. 

GMM still refuses to service the FHA 203 ( k ) loan until I pay the contractor {$11000.00} for labor and materials it did not perform.

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 2021-04-25 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: MI

Complaint narrative:
am writing to delete the following inaccurate, contradictory information in my file. The items I deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: FL

Complaint narrative:
I received a copy of my credit and noticed fraudulent accounts. this is stopping me from obtaining 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 non-monetary relief
Consumer complaint received 2021-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I have been waiting for Quicken Loans to redo a quitclaim deed XXXXXXXX XXXX because they put home ownership into a non-residing co-applicants name into deed/title. 
In the closing docs XXXX included the incorrect deed along with the correct deed as they refer to as Deed XXXX and Deed XXXX. XX/XX/2021, I prefer XXXX real deed only. They told me to leave it in packet and ignore erroneous deed along with numerous, dozens, of other extraneous documents that never make it into a closing packet. XXXX will not refine the packet and upload to me with correct closing packet AND they dont care if Closing takes place as scheduled. 
Underwriting finished review of all tasks completed on time for applicants. The closing disclosure is XXXX pages but the closing packet is XXXX pages. 

XXXX XXXXXXXX is to be closing date. I do believe XXXX is fining me for days past the XXXX  day rate lock and an extension period. Obviously, XXXX is not concerned about completion of this refi loan. 
I am! 

I was uploaded XXXX pages for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25 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: NV

Complaint narrative:
This agency is in violation of XXXX U.S.C. XXXX. 

They were to notify me of this in writing XXXX days prior, I was not. As I am the original creditor, only I can validate this debt. I do not validate this debt. 

Account # in question : XXXX I have tracked the letter I sent to them as received via certified mail receipts, and no action has been taken to resolve this matter

Company response to consumer: Closed with explanation