vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: AR

Complaint narrative:
I received notification through the credit bureaus that there were hard inquires. I reviewed the info and someone else had applied for several credit cards in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I received notification through the credit bureaus that there were hard inquires. I reviewed the info and someone else had applied for several credit cards in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/24 I received a notice from BMO that my password had been changed. I took no such action and immediately call The BMO customer service line and Reached XXXX XXXX I informed her of the situation and she stated that she had to verify my Idenity. She proceed to send me a text and asked me to repeat the number on the text to her. The text clearly stated " We never call to ask for this code '' I informed XXXX of this and she stated that with out the code, she could not verify my identity and proceeded to lock me out of my account and hung up on me. After XXXX, I reached a person in their customer resolution department who would only provide her oiperator number XXXX. I asked for XXXX 's supervisor and XXXX stated she did not know who XXXX was. XXXX insisted that she had to send me a text and I have to read that number to her. I informed her that the text said " We never call to ask for this code '' she just kept insisting that she must verify my identity that way. I asked for her supervisor and she stated " that she can not request a supervisor until she verifies my Identity through text '' I asked agian for a supervisor and she stated that '' upper management does not talk to bank customers '' I then informed her I would walk into a brannch and requsted a call back from uppermanagement. I walk into BMO 's XXXX XXXX branch and was treaded as if I were guilty berfore I could prove myself innocent. I spoike with XXXX XXXX and asked him if I could speak with upper management. All he claimed he could do is verity my Identity and unlock my account.. I asked him to open a case and for a call back from upper management..

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 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
XX/XX/XXXX i deposit XXXX totaling my account to be XXXX dollars. on XX/XX/XXXX My purse was stolen from me, i file a police complaint, went to the bank to try to close my account but since i didnt have any ID due to my bag being stolen i didn't have any. I told chase bank that my account could be in danger but they denied helping me multiple times inside the branch. I later was giving a number to reach someone to help me with my account by phone which was XX/XX/XXXX, on that day i was told that my money from my account was removed, i than asked for a freeze to be put on my account and was told by chase bank that they will help found out what happen and who's responsible. I later received an affidavit, that was completed and sent back. i also sent my police report as requested multiple times an each time chase back office claimed they never received it which was sent by chase branch 3 times and i also sent it thru staples. i was told that my claim would be denied with or without the police report, and than was told that it was denied due to not having a police report from a manager named XXXX that gave me a call back which i requested.My account was robbed because chase bank denied to help me and the police in any way. i still have yet to receive a denied letter stating why i was denied my money back that they gave to a thief which i was told by chase bank claims department that one was made the beginning of XX/XX/XXXX. the bank did not ask for no ID from this person im not sure if it was male or female that chase bank gave my money too. i was told that the pin was verified and that was enough to ID release my money from my account. everything was in my purse including phone so i had no access to my account once i was roobed of my purse. chase bank needs to correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The credit reporting agencies or not properly reporting my correct personal information I would like them to properly report the correct information. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX, Nv XXXX Mailing address : XXXX XXXX XXXX XXXX, Nv XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Numbers that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Employers info : XXXX  Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my credit card account on XXXX XXXX XXXX and reported my account as on time in XXXX and XXXX XXXX XXXX, but are saying they closed my account XX/XX/XXXX and said I was XXXX  days late on payments as of XX/XX/XXXX. They are reporting information on a closed account without my permission. Its closed and Im still being charged interest. To resolve this issue, I have paid the remaining balance as of XX/XX/XXXX, but Im requesting all negative remarks be removed from all XXXX credit agencies immediately for incorrect information on my credit report causing my credit to decrease by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DID NOT OPEN XXXX ACCOUNTS I HAVE POLICE REPORT FOR ALL THESE ACCOUNTS # XXXX. IS THE POLICE 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 non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to file a complaint against Midland Credit Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have encountered several issues with their conduct that have adversely affected my consumer rights.

Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide validation information upon request. Despite my request, they have failed to furnish any validation information, yet they proceeded to report the debt to consumer reporting agencies.

Denial of Dispute Opportunity : As per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute the accuracy of a debt. Unfortunately, Midland Credit Management has denied me the opportunity to dispute the account, violating my rights under the aforementioned regulation.

Use of False, Misleading, and Deceptive Means : The collection agency has engaged in false, misleading, and deceptive practices. Such conduct is in direct violation of consumer rights, and I request a thorough investigation into these practices to prevent further harm to consumers.

