vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXXXXXX XXXXXXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX  XXXX, XX/XX/XXXX XXXX  XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX  POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: OH

Complaint narrative:
I have been notified that I have a delinquent charge from a company called XXXX XXXX XXXX for {$850.00}. I was notified on XXXX by email from a collection agency, Southwest Recovery Services, whom presumably bought the debt and is trying to collect. On the same date as this notification email, the open debt collection was reported to the XXXX credit bureaus. This has negatively affected my credit standing. 
I have no record of this charge, or invoice so I immediately tried to make contact with both parties involved to find out what the charge was for. I spoke to someone at Southwest Recovery Services that could not give that information, only the phone number of the original company, XXXX XXXX XXXX. I got a name from the person I was speaking to, only to later try to contact her and find that no such person works there. I contacted XXXX XXXX XXXX and after asking for the information, was hung up on. 
This is all very suspicious, since I have never done business with XXXX XXXX XXXX. I have no record of the debt and knew nothing about it for the years it was supposedly owed. I was only looking for a confirmation of the charges in an invoice, or some kind of paperwork. I believe that I am owed proof that I woe the debt.

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 2023-08-02 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault.

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 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX of XXXX, I noticed that I had received a Bank of America Statement that notified me that I had a negative balance on a Checking Account that I had not opened nor had I consented to open with Bank of America. I began tracing its origins and found an email from XX/XX/2023, at XXXX XXXX  that an " Online Application is in Progress '' and immediately after at XXXX XXXX  another email that " Your application was approved. '' On XX/XX/2023, I went to a Bank of America physical branch ( in person ) and asked an employee for help getting through to a customer service agent to help me learn more about this new account that I did not open. After talking to 2 different agents, in addition to the bank employee, I was finally redirected to the Fraud department. There was a case opened and they were supposed to close it without it affecting my credit score. As of now, the account is still open and I still receive paper statements over the mail. I have kept a close eye on my credit and have requested multiple credit reports throughout these months and nothing else has been opened. My conclusion is that Bank of America opened this account without my consent and has kept it open accumulating fees even after reporting it as fraud.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Alorica Inc.
State: MD

Complaint narrative:
I have my credit cards with SST for years in good standing, suddenly they told me my account were closed without explanation. They changed everything from credit to no credit, from account numbers, how to pay bills. Paying online is subject to be charged fees from {$5.00} to whatever they want. I feel these practices are not fair to the customers. They even changed website to get online, which I got warning from security indicating the unsafe location of its website. I hope something can be done to solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Credova Holdings Inc
State: NV

Complaint narrative:
I applied through Credova for a line of credit to purchase some firearms. I was approved with a limit of {$1000.00} on an open line. I used XXXX to order ( 3 ) firearms and one box of ammo for one of the firearms. I ordered a " XXXX XXXX XXXX XXXX XXXX XXXX - 20 '' Barrel, 7 rounds, Synthetic with a description stating the firearm was a " Semi-Auto action ''. This means that its not " pump-action ''. For {$250.00} it should be that price. You can get the Pump-Actions for $ XXXX {$150.00} range. We I went to pickup my order they opened the box to find a Pump-Action shotgun from XXXX in there. I have contacted XXXX SEVERAL times over the course of 5 days and received one reply initially asking for more info, ( which i provided ) and no reply. I attempted to contact again several times, no response. 

I then contacted Credova via chat last weekend advising of all of the above and a rep was very rude and non-helpful. I revoked the autopay out of my account in writing during the chat until this issue is resolved and the XXXX is taken off of my order amount since I never took ownership, ( It's still sitting at XXXX ) . 

XXXX has refused to contact me nor has Credova called me even after a rep told me a supervisor would reach out via phone to me on XX/XX/2023. That never happened. This complaint is due to Credova being the finance company and stating on their website that if a consumer disputes something and has tried to reach out to the merchant ( XXXX ) that they would reach out. I advised the rep via chat I tried and to no avail, the rep refused to reach out in violation of their own company guidelines posted on their website. Now we have Credova falsely advertising their guarantees on their website to actually refuse them. I did not receive what I ordered from XXXX and I want to speak with Credova about it. I have spent hours and missed work to deal with this issue and am seeking compensation for my time and effort to resolve this conflict.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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:
According to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract - any and all accounts you post on a credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that Im listing below XXXX  XXXX XXXX account : XXXX {$1800.00} comments : Not mine XXXX  XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX XXXX account : XXXX {$0.00} comments : Not mine XXXX XXXX XXXXXXXX XXXX {$0.00} comments : Not mine XXXX XXXX account : XXXX {$330.00} comments : Not mine XXXX XXXX account : XXXX {$0.00} comments : Not mine

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 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
I have an auto pay turned on but the company keeps adding late fees to my account. The company is freedom mortgage. I didn't even select to do business with them. I had a loan with a different company and it was forwarded to this company.

