vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: Loan Fox Inc
State: LA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Loan Fox INC. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Loan Fox INC for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX There is an 'AUTOPAY '' for {$160.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

XX/XX/XXXX There is an 'AUTOPAY '' for {$210.00} that WAS NOT ME. I DID NOT AUTHORIZE THIS. 

I NEVER RECEIVED A CARD ENDING IN XXXX, XXXX, ANYTHING AFTER CARD ENDING IN XXXX -- I DID NOT GET. 

Can you read? Do you understand what I just wrote? 

I. DID. NOT. RECEIVE. ANY. REPLACEMENT. CARD. AFTER. XXXX. 

YOU made me pay for a fraudulent charge. YOU owe me {$160.00} that I had to pay for on XX/XX/XXXX because YOU CONTINUOUSLY FAILED TO REMOVE FRAUDULENT CHARGES FROM MY NAME AND HAVE IMPACTED MY CREDIT SCORE NEGATIVELY Do you understand? Can you comprehend the timeline of events that I have explained to every single representative since XX/XX/XXXX? 

I PAID OFF MY CARD IN XX/XX/XXXX AND NEVER USED IT AFTERWARD Actions taken by Citi : NONE Your company of morons NEVER opened any dispute, as each time I'd call, your representatives would tell me " oh, we're sorry to hear that sir, we'll get a dispute opened up for you, '' AFTER I JUST SPOKE WITH SOMEONE A WEEK PRIOR WHO TOLD ME THEY WOULD OPEN ONE UP. 

Your company would pass me from one department to another ; Customer Service, Disputes, Fraud Early Warning, Collections, and EVERY SINGLE REPRESENTATIVE WOULD SAY I NEEDED TO BE TRANSFERRED TO SOMEONE ELSE Your company would tell me that my balance was showing {$0.00}, and that I had nothing to worry about. I had to discover that your dimwitted system reports to creditors one linked account ( open since XXXX ), but for some idiotic reason, you create new 'accounts ' with each newly issued card so that your morons have no idea what they're looking at when I tell them that idiotic Citibank has issued/created 5+ account numbers AFTER XXXX, INTENTIONALLY MAKING EVERYTHING SO DIFFICULT TO KEEP TRACK OF Your company to this day has failed to open and process a dispute regarding the remaining amount that was on my report, MADE ME PAY, AND STILL HASN'T TAKEN OFF MY REPORT Your company allowed someone to change my security word, address, bank account number, phone number, email. I NEVER CHANGED ANY OF THIS INFORMATION. I HAVE HAD THE SAME INFORMATION SINCE XXXX. 

Your company allowed XXXX XXXX XXXX to be added AND MAKE UNAUTHORIZED PAYMENTS. I HAVE TOLD EVERY SINGLE REPRESENTATIVE I DID NOT AUTHORIZE THIS ACCOUNT OR EVER AUTHORIZE PAYMENTS FROM THIS ACCOUNT!!!!!

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 2023-05-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried contacting Experian several times about errors on my credit report and they failed to investigate and remove them. They continue to report and illegally verify erroneous information even after notice and confirmation of the information being wrong. They have violated my right to an investigation which violates the FCRA. I have waited now 70 days and they still have not fixed the problem.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I asked for a debt verification letter and was refused by the collection representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-05-16 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: FL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: MN

Complaint narrative:
I received an email asking for my Social Security number, photo of my ID and mailing address on XX/XX/2023. I verified this was a legitimate request through the customer service via the Current banking app, and provided the information. I received another email stating that my account was closed and would not be able to access the funds in said account, stating that they dont generally provide specifics related to the difficult decision to close your account and are unable to release any remaining funds on your suspended Current account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OLD NATIONAL BANCORP
State: VA

Complaint narrative:
I opened up a business in XXXX and pulled my credit report. I had a personal loan from FIRST MIDWEST BANK and my loan got paid off got transferred and being collected by OLD NATIONAL BANK. I saw that since XXXX they have been pulling money out of my account ( {$400.00} ) with no authorization consent, contract or loan that I applied from them. I have been trying for the last XXXX  months to answer 's from them customer service keeps telling me someone higher will call me, never does they have refused to answer my letters asking for the auto payment authorization my signature the contract promisary note anything between the 2 parties or the loan application itself, I do not get answered. I have all my original papers from the original loan. They opened a loan in my name and collecting on it. It's fraud and theft and doing business in bad faith.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have previously reported Penn Credit Collection for attempting to collect a debt from the City of XXXX utility department in which Ive provided extensive documentation of emails and calls logs that not only prove my claims of not owing this debt but also contradict this companys claim that I have not been in contact with the City. Despite the provided evidence, Penn has stopped responding and the debt collection remains on my credit reports making it impossible for me obtain the funds I need for basic needs including a utility account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance, to the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681, Section 602, its states that I have the right to privacy. 15 USC 1681, Section 604A ( 2 ) also states, a CRA can not furnish account information without my written instruction ; furthermore, 15 USC 1666B, also states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: IL

