vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-15 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 — Problem with personal statement of dispute
Company: C/C Financial
State: GA

Complaint narrative:
Firstly, I was traumatically affected by the declared disaster Covid-19. I was let go from work to lessen the in office capacity. This pandemic and the mandates were out of the peoples control. This account is negatively affecting my ability to get a home to house my infant. Ive called and spoke with the creditor several times. I am XXXX because of this hit, I received an emergency housing voucher but am unable to use it because renters automatically see this negative hit and deny me instantly. Please help, there should be some kind of forgiveness due to an uncontrollable disaster occurring. My previous disputes meet FCRA requirements but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX there was an account opened in my name with navy federal fraudulently. In XXXX there was a balance put on my credit profile and has been there every since. I've had this item removed before, but navy federal placed back on my credit. 

I've filed a police report in XXXX and XXXX, a long with a federal trade commission identity theft report created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I had cable and internet service through XXXX XXXX in XXXX, Alabama. The company advertises that they require no contract with its customers. After the company raised rates I notified them that I wanted to cancel my service and gave them a cancellation date. They did not dispute this date and service was cancelled as of this date. 

After cancellation they billed me for a full month when only 3 days of services were rendered during that time. This was after my prior cancellation notice and their acceptance of that date. Their explanation was that they do not pro-rate bills. Since they have no contract with their customers, I did not feel bound by their billing system limitations and I sent them payment for only the XXXX days services rendered. They accepted the payment. 

Given my prior notice to them of the cancellation in advance of their billing cycle, their cutting of service on the date I requested, the lack of a contract, and their acceptance of the check I sent in payment for the services actually rendered I do owe them anything. 

Despite this, they are continuing to try to collect {$170.00} for a time when they rendered no service. They have turned the bill over to a collection agency, Sequium Asset Solutions , LLC. I have disputed this bill several times, in writing and over the phone, but the collection efforts have not stopped. I have included documentation with the written responses and have received no proof of any debt, beyond copies of the fraudulent invoice. 

I consider this bill to be fraudulently issued and the continuing collection efforts to be in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
-On XX/XX/22, the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email was hacked and all of the company 's emails started to be forwarded to the hacker 's email address. The hacker started replying to the email correspondences between myself and XXXX XXXX XXXX XXXX on XX/XX/22. I had agreed to lease an apartment from this company in XXXX ; the hacker instructed me to XXXX XXXX$1800.00} to the hacker 's XXXX account on XX/XX/22, however, they were replying to me through the email correspondences between myself and XXXX XXXX XXXX  XXXX ( Thus I had no way of knowing that a hacker had intercepted our email correspondences ). 
XXXX XX/XX/22, as instructed, I completed a XXXX money transfer in the amount of {$1800.00} to the XXXX e-mail address provided to me by email by, who I thought was a representative of XXXX XXXX XXXX, XXXX XXXX 
-On XX/XX/22, I got ahold of the owner of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX by phone, and was informed of the hacked activity on the company 's e-mail address. 
-On the same day, XX/XX/22, I opened a case with my bank, Chase , concerning the fraudulent charge, and was told the {$1800.00} would be refunded to my account. 
-When I called Chase on XX/XX/22 for an update on my case, I was informed that the case was closed, as Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and they had opened a case with XXXX and that I could call back in 10 business days for an update. 
-I called XXXX myself on XX/XX/22, and was informed that XXXX does not handle cases like this, and no case was opened with them by Chase XXXX as I had been falsely told prior by Chase XXXX XX/XX/22. 
-When I called Chase again on XX/XX/22 for an update on my case, I was again informed that Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and that I was to be responsible for the {$1800.00} XXXX payment and Chase was not going to follow-up further. 
-This transaction was fraudulent and NOT AUTHORIZED by myself, however, Chase maintains that because the " electronic token matches up, '' that it was not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.0

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 2022-07-15 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: VA

Complaint narrative:
I have additional fraudulent inquiries that i have not authorized on my equifax report they are as follows XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have asked repeatedly over the course of 13 months for this to get resolved an Experian continues to drag their feet and play games. This is ridiculous. They sent me an updated report and this report too DOES NOT have my 100 word statement that I have asked for month to be inputted. 

Experian needs to stop reporting inaccurate information in my file reporting two key factors affecting my score which is irroneous information. I DO NOT nor have I EVER HAD A Consumer Finance Company and my balances are all at zero or within a couple XXXX  dollars HOW can the proportion of loan balances to loan amounts be to high with the balance is XXXX ( XXXX )? Experian can't seem to explain it yet they keep reporting it. 

I've asked numerous times with no resolve. 

I have sent countless letters, some even certified requested an explanation and removal of this erroneous information they continue to report. Experian wants consumers in debt and when you pay off everything they want to punish 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 2022-07-15 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested the Experian change the reporting of a mortgage company listed in my bankruptcy. The request was to exclude the mention of the mortgage company because it was not included in the discharge of my bankruptcy. I protected my home from being included. When I requested the change, Experian dropped my credit score XXXX points. I took that as being punished for requesting a change. They offered NO explanation.

