vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and XXXX credit reports. 

Both accounts show a hard inquiry from Capitol One on XX/XX/2022 located at XXXX Capitol One, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with Capital One. Capital One was unable to verify any credit application using my social security number or cell phone number. Capital One refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to Capital One in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from Capital One. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from Capital One, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

XXXX allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with Capital One or obtain a fraud report. 

I also received a call purportedly from Capital One 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from Capital One, as this number is not referenced on any Capital One site.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
I received a report through both XXXX  XXXX  and XXXX XXXX XXXX that a new hard inquiry had been reported on both my XXXX and Equifax credit reports. 

Both accounts show a hard inquiry from XXXX XXXX on XX/XX/2022 located at XXXX XXXX XXXX, XXXX, VA XXXX, Phone Number ( XXXX ) XXXX. 

I did not submit an application for credit with XXXX XXXX. XXXX XXXX was unable to verify any credit application using my social security number or cell phone number. XXXX XXXX refused to attempt to find an application using other personal data ( name, birth date, address ) that might have been compromised. 

My XXXX report reflects that : Within the past 90 days, companies that requested your report provided the following information. 

Name XXXX XXXX Requested On XX/XX/2022 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX This is presumably the information that was provided to XXXX  XXXX in connection with the credit inquiry. However, the address does not match any of my record addresses, which should have alerted XXXX to the likely fraudulent nature of the inquiry. XXXX apparently nonetheless responded to the inquiry from XXXX XXXX. XXXX has refused to delete the inquiry from my account without a Letter of Deletion from XXXX XXXX, which has disclaimed any knowledge of the inquiry and refuses to further investigate or a police report. 

Equifax allow me to submit an online dispute regarding the inquiry but summarily dismissed the dispute with a statement that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' They similarly indicated that my only options were to pursue it with XXXX XXXX or obtain a fraud report. 

I also received a call purportedly from XXXX XXXX 's fraud department directing me to call in reference to a recent application ( XXXX ). This does not appear to be a legitimate call from XXXX XXXX, as this number is not referenced on any XXXX XXXX site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: IN

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was XXXX, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX branch, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX Waiters, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and Toniette XXXX XXXX email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.

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 2022-03-16 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: IN

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: IN

Complaint narrative:
On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was homeless, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX XXXX, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX XXXX and that of the XXXX representative, XXXX XXXX, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and XXXX  XXXX 's email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank has refused to send me the complete refund for closed account. They used my Federal pay to pay for XXXX fraud. I have requested my money back too many times. Early on I requested my pay, and they refused to send that. Citibank has even taken out fees for fraudulent checks that I did not write. I submitted a dispute, they didn't investigate and denied. I have done a second dispute as of XXXX XX/XX/2022 requested all of my money back now. My pay is still tied up in this scam and Citibank has no right to take my VA pay for this mess. 

Customers pay from the XXXX Treasury is protected from this and the bank knows this. They have already violated the Electronic Transfer Funds Act on numerous occasions. This bank should not have used my Federal pay to fund fraud. Soon this institution will be investigated for their own fraudulent practice. 

They keep pretending they dont recognize me as a customer. Ok Citibank, keep up your shenanigans.

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 2022-03-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of Equifax, XXXX, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I made ( XXXX  ) Payments to Genesis FS. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XX/XX/XXXX for {$150.00}. This is reflected as paid on XX/XX/XXXX in Milestone Payment activity. 

XXXX $ XXXX.ThisisnotreflectedonMilestonePaymentactivity. 

Becausethiswasnotreflectedin Milestone, XXXX XXXX  reversed the payment and refunded me. 

Milestone then reversed my XX/XX/XXXX payment. 

For two months, I have called a half dozen times. Each call takes 45-60 minutes. I have sent XXXX faxes with all the documentation. They do nothing but give me the run around. Every time I call they say that the haven't received the fax. They don't have a phone number or email or online chat/text with anyone in so called " billing department ''. In the meantime I'm " over my credit limit '' on the card which has a negative impact on my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC
State: IL

Complaint narrative:
I got an alleged loan through Lima One Capital. The total loan was for {$100000.00}. They only gave me {$12000.00}. They kept the rest. They are trying to foreclose on my home. I need help from the CFPB to protect myself from Lima One Capital because I've been a victim of predatory lending. I paid them the twelve thousand they supposedly loaned me, and they already got the credits on the private side

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have been trying to work with Huntington Bank regarding mortgage assistance and my XXXX XXXX XXXX. I have submitted a few times for loan modification one of my last times was on XX/XX/XXXX where I submitted all essential pieces of information for modification review as they requested. On XX/XX/XXXX I received a letter from Huntington that my file was declined for assistance but they never specified the reasons why I reached out to XXXX XXXX at XXXX 3 times per week and at least twice a day to get more details as tot he reason I did not qualify and even asked for more documents showing me how I failed the XXXX, XXXX  evaluations but to this day I have not received a call back, in the letter is gave me the option to appeal the denial decision by XX/XX/XXXX which I did and during my time of appeal Huntington went ahead and set a foreclosure sale date on my home. Huntington National Bank contracts Homesavers Department to underwrite their modifications for them at phone number XXXX and after numerous attempts to reach this department as well to gather more information they refer me to XXXX XXXX which he never returns any calls. I have request for a supervisor to call me back but again have not heard from anyone. 
I have expressed my financial hardship due to my health and XXXX and have shown proof of my financial ability to be able to continue to make payments on my mortgage I feel Huntington and Home Savers Department  are in non-compliance with RESPA Regulation X early intervention and loss mitigation requirements, found at 12 C.F.R. 1024.39 and 1024.41 and CFPB Dual tracking under loss mitigation guidelines and predatory lending practices with lender trying to foreclose on my home rather than to work with me for mortgage help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I tried twice in the last couple weeks to open an online savings account with Comenity XXXX-Comenity XXXX is a brand of Comenity Capital Bank , Member FDIC. All deposit products are provided by Comenity Capital Bank, a Utah state bank. I have spoken with numerous customer service reps since trying to open the account and no one can give me a reason for the denial. I have no credit issues and according to the law they have to give me a reason if they're going to reject my request to open a savings account. Because of an identity theft issue about seven or eight years ago, I had my credit frozen at the three credit reporting agencies and left it that way but I've opened numerous accounts since then while my credit has remained frozen and have never run into this problem. my FICO score is somewhere around XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NY

Complaint narrative:
Please see attached documents. 

Transunion received my letter on XX/XX/22. I followed up with a phone call to Transunion on XX/XX/22.

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 2022-03-16 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I've been trying to get into my online banking over a month so I'm not about to see the details about all these unauthorized transactions that the bank say I'm responsible for as well as a lot of the transactions they say they are dated back too far and can not be investigated I've been having trouble with this account since last year I've been with SunTrust now Truist

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, XXXX, and Transunion we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank 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 non-monetary relief
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, my credit report is displaying unverifiable and inaccurate information I am going through severe anxiety trying to get the issue resolved as I wait for a response. I am sure with your help and the integrity of XXXX, Experian, and XXXX we can get this handled quickly. But I mailed letter to them a month ago and I haven't received a response and they haven't yet complied with my request. I'm not even sure if they opened an investigation. Please help. Thank 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