vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 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: Credit Technologies, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I noticed a hard inquiry on my XXXX credit report from CREDIT TECHNOLOGIES IN. I did not authorized my credit report to be pulled by this company. I am requesting that its removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, Transunion, and XXXX. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.

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 2022-02-10 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: AL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, XXXX, and Equifax. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
attached is the letter from XXXX XXXX XXXX XXXX stating from manager that she would delete the account XXXX XXXX XXXX from my XXXX Experian and XXXX ... .... reports after i have made and have made my payment of XXXX $ that we settled for and it was paid on XX/XX/2022. pls remove from all XXXX, XXXX and Experian reports. thank u.

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 2022-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
When my loan for the below-mentioned property got transferred from XXXX financial to Fay Servicing on XX/XX/XXXX. The Fay Servicing showed that XX/XX/XXXX payment was duo which is incorrect. I continued to make one payment each month as shown in the attachment. 

Property address : XXXX XXXX XXXX XXXX, XXXX TX XXXX Fay Servicing has created unnecessary confusion and trouble and wrong reports on my credit due to their inability to process the loan transfer on time with accuracy. 
At the writing this complaint, then I made one extra payment for XX/XX/XXXX because I need a clean payoff quote from them. 

It has been extremely frustrating to work with Fay Servicing XXXX. The government should ban them immediately. They are extremely irresponsible even after numerous calls and emails with proof. 

Enclosures : Full Payment history from the previous servicer, XXXX XXXX A bank account statement showing the XXXX Payment was debited by XXXX Full Payment history from the current servicer, Fay Servicing XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: LA

Complaint narrative:
I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: NJ

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Been using PayPal for some time now and my account got limited permanently for no reason and my funds are now on hold for 180 days according to PayPal I tried to contact them but all I am getting is an automatic response I deal only with trusted sellers and I already updated my account with all legal documents And they are not even telling me the reason why I got suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MO

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: MO

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XXXX XXXX I paid {$760.00} on My XXXX Acct through Zelle ( their partner of choice on the XXXX online banking app ) that sends monies from a customers acct to a email address. The recipient ( XXXX XXXX ) that runs a social media promotion and sponsorship company ( XXXX ) received the money and turned out to be a fraud and scam me of the entire amount. 
What boggles my mind is that the biggest bank in the USA and their partner Zelle, have done absolutely nothing to try to recover my monies. To me fraud and scams sent by a banking app must have some sort of protection for customers, with federal backing to help in instances above and beyond their scope to try to recover a victims money. 
Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a follow-up of request - XXXX The Citibank team did not answer the request properly, as I complied with the requirements : Open a Regular Checking account in the Citi Gold account package between XX/XX/2021 and XX/XX/2021. 
Within 60 days after account opening, complete one or more qualifying bill payments for two consecutive calendar months and spend the {$1000.00} required minimum amount on purchases using your Citibank Debit Card. 
Only targeted Primary Cardholder is eligible to receive this offer and must be enrolled to receive incentive. 

I went online to get a statement of my transactions to show them I was right. 

Unfortunately, I don't have access to that information anymore. 

My request is that CFPB asks them to provide my history with them, and you will see that I complied 100 % with their terms. 

Therefore, please do not close this matter until we see the data. 

Thank you, 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 2022-02-10 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: MO

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2022-02-10 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: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE XXXX AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE XXXX WEBSITE.

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 2022-02-10 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVE REASON TO BELIEVE THIS HAPPENED WHEN I WAS IN THE HOSPITAL AWHILE AGO. THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT REPORT THAT ARE FROM THIS INCIDENT. PLEASE HELP ME WITH GETTING THESE ITEMS REMOVED. I'VE FOLLOWED EVERYTHING THAT I WAS TOLD TO DO FROM ON THE FTC WEBSITE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 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 I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reached out to XXXX and XXXX today XX/XX/XXXX via phone call. Equifax had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. I want all invalid accounts and incorrect account information to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received correspondence from Wells Fargo on XX/XX/XXXX with the subject of a rate check inquiry for a Wells Fargo personal loan. I was provided a rate check ID number. I have never had nor pursued any business with Wells Fargo. There was no telephone number on letter to coresponde. I XXXX telephone number for business based on address I'm XXXX, AZ. Spoke to multiple individuals and advised that I was somehow a victim of identity theft. I was told it would be escalated to whomever. On XX/XX/XXXX, I received a letter from Wells Fargo, now with a XXXX OR address referencing an account number ending in XXXX. I called the number provided XXXX and spoke to a male rep who advised he needed my social security number to assist me. I asked to speak to manager. I was told one was not available but he could transfer me to the executive office. There a foreign sounding man by the name of XXXX answered but refused to give his last name. I asked for mailing address to coorespond and was refused stating they're are located in the XXXX XXXX. I terminal call.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a personal credit card with Capital One. 
These past few months, I've been paying the " New Balance '' due, in full, in two installments within a days or weeks of each other - all before the " Payment Due Date ''. 
I pay it like this for personal reasons- based on my personal budgeting system. 
It seems that after my 1st payment, Capital One starts obligating me interest charged on the rest of the money due - even though I pay the full balance before the due date! 
This does not seem to be a fair business practice. 
I called Capital One to find out why I was charged interest, and the representative explained to me this policy that if the cardholder pays the balance in more than one payment, for 2 months, the cardholder will be accountable for the interest accrued on the remaining balance. 
The representative fully understood how unfair this was to me. 
I asked for a refund of the interest charged the past XXXX statements, and my request was denied. 
I looked at the information provided on the statement, and I don't see why my payments are not considered " pay..new balance in full by the due date! 

The following is a copy of some of the information provided on the statement regarding this : How can I Avoid Paying Interest Charges? If you pay your New Balance in full by the due date each month, we will not charge interest on new transactions that post to the purchase balance. If you have been paying in full without Interest Charges, but fail to pay your next New Balance in full, we will charge interest on the unpaid balance. Interest Charges on Cash Advances and Special Transfers start on the transaction date. Promotional offers may allow you to pay less than the total New Balance and avoid paying interest on new transactions that post to your purchase balance. See the front of your statement for additional information. 
How is the Interest Charge Determined? Interest Charges accrue from the date of the transaction, date the transaction is processed or the first day of the Billing Cycle. Interest accrues daily on every unpaid amount until it is paid in full. Interest accrued during a Billing Cycle posts to your account at the end of the Billing cycle and appears on your next statement. You may owe Interest Charges even if you pay the entire New Balance one month, but did not do so the prior month. Once you start accruing Interest Charges, you generally must pay your New Balance in full two consecutive Billing Cycles before Interest Charges stop being posted to your Statement. Interest Charges are added to the corresponding segment of your account.

Company response to consumer: Closed with monetary relief