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 2023-08-01 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: MN

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
Account Number : XXXX Delete this account. 

10.The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 XXXX, XXXX ACCT # XXXX has violated my rights.

15 U.S.C. 1681 Section 602A States I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-08-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I made an extra payment on my wells Fargo store account, when doing so it lowered my automatic payment by that amount ( I had a {$600.00} automatic payment and made an additional payment of XXXX to keep my promotional financing, but it lowered my XXXX amount ). I ended up being charged {$230.00} in interest charges and called to complain. After being on the phone for 2 hours they returned the interest and told me what to pay to fix it. I made the payment on XX/XX/XXXX and thought all was fixed. My next {$600.00} automatic payment was to come out on XX/XX/XXXX but was reduced because of the payment I was told to make on XX/XX/XXXX. So again this month I received interest charges. I called and again was on the phone for an hour. I was directed to page 2 of my bill where it said $ XXXX {$600.00} will be deducted from your account and credited as your automatic payment on XX/XX/XXXX. The automatic payment amount will be reduced by all payments posted in or before this date. I was told by the same individual that my XX/XX/XXXX payment was in the XXXX billing cycle and you could only make extra payments between the XXXX and the XXXX, however I received my bill today - XX/XX/XXXX - 6 days after that opening. The Wells Fargo team was not kind or helpful and Im stuck in a cycle of trying to stay ahead of the special financing when I was just trying to do the right thing and pay extra on my bill.

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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I placed a complaint previously and the mortgage company did not do anything to correct it. The mortgage company basically regurgitated the same information I provided without acknowledging we have already paid the FULL YEAR of property taxes. I paid XXXX XXXX a full amount of {$3000.00} in XX/XX/2023. Planet Home Lending also attempted to make this payment, but XXXX XXXX refunded that payment to Planet Home Lending. 

I am enclosing screenshots that show we do not appear to have been in any 'shortage ' as Planet Home Lending would like to say. We were told our payment for XXXX would be {$1000.00} due to a shortage of {$1000.00}, yet we were sent a check from Planet Home Lending ( PHL ) for an 'overage ' of {$330.00}. If you subtract our regular payment of {$670.00} from the XXXX payment of {$1000.00}, that leaves {$330.00}. If you subtract the payment we received from PHL as 'overage ' of {$330.00}, that leaves {$2.00}. PHL 's math makes no sense- especially since we are exempt from property taxes as my husband will never NOT be a XXXX veteran. 

I am enclosing screenshots of everything. I want the FULL REFUND OWED TO US. 

Further, I will break it down to even more simpler terms that I hope everyone can understand. 

The property tax bill was {$3000.00}. Person A ( me ) paid throughout the year to my mortgage company to cover this bill. Person B ( PHL ) has my payments sitting in the account. Person A went to the tax building in XXXX and paid a full amount of {$3000.00} for the year. Person B also tried to send a payment to the tax building that was REFUNDED TO THEM as it was already paid by person A out of pocket. Person A has literally paid this bill TWICE which means Person B owes a refund to Person A in the amount of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: IL

Complaint narrative:
These fraudulent accounts do not belong to me XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-02 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: IL

Complaint narrative:
These fraudulent accounts do not belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XX/XX/16 has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Im reaching out because I was a victim of fraud. I was naive enough to think I was recently accepted to get a loan deposited to my bank account at Bank of America. It started on XX/XX/XXXX the person posing as a XXXX XXXX XXXX rep got my information ( which I shouldnt have done ) and started making claims and disputes with my transactions in my account, when the bank initially gave me the credit on the disputes they made. They then told me they was sending me money for me to moneygram them to a credit bureau. I shouldve known better and they made three transactions like this for {$900.00}, {$820.00}, {$820.00}. And the bank end up closing my account and after they saw my bank statement and I was proving that it was not me making the disputes and claims and transactions they still couldnt find a solution for me besides to file a police report. And when I went to do that the local police department told me they couldnt really do anything. I dont know what to do

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 2023-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I think that debt is not mine. The information provide is not enough to know the debt

Company response to consumer: Closed with explanation