Furnishing Information Without Disclosures : The collection agency has furnished the debt to consumer reporting agencies without providing the necessary disclosures required by law. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 [ 7 ) ( A ).

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these matters and takes appropriate actions to rectify the violations committed by Midland Credit Management. I am seeking redress and a resolution that upholds my rights as a consumer.

Enclosed with this letter, please find documentation supporting my claims, including proof of my request for validation information and any communication with Midland Credit Management. I believe a prompt investigation will reveal the extent of their non-compliance with federal regulations.

Thank you for your attention to this matter. I look forward to a swift resolution and appreciate your efforts in protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting fraudulent inquiries found in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BROKER SOLUTIONS, INC.

Complaint narrative:
I have been trying to get assistance from my mortgage company for months to a year now. I am just trying to get my mortgage caught up, so I can start paying again. I fell behind due to loss in income. Every time I send in the items they ask for, they turn around and ask for more items. I sent in the final list of items they needed on  XX/XX/year>. We called back and there was nothing needed. 

Next thing I know they are asking me for a HAND WRITTEN document and all of the same items again.

XXXX days later, a man showed up at my doorstep stating there was a sale date for XX/XX/year>. 

I have every fax and email confirmation that has been sent to New American Funding. They just keep asking me for new things every time I send them what they need and then they assessed a sale date after I have done EVERYTHING they have asked me to do.

I am attaching the documents to this complaint again for review in hopes to stop this impending sale date.

All I am asking for is them to review this correctly. I am ready to resume making my payments again, I just need help getting caught up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have XXXX loans for home furnaces combined into XXXX account XXXX with Wells-Fargo Bank . XXXX is a non interest loan that started in XX/XX/XXXX with about XXXX automatic payment left. The second, I had to pay off in XXXX months from XX/XX/XXXX or by XX/XX/XXXX to avoid interest payments. 

I have been paying them both using automatic withdrawal payments from my account ending in XXXX. I attempted to make the last payment for them XX/XX/XXXX with {$2900.00}. 

However, I mistakenly gave the lady over the telephone the wrong account number for the payoff, XXXX. She did not ask me if I wanted to use the same account, XXXX, or mention that I was giving her a different account number. They also did not email me any confirmation so I can visually see what I had done. 

It was not until XX/XX/XXXX, that I noticed there were attempts to take {$2900.00} out of my unintended account, XXXX, XXXX. Thinking that I had given them the correct account on XX/XX/XXXX, it took me awhile to figure why that unintended bank account XXXX had XXXX {$2900.00} entries as Wells Fargo attempted to retrieve the money instead of calling, texting, or emailing me that there was a problem. There were also XXXX {$28.00} charges that later found out were credit union insufficient fund charges.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I wrote to you requesting an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.

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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: NY

Complaint narrative:
I thus request that you confirm that I owe this debt in accordance with any applicable state and federal regulations. Please contact the creditor for verification. 
Furthermore, under the requirements of the state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and associated consumer regulations, I am directing you to halt collection of the debt while efforts are made to seek proof. Until you have resolved this error with the creditor, you should not contact me or anyone else regarding this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contacted each credit bureau to try and correct wrong information no change to report.

Name Address Closed and open acct Amounts of alleged debts

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted dispute letters to XXXX, XXXX, TransUnion, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports. 

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports. 

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy. 

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted dispute letters to XXXX, Equifax, XXXX, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports.

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports.

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy.

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Statebridge Company
State: CA

Complaint narrative:
I have asked them to provide evidence Of a home on this property, Evidence that insurance is required. 
I have Asked that any monies sent to them Be applied to the payment and note, And they have applied it toward unwanted insurance. 
I have asked for this for 12 months and they have provided 0 evidence of their claims. 
No copy of my file, no copy of ins policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
companies have discriminated and restrained my trade see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I filed a dispute to receive credit for a purchase. In the mean time, paypal issued a credit for the purchase but XXXX XXXX did not return the disputed funds back to Paypal even though I was told the funds would go back to the merchant ( paypal ) in 3 - 5 days. This was XX/XX/24 and XX/XX/24. As of XX/XX/24 I had to pay Paypal the funds XXXX had not returned. According to XXXX XXXX, they don't " hold '' funds and PayPal received the funds for the purchase I made and that PayPal shouldn't have charged me for the " hold '' of {$160.00} because the credit processor holds the funds.

Company response to consumer: Closed with explanation