vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
Scammed through Zelle through XXXX XXXX I have never used Zelle. This was my first time, and the person scamming me walked me through the entire process in order to pay for furniture I was supposedly selling to them. This happened on XX/XX/22. In the total amount of {$600.00}. Zelle says because I authorized the transaction there is no refund. However I was one thousand percent induced to send. I have the entire conversation to show proof. I have already filed a dispute through my bank but after research on this type of problem, Zelles resolution is no refund at all. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: SC

Complaint narrative:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I noticed a collection account open on my XXXX report. The collection agency, Credit Management, reported that I owed {$460.00} to a defaulted account with XXXX XXXX. On XX/XX/XXXX, I reached out to Credit Management to inquire about this account that I had no idea about. I spoke with a gentleman by the name of XXXX at XXXX in regard to this account and he was unable to look up any information about this collection account on my XXXX report using all my personal information. At XXXX on XX/XX/XXXX, I called XXXX and spoke with a gentleman by the name of XXXX XXXX I informed him that this collection account was not mine and he directed me to this site. 

Side Note : The information on my XXXX report was very limited, and even when I gave the gentleman from Credit Management my personal information, nothing came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: OH

Complaint narrative:
As of XX/XX/XXXX, my student loans are forgiven and paid in full. My tradelines are still reporting that I currently owe XXXX which they have been forgiven and paid in full. Attached are the documents proving that these loans are paid in full.

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 2022-03-08 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: OH

Complaint narrative:
I have multiple inquiries on my credit report that I did not authorize from capital one auto finance XXXX, XXXX XXXX XXXX XXXX, capital one auto finance XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: SC

Complaint narrative:
Someone has my personal information and is using it to damage my credit by opening multiple accounts. I'm not sure what this is or what it could be.

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 2022-03-08 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: CO

Complaint narrative:
Today is XX/XX/22 When I checked my credit report there was an Experian alert that said my card was over the limit. I called my bank and they said it hasn't been over the limit and is not now over the limit. 
I tried calling Experian but it's impossible to talk to a person, I only was able to listen to options that didn't apply to my situation. The recording said I had to use their website. 

To use their website they require that I establish an account and become a member. I have no intention of becoming a member and giving them my contact information because I don't trust them. They've already made one mistake that has affected 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 2022-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My mortgage company Carrington Mortgage Services refuses to credit all payments made to my mortgage account. While in bankruptcy ( XX/XX/XXXX ) I received a Foreclosure notice stating that payments for XX/XX/XXXX- XX/XX/XXXX had not be made. I forwarded copies of my bank statements to CMS and they made note of it. By the time this was resolved, my account was in foreclosure and they had stopped taking payments on the account. Inquired to CMS on what to do and was informed that the way to resolve was to request a repayment plan. This was done. I received the repayment plan, but noticed that they repayment amount was very high. When I contacted Billing Dept. they stated they were missing payments on my account. I sent an inquiry to their Research Department asking them to research since the XXXX was discharged and I made payments through XX/XX/XXXX. It was scheduled to start in XX/XX/XXXX. The response I received in XXXX was that all payments had been credited and they were not going to do anymore. However this is not correct. My bankruptcy was discharged in XXXX of XXXX, that means that all parties were satisfied including Carrington.

