vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Writing to delete information in my file. The items I need deleted are listed in my report. 
I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission identity theft affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
on XX/XX/2020 XXXX XXXX and transunion deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX, transunion or XXXX notify me within 5 days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.

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 2021-12-06 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
They have medical records on my consumer report which is a violation according to the fair credit reporting act. The company is medical data systems. inc.

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 2021-12-06 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: NJ

Complaint narrative:
My credit report showed a credit inquiry from the XXXX XXXX XXXX XXXX XXXX hard inquiry XX/XX/21. I did not apply for an XXXX so to me thats fraud on my report I also made a police report about this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2021, I requested that my account be closed because of a lost card. Since then, the bank has failed to provide me with statements for the account, online access to the account history, information on reward points associated with the account, and charges and payment made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am successor of interest on a loan with wells fargo. I suffered a Covid hardship and took advantage of the XXXX XXXX XXXX mortgage deferral and chose the option of having the deferred payments placed at the end of the loan 's maturity date as was my option from the very beginning. My hardship has ended and I began making my monthly payments since XX/XX/XXXX. I pay my own real estate taxes because as a senior I am allowed to pay only one half the amount. I am paid until XX/XX/XXXX. I pay my home insurance which is incredibly low because it is tied with my car insurance. I recently paid it for one year until XX/XX/XXXX. Wells is now giving me the run-a round and telling me as a successor of interest, I can not have the option I chose. They have asked for and I have submitted tons of documentation for months showing I can well afford to make the monthly payment. They never, ever stated that as a successor of interest I would be denied my option. They have sent me a letter stating I am in a loan modification program and they will escrow my taxes, etc. I have called and called them and get nowhere. They have lied to me and are not abiding by the FHFA, CFBP and even the White House rules. 
They spring this on me now? And they are defying the federal rules.

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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of XXXX and XXXX and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten 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 2021-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding LLC for XXXX XXXX balance was paid since XX/XX/2021. Still reporting on my credit report was suppose to be removed from all three credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I wired {$1000.00} on XX/XX/XXXX through Chase to my brother 's bank in XXXX. It's been 3-5 business days and more. My brother has not received it and already called his bank. I went to Chase and they could not help me. 

This is the second time it happened. Last time I got my money ( {$3000.00} ) refunded after 3 weeks without interest or the wire fee back. 

This time I want that {$1000.00} back and that {$5.00} wire fee. The bank information in XXXX is confirmed and correct. 

This is why people hate Chase and want to use crypto currencies. 

Please return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring 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 non-monetary relief
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. XXXX is the account Im referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. Bridgecrest is the account Im referring to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX my checking acct was charged {$6.00} and XXXX for XXXX XXXX  samples and capsules  with " free shipping '' by XXXX. I called up merchant at XXXX for XX/XX/XXXX unauthorized charges of {$99.00} and XXXX for a " subscription '' i never ordered nor received which they confirmed by XX/XX/XXXX emails to me with cancellation XXXX and XXXX saying " ... subscription status ... updated and any ongoing or all future charges have been cancelled... ''. I faxed, mailed back Citibank dispute forms from XXXX, emailed XXXX and forwarded merchants ' cancellation emails from XXXX and calling up merchant several times at XXXX. On XXXX Citibank charges me {$34.00} for overdraft from their inaction on my disputes and XXXX emails me that no refund comes from them as i've disputed unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
HYUNDAI CAPITAL AMERICA is reporting information incorrectly on my consumer report.

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank notified me that they were closing my account effective immediately. They closed my XXXX, XXXX, XXXX, and all my credit cards. 

They said they would mail me a check. They did not. Now they are holding onto all my funds in all my accounts because they said I had XXXX party deposits. I was not aware of anyone sending me funds that were not in my name. All I provided to my customers was my Routing number and Account Number. Now Chase is holding onto all my money in both accounts and they have not sent me any communication. The only way I know about this is because I was expecting checks and they neve came.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My girlfriend on XX/XX/2021 reached out to the website XXXX to adopt a cat. We were contacted quickly that the cat was available. We went through with the adoption and they told us the cat would be shipped to us through XXXX XXXX XXXX ( XXXX XXXX. They requested we use XXXX through my Wells Fargo checking account to send them {$1500.00} as a deposit for travel, even though the cat was supposed to cost only {$500.00}. But we completed it. The following day ( today ) we got another email requesting onwards of {$3000.00}, which confirmed any suspicions of it being a scam.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
DISCOVER FIN SVCS LLC is a charged off account being reported incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: NY

Complaint narrative:
on XX/XX/2020 XXXX  equifax and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX XXXX  or equifax notify me within 5  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2020 experian XXXX and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did experian, XXXX  or XXXX notify me within XXXX  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.

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 2021-12-06 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: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I set up a group reservation for XXXX rooms with XXXX XXXX XXXX ( XXXX ) XXXX Connecticut XXXX XXXX. Due to the pandemic the reservation could not be completed due the pandemic. When I contacted the hotel to receive my {$300.00} deposit back they informed me that I would had until XX/XX/XXXX to make a decision to cancel which in XX/XX/XXXX I canceled the reservation. I was told a refund would be processed after waiting some time I never received it. When I got back in touch all accounts had been transferred to a company called XXXX XXXX I corresponded with the contacts I had been give and they assured me I would get my refund. After repeated emails and phone calls to all parties involved I have not heard back because both have closed down with no word about my refund and no follow up information! XXXX XXXX XXXX chain ( XXXX  ) says they have no involvement in me getting my money back! I tried to file a dispute with the bank and have them investigate but that may not work because of the time I spent trying to work with XXXX XXXX and XXXX XXXX. This has been a very frustrating experience and I cant afford to just give away {$300.00}. If the tables were turned I would be in collections! 

I tried to dispute with Huntington Bank but in the time that I spent trying to work with XXXX XXXX and XXXX XXXX the bank informed me that there may be nothing they can do because of the time frame. So Im still waiting for information on the dispute! 

I have all the contracts, emails, and receipts associated with this transaction which I can forward to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX | XXXX XXXX, CA XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
on XX/XX/2021 I received a call from XXXX checking to see if I filled an application for a PayPal credit card. I told the rep no. and she said she would close the application out and report it as fraud and remove the inquiry. today is XX/XX/2021 and the inquiry is still listed on my XXXX credit report. I would like this removed as I did not authorize this company to run my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE BANK is reporting information incorrect on my credit consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: DE

Complaint narrative:
I was subject to identity theft fraud. This account is fraud. I have never had an account with XXXX XXXX XXXX XXXX. Please remove this collection item dated XX/XX/2021 from my XXXX Credit Report. Please remove this from my report within the timeframe of XXXX  days in accordance with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX, transunion, and XXXX  have neither reviewed nor investigated the information in the past disputes. I have disputed the bankruptcy on my file several times with supporting documents from XXXX and The US Bankruptcy court. I have sent each agency certified copies of these documents- ( XXXX ) I have also attached the supporting documents to this complaint. The misinformation on my credit file is hindering my financial growth and causing me 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 2021-12-06 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am a victim of identity theft and there are items on my account that do not belong to me.

Company response to consumer: Closed with explanation