Complaint narrative:
Ive been a victim of identity theft

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 2023-05-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a payment to my XXXX  card on XXXX from a debit card tied to my XXXX XXXX XXXX ) for {$140.00}. My card has been restricted because XXXX  claims they can not verify my transaction. I have provided screen shots, picture of my debit card, bank statements, settlement information from the XXXX XXXX  but apparently that is not sufficient enough. They need me to wait until after my XXXX statement is created ( so XX/XX/XXXX or thereafter ) so they can see the transaction on a statement. I have provided more than enough information that is sufficient to clear this transaction. No one is will to help me, simply saying you have to wait. I have made my payment and I should be able to use my card. This is the second time they have requested verification information for the same account. NOTHING HAS CHANGED!!!!!! You can not pay something from a debit card linked to a checking account that does not have sufficient funds. It is absolutely ludicrous that I have spent over 3 hours on the phone and 3 days trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I attended a time share presentation at the XXXX XXXX resort owned by XXXX with my husband on XX/XX/XXXX, arriving at XXXX. I had received an invitation when at XXXX to attend and receive a free gift. We sat through the meeting and tour with a XXXX time share presenter and real estate agent, and then were given the sales pitch by the real estate agent and the financial representative. We at no point made a purchase or authorized the use of my information to be used for any purchase. They lied and said the needed my information to pull up an individualized offer for a timeshare. We declined any purchases. In the mail on XX/XX/XXXX, I received a notification that a Comenity Vacation Club Credit Account with a {$10000.00} limit had been opened in my name on the same day as the tour at XXXX and a report that my credit had been hit by XXXX and a significant reduction in my credit score had occurred. I immediately contacted Comenity via phone and cancelled the card due to identity theft and fraud. Comenity indicated that they would report the credit account being opened fraudulently to XXXX but did not know if any other accounts had been opened in my name. I have contacted XXXX timeshare division asking for a supervisor but have not been contacted at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: AR

Complaint narrative:
I sent letters on XX/XX/2022 to Experian, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?

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 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked the bureaus to do verification and they sated that everything was accurate. I did thourough research myself and found improper innacuracies on credit report even after they did the careful research.

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 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I signed up with Capital one for a Performance Savings account on XX/XX/XXXX using XXXX sign up promotion. The promotion required a deposit within 15 days of account opening and upon maintaining the balance with the bank continuously for 90 days, the bank would honour its sign up bonus of {$400.00} as per the terms for a deposit of {$50000.00}. 

According to the terms, I have deposited {$50000.00} on XX/XX/XXXX. Even though money was deposited on XX/XX/XXXX, the bank is stating that the 90 day window started from XXXX XX/XX/XXXX. I have consistently maintained that balance with the bank for more than 90 days. When I contacted the bank on XXXX XX/XX/XXXX inquiring them about the sign up bonus, the associate verified the account details, promotion and confirmed over phone that the sign up bonus would be credited on XXXX XX/XX/XXXX. 

However, today as of XXXX XX/XX/XXXX, I still don't have the bonus credited to my account. It seems the entire promotion is outright shady, unethical and misleading to get deposits locked up for a period and not honouring their commitment for sign up bonus from the bank. The bank is giving me a runaround without depositing my sign up bonus when I have provided all the evidence of meeting the criteria. 

I request to please get my sign up bonus honoured and resolve the issue. 

Thanks and Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Cascade CISS Holdings, LLC
State: LA

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX  for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My father, XXXX XXXX XXXX, died on XX/XX/2023, rendering his reverse mortgage due and payable. I certified mailed a letter of intent to sell the house, and a request for a six-month extension, along with a death certificate, to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
Monday, XX/XX/2023, ( yesterday ) when I called customer assist, XXXX to find out why I had not received back the green stub proving certified mail was received, I spoke to " XXXX, '' and she said that they " did not '' receive certified mail with my letter of intent and death certificate. 
She gave me the fax number for XXXXXXXX XXXX  XXXX, XXXX, and the email address, XXXX. 
On Monday, XX/XX/2023, I went to postal annex and faxed a copy of my letter of intent, using the fax number XXXX gave me. 
I also emailed multiple photos of my letter of intent and death certificate. 
I also went to the post office and mailed two copies of the entire Trust and Last Will, letter of intent, death certificate, and signed authorization by me, to contact my attorney. One of them I sent Certified Mail, and the other copy I sent Priority Mail. 
The email came back to me, stating that they refused to receive it! 
I contacted CFPB today because I know that they can get through to 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 2023-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are XXXX and Nordstrom credit cards. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I have already spoke with Mercedes financial They was already resolved. Car was return back in XX/XX/XXXX car was sold in XX/XX/XXXX. No balance now I been getting calls that I have a balance. These calls are every day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed a complaint previously but it was closed for duplicate complaint, but I only filed one complaint. 

On XX/XX/XXXX I sent certified mail to XXXX, XXXX, and XXXX to dispute a facetious account on my credit report due to it not being in my name. I sent copies of my social security card, passport card, passport, and birth certificate as verification and the account still remains on my report after the dispute was closed by the respective companies. The account in particular has a suffix on it, and I do not have a suffix in my name. The account has an address I have never resided at as well. These are violations of the FCRA, my personal information, and it is impeding my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
I noticed errors on my Transunion credit report, so I tried contacting them to have them fix the errors. I have not been able to get them fixed and Transunion is violating section 611 of the FCRA and my right to dispute inaccurate information found in my report and have it removed. I notified them 70 days ago and the errors are still on my credit 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