I wasn't able to make payments from XXXX - XXXX of XXXX. At {$940.00} month x 10 months= {$9400.00} behind. Add 6 months to repay going forward x {$940.00} = {$5600.00}. {$9400.00} + {$5600.00} = {$15000.00}. $ XXXX months to pay = {$2500.00} total repayment per month. However CMS calculation is {$3800.00}. ( I was paying {$930.00} per month at that time ) I made 3 payments of the repayment plan which started in XXXX and received a notice on XXXX that I had been sent to Foreclosure again. All of the payments of the repayment plan were not on time. But they took the money and it should be credited to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
So as one does, I e-filed my taxes at the beginning of XXXX, the date it was recieved into my savings account was XX/XX/XXXX for the amount of XXXX by chase, the very next day the account was closed without any noticed and all the funds were withdrawn from my bank. I then proceeded to call the bank 3 times and all the times said the money had been sent back to the IRS. However, calling the IRS 3 times I get the response that it had been accepted by my bank XX/XX/XXXX, it has been 3 weeks and I have not received a letter or notification on where my income tax return is. There was no notice of my savings account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I scheduled online payment of entire balance with a XXXX card held by Bank of America for the XXXX due date- as usual. 
When I received the next statement from B of A it showed that payment had not been received. 
I went back to their site and found that yes, it had the scheduled payment but mysteriously that payment had been cancelled 2 days before it was to be paid. 
This was very odd, I certainly did not cancel payment. 
I contacted my bank, XXXX XXXX, from where the payment was to be sent from and asked my personal banker to investigate it. Their response was " I was looking into the transaction, and it looks like the payment is setup to be deducted at Bank of Americas end. We dont show it being submitted for us. " This cancellation of payment ( that I did not cancel ) has cost me lates fees and interest that are not correct. 
I promptly filed a complaint with them sending the documentation of the payment being set up, email from my banker identifying that B of A seems to have caused the payment cancellation. 
So far from B of A I received a canned response letter about late fees and interest and another canned letter with a phone number that has a horrible phone tree that does not have an option to address the case number. 
It seems pretty clear that they are not going to investigate and correct this.

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 2022-03-08 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX, XXXX. XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$8800.00} XXXX XXXXXXXX XXXX Balance {$730.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
This is in response the banks statement according to complaint CFPB # XXXX & XXXX I was locked out of my account and lived in a state where there was no TD branch available. I called on XXXX XXXX to gain access to my account. However, the agent told me my only solution was to go to a branch and he can not help me. I also couldn't change my address for billing since I was in Ohio and TD doesn't operate there. Not only until I called XX/XX/2022 was I informed I could mail a notarized statement with 2 proofs of verification. I have not done that yet as my account has already been closed. 

Furthermore, I had more than enough rewards at the time of my account closing ( I believe {$300.00} in rewards ) to pay off my balance in full. Not only was I unable to use my rewards because of account blockage, but I was not informed or suggested that this would be a way to pay off my balance. 

While I understand I was partially at fault, the burdensome process of regaining access to my account made it very difficult to check my balance and get updates on what has been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: TX

Complaint narrative:
accordance with the Fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MO

Complaint narrative:
This account was closed due to the bad debt which I do not validate additionally this goes against 15 USC 1605 ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am reporting a line of credit opened fraudulently in my name, using my social security number, with a balance of {$6200.00}. The company I am reporting is : Portfolio Recovery. This company reopened a closed account, that was recognized as identity theft, on XXXX/XXXX. 

The former company, XXXX XXXX, was notified of the identity theft dated on XX/XX/XXXX of the amount of {$6200.00}. The amount was cleared from my credit report and recognized as identity theft on XX/XX/XXXX. 

I am reporting Portfolio Recovery for using fraudulent information to gain profit. This line of credit is not mine. I do not have this account. I do not owe {$6200.00} to this company. 

I am requesting that the company removes their name and amount owed from ALL 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute as I was never late on my XXXX XXXX XXXX XXXX XXXXXXXX credit card in XXXX, as they reported. They responded by incorrectly changing the " late '' date to XX/XX/XXXX, but the records clearly show I had zero balance in XX/XX/XXXX. 
This is not right and needs to be fixed.

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 2022-03-08 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: Global Lending Services LLC
State: OH

Complaint narrative:
I have multiple inquiries on my credit report that I did not authorize from XXXX XXXX XXXX XXXX XXXX, global lending service XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I did not authorize any of these and I would like them removed or deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA 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 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Someone found my lost banking info and tried depositing a fake check into my account in 2017. I contacted the bank and also the XXXX XXXX XXXX. Im fed up at this point. I cant open bank accounts nowhere and its frustrating. I need this to be deleted from my credit profile. Bank of America still cant give me solid evidence of this action.

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global calls my phone number up to three times daily ; Monday through Saturday. I have answered the phone to tell them to stop calling, although I did not verify my information. The representative agreed to take my number off of the call list. They called the very next day. I do not know what debt they hold because when I ask them to tell me who they are and why they are calling, they say they have to verify my information first before they can reveal any information. I have call logs, but they do not leave voicemails.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names and addresses as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXX, GA 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