vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I spoke to some one three days in the roll about my account from XXXX. They would not tell me about the account supposed been open by me. Yeah I did call back in 2019 an claim to send me a cards in the mail but I did not receive them at all. I did tell them my information was stolen when I lost my wallet. But they act like o was XXXX. Then the new account that was just open they closed it down some thing happen two years ago. But I told them they is wrong on there behalf. I have the never to tell me they could pull any one account an close it out. Like I told them this account or any others I have never had the chance to even but money in my cheack or saving in this new account an not even the last one before my wallet was lost. I can send you proof on what I have in my screenshot I took

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX. XX/XX/2022. 
Bank of America, XX/XX/2022. I called both companies to let them know.

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: IL

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 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  Late Payments from XXXX XXXX XXXX XXXX Late Payments from XXXX XXXX XXXX  Late Payments from 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 ) ( 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 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: IL

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 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX Bank Late PaymenXXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 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: IL

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 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXXXXXX XXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hospital 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 ) ( 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 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: 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: First Advantage LNS Inc.
State: TX

Complaint narrative:
I am a federally protected consumer, looking to resolve a matter in good faith. I am here with new evidence of this company not following regulatory obligations. As of XX/XX/2022 I am showing that National Credit Audit is still in violation of my rights by reporting derogatory, unfair, and inaccurate information. I am aware that National Credit Audit is a debt buyer, however, I have never gave them permission directly to furnish anything to my consumer report. I am also aware that history and transactions between a creditor and consumer are to be excluded from consumer reports and this company is furnishing transactional history between a creditor and I. This company is a XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN FINANCING CORPORATION
State: CA

Complaint narrative:
On or about XXXX XX/XX/2022 I had inquired about a new primary home VA loan with American Financing, XXXX XXXX. As our family situation had changed, we were looking into mortgage lender options based on rates and closing costs. Between XXXX XXXX I had spoken with XXXX XXXX XXXX Mortgage Consultant, that I would be going with another company because they could not pre-approve me at a reasonable amount, afterwards a sr. loan processor, XXXX XXXX XXXX XXXX and said they would like to still be considered and if I could send them an approved loan contract they would see what they could do to earn my business. On XXXX XX/XX/2022 I emailed an accepted home offer to the aforementioned American Finance employees as I am a man of my word and wanted to give equal opportunity to compete for my business. On XXXX XX/XX/2022 I received an email indicating an XXXX had been assigned by American Finance, I immediately responding back in the negative that I did not order nor do I accept such action on my behalf. I subsequently called XXXX XXXX who then assured me that no such order had been placed and that it was simply an automated mail system and it meant nothing so not to worry. On XXXX XX/XX/2022, after reviewing their offer for loan terms I had emailed XXXX XXXX and XXXX XXXX, letting them know I would go with another lender as the rates and closing costs we had discussed on the phone were much different then what was presented on paper. 

On or about XXXX XXXX I was notified by my lending consultant at my chosen lender that he could not order an appraisal because American Finance had ordered a XXXX Case number and appraisal and they could not go to underwriting until the case number was released. Between XXXX XX/XX/2022 and XXXX XX/XX/2022 several calls and emails have taken place to get the case released to no avail. As of XXXX XX/XX/2022 XXXX, I have been told that " upper management '' was working on it and they had no additional information. When I requested options for recourse or reporting complaints, I was told that they weren't sure who I could file a complaint with. 

I had never signed an " intent to proceed '' with American Financing, I had allowed them to compete along with XXXX other lenders and provided them the same documentation I did others for pre-approval. American Financing deceptively initiated a XXXX sided loan agreement that was reported to XXXX, tying up my benefit case number and preventing the lender I did selecting from completing the requested loan arrangement in a timely manner. Their actions jeopardized my families well-being, have caused stress and anguish, and bring discredit upon the industry where transparency and communication is key to financial and economic wellness.

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: AZ

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX  my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX I sent a letter to the XXXX 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 XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX  ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX 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: AZ

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 XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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 ) ( 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 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In response to XXXX correspondence in complaint # XXXX, Im requesting all the information XXXX XXXX XXXX is using as verification of the alleged debt in their previous correspondence. XXXX XXXX XXXX  is stating they have proof of the transaction details but failed to send me the original documentation that they are using for supporting evidence. As a consumer I have the right to dispute and validate the alleged debt. XXXX XXXX XXXX is negatively effecting my livelihood by reporting misleading false information on my consumer report. Theres no permissible purpose to furnish a report on me but XXXX is continuing to report the alleged debt which isnt validated. I responded to XXXX XXXX XXXX claim as of XXXX via certified mail ( see attached file ). Along with my response I attached an updated cease & desist, and sent it to the address XXXX XXXX XXXX insisted I send to ( XXXX XXXX XXXX XXXX XXXX XXXX SD, XXXX ). XXXX implied that in order to send me their supporting evidence, they need proper identification of me for privacy reasons. I responded to them stating I will be submitting my proof of identity along with my statement of identity through the CFPB ( see attached ). I XXXX XXXX XXXX the consumer, consents to receiving all correspondence Ive requested in my response to XXXX  ( see attached ), through postal mail and/or via CFPB. XXXX has 7 days upon receipt to send correspondence.

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: AZ

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 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase. XX/XX/2022. 
XXXX XXXX XXXX, XX/XX/2022. I called both companies to let them know.

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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a personal loan with Wells Fargo that I attempted to pay off on XX/XX/XXXX. I have had around a dozen conversations with customer service since, some lasting upwards of XXXX hours in an attempt to obtain answers and close this loan. At XXXX point I was told that I would be cut a check for around {$2600.00} as they had an over payment, to being told I still owe $ XXXX the next call. 

XXXX : XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was cancelled and reissued ( see entry below ) by the issuer, unbeknownst to me at the time I deposited this check ). 
XXXX. XX/XX/XXXX - Check deposited at a local branch in the amount of {$1800.00} ( This check was issued by the company to replace the first check ). I notified the teller that the check cashed on XX/XX/XXXX was to be voided and this one would replace it. 
XXXX. XX/XX/XXXX - I called in to make a payment via my Credit Union checking account XXXX to close the loan. Payment was obtained in the amount of {$26000.00} to XXXX the account. 
XXXX. Multiple calls made over the following weeks where I spent hours reexplaining the situation and asking for clarification. NO XXXX had answers or could give me a good accounting of what was happening with the account and all the payment reversals. 
XXXX. XX/XX/XXXX - I called and spent XXXX hours on the phone with customer support, talked with XXXX different people and was told that the XX/XX/XXXX check in the amount of {$1800.00} had not been applied to my account ( no explanation as to how this happened ) and I owed approximately $ XXXX to close the account. I was told that I needed to contact the issuer of the check to have it reissued. 

Issues : XXXX. The check for {$1800.00} that was deposited on XX/XX/XXXX according to the issuer has been fully deposited ( See attachment ). Wells Fargo wrongly reversed and did not apply this check to my account which then started a chain reaction of issues and extra interest accrued due to not actually closing the account out as it should have been. Wells Fargo has control of this {$1800.00}, it was NOT returned to the issuers account and it was wrongly reversed.

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