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 2022-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. This item I demanding to be deleted immediately : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 non-monetary relief
Consumer complaint received 2022-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Apex Mortgage LLC
State: MD

Complaint narrative:
XXXX XXXX Executive Vice President Apex Mortgage LLC NMLS XXXX I was the listing agent on a transaction where XXXX was acting as a loan officer. When confronted that he wasn't a licensed LO he said he's an attorney and doesn't have to be. Also, he is not a licensed atty in Maryland. Furthermore, he acted extremely unethically. When I asked why he didn't need an extension to the contract of sale he told me he just uses a blank one. There were 2 months worth of delays. He told me he was reimbursing the buyers agent some of his commission that the buyers agent agreed to give up. Additionally, the buyer in the transaction told me he wired XXXX $ to the mortgage company. When I told the buyer that the Sellers cancelled the contract 2 weeks ago the buyer didn't know and the XXXX, XXXX, told the buyer he would return his money and offered him more money to not report him because he had XXXX. This guy is a predator. The story goes on and on.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Bankruptcy XXXX XXXX Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy. 
15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 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:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 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 non-monetary relief
Consumer complaint received 2022-07-15 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: MO

Complaint narrative:
At XXXX am on XX/XX/2022, I received an email notification from XXXX XXXX stating that I had a new hard inquiry from Kohls/Capital One ( also dated XX/XX/XXXX ). I did not authorize this inquiry and I do not have an account with Kohls/Capital One. 

I called Kohls to attempt to resolve the issue on XX/XX/XXXX. 2022. The customer service associate I spoke with attempted to look up any account under my full name, my zip code, or my email address. He could not find an account using any of that information. I asked the customer service associate if he could use my social security number to look up an account and he said they are not allowed to do that for security purposes. 

When I reached out directly to XXXX to resolve the issue, the customer service associate stated that hard inquiries can not be disputed and instead I need to get legal authorization to have XXXX delete the inquiry. 

I have placed an initial fraud alert on my account with XXXX, but I am still trying to resolve my issue with the unauthorized hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15 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: FL

Complaint narrative:
Dear CFPB, on XX/XX/XXXX, I bought the following items ( listed below ) under Order # XXXX from XXXX paying {$370.00} thru XXXX XXXX Citi Master Card, and returned them all on XX/XX/XXXX, due to many reasons like defective items and different stuff delivered ( one box had 3 packs of XXXX sparkling water instead of what I had originally ordered ) so I decided to send them all back : XXXX - XXXX XXXX Spotlight Cam 3 Pack ; XXXX - XXXX XXXX XXXX ; XXXX - Adjustable In/Outdoor Metal Wall Mount 3 Pack XXXX XXXX - XXXX XXXX Wired Video Doorbell. 

Since then, I have been dealing with Citi Cards and XXXX, fighting for my refunds which have been in and out, back and forth with disputes, phone calls, and e-mails to request their refund all in vain so far. 

On XX/XX/XXXX, XXXX finally sent me an e-mail stating they had deposited a final refund of {$230.00} on my XXXX Citi Master Card account but unfortunately until this date ( XX/XX/XXXX ) Citi Cards has not given me any response/reply to that. 

Therefore, I beg XXXX a sincere help to represent me in order to get what's mine back to where it belongs, my banking account. 

Thank you for your attention in this matter. 

Sincerely, 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 2022-07-15 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: Grain Technology, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I wrote to the following companies for a third time in regards to two accounts that are not mine and are fraudulent and reporting on my credit report. This is now my third attempt to resolve this matter, as I have also filed a report with the federal trade commission also in regards to this matter. 

FRAUDULENT ACCOUNTS : Original creditor : GRAIN TECHNO Account # : XXXX Date of Acct : XX/XX/XXXX OTHER FRAUDULENT ACCOUNT Balance : {$480.00} Original creditor : XXXX XXXX Account # : XXXX Date of Acct : XX/XX/XXXX Balance : {$480.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am owed a refund of {$250.00} and I have not received the check. They say they have sent 3 times and it never arrives. I asked for them to send a trackable method and they refused. I asked for it to be sent electronically to my account and they refused. 

Need this resolved, been going since XX/XX/202XXXX 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 monetary relief
Consumer complaint received 2022-07-15 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: CA

Complaint narrative:
TransUnion like XXXX is not reporting information correctly and as such is having an adverse reaction on my credit score. My score dropped XXXX points for no reason at all. I have XXXX % debt. Yet the score just dropped for no reason. They are claiming they have no data for any of my revolving utilization which is also inaccurate. These games that the credit bureaus play is just ridiculous. If you are in debt they love you, when you pay off everything they want to punish 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 2022-07-15 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: NJ

Complaint narrative:
I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, Equifax and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXXXXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: RSVP Lending, LLC dba RSVP Loans
State: DE

Complaint narrative:
I was going through a financial hardship and I needed to make a payment arrangement for payment. So on XX/XX/2022, I called RSVP loans and asked to speak to my account manager, I was transfer to XXXX I the collections specialist for RSVP loans. I explained to her that I know I was one day late and I needed a payment arrangement. She was very rude and told me that she was the one who could approve or deny a payment arrangement and that they were going to take legal action against me ( and I was only a day late ). She also stated that i was 30 days late which was not true, the last payment I made was on XX/XX/XXXX. I was never notified that I had a new account manager. I then called a customer service representative and he set me up with a payment arrangement.

Company response to consumer: Closed with explanation