vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 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: OneMain Finance Corporation
State: AL

Complaint narrative:
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: CBC Companies, Inc.
State: AL

Complaint narrative:
Im a victim of identity theft and I have multiple hard inquiries for accounts I do know have and not aware of applying for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: PR

Complaint narrative:
I reported a fraud incident with my credit card company ( Costco Visa Citi ) due to a transaction that occurred on XX/XX/2020. My credit card was cancelled and an issue was credited to my account. I reported incidents I believe in XXXX as well for multiple transactions that were approved to my account for a total of {$2700.00} ( detail below ). I also reported at that time some payments that were made to may account with a checking/savings account that was added to my online account that I did not recognize. These charges were reversed on the account but there was no security investigation as of how my account was accessed and a checking/savings account was added to my account. They simply reversed the charges on my account and also sent me on XX/XX/XXXX a determination that the charges to my account stand because the card 's XXXX chip was used at a chip enabled card reader. Also, my account credit limit is of {$1200.00} and they continue to approve transactions to my account even if it was over the limit. How can that be? If i am short for {$30.00} on my account and try to buy at a store I am sure I would not get approved. I have had other credit cards that spot illegal transaction like these and quickly contact the customer to confirm. Transaction over transaction were made to my account with no security on their side. There are too many strange things happening on my account to simply accept this determination. They can view my history on this account and my purchases never even passed I believe {$500.00}. I was very careful with my credit to have it ruined by this. I am sure there is a reason as to why XXXX adopted pin with the chip enabled cards and not just signature. The truth is that technology is an asset but it can be tricked. Below all the transactions made to my acccount.Notice that the first transaction was credited. 

XX/XX/2020 XXXX # XXXX XXXX, PR $ XXXX Credited XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$200.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$250.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX PR {$100.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$400.00} XX/XX/2020 XXXX XXXX XXXX XXXX, PR {$210.00} XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX PR {$700.00}

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 explanation
Consumer complaint received 2020-11-14 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: AL

Complaint narrative:
Im a victim of identity theft. I have no acknowledgment of applying for these

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 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: AMERICAN ADVISORS GROUP
State: TX

Complaint narrative:
I have complained and asked multiple times American Advisors Group ( AAG ) a simple question. Where in section 604 of the FCRA does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report? All they have to do is supply the section and paragraph in FCRA Section 604. However they cover up and dodge the question, make matters worse, and simply state " we had appropriate permissible purpose under FCRA Section 604 '' and continue by stating " We are also confident in the process and partners used to complete this action and reaffirm that our process has been thoroughly vetted and meets all applicable Federal and State requirements ''. Then they continue by making me seem uneducated and alluding I am unhappy about the outcome of my application. I was not properly vetted by AAG and my barndominium is excluded for financing. The question is simple - Where in Section 604 of the Federal Credit Reporting Act ( FCRA ) does it allow a COMPANY to receive verbal permission as authorization to access a person 's credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: FIRST HERITAGE CREDIT LLC
State: AL

Complaint narrative:
Im a victim of identity theft. I have no acknowledgment of applying for these

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I was alerted on XX/XX/2020 by my Credit Monitoring Company XXXX XXXX. My former creditor Bridgecrest has reported fraudulent account information to XXXX  Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with Bridgecrest. I paid off my auto loan with no balance and the company mailed me my vehicle Title. Bridgecrest has reported to XXXX  that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to XXXX  has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
There is a hard inquiry on my XXXX  credit report from Suntrust Bank XXXX XXXX, dated XX/XX/2019. I did not apply nor authorize this company to conduct a hard inquiry 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 explanation
Consumer complaint received 2020-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Unable to process DISPUTE on site that is hosted and operated by TransUnion Consumer Interactive , Inc., a wholly owned subsidiary of TransUnion, LLC. 

No matter how many times you try, it always says " Dispute Temporarily Unavailable '' This CFPB agency is a joke. You guys never do anything to help ordinary Americans.

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 2020-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am XXXX XXXX. My car is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Chase auto finance wrongfuly repossessed it in XX/XX/XXXX not in XX/XX/XXXX. They only see my XXXX payment. I was paying even when chase branches was closed due to covid-19. I paid {$600.00} in XXXX {$1000.00} in total on XX/XX/XXXX in a chase branch when chase branches was closing due to XXXX. Chase sent me a letter saying I don't have to pay during the six month grace period but I paid anyway. I have all the proof of payments. They refused to reboot the whole system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
This debt was disputed thru my insurance company and they recieved no response.I have had XXXX XXXX XXXX since XXXX.I submitted all crudentials at time of emergency room visit.This debt is 6 yrs old and has expired the time they can legally collct.I also disputed this thru XXXX  and recieved a email that the account was closed and would be deleted from my credit report.I never recieved any notification whatsoever in 6 yrs concerning any issues wXXXX having a problem w.payment.My insurance company never recieved any notification in referrence to this bill.I only became aware when contacted by commonwealth debt collection services.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
XX/XX/2020. I called and filed a dispute on the account. I never received notifications and the originator XXXX XXXX XXXX stated they could not provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My checking account has been compromised 2 times. the first time the bank refunded some but not all of the charges. I was forced to eat about XXXX dollars in charges I never authorized from XXXX. the other day someone charged XXXX dollars in airline tickets while i was working. I was hung up on with chase and I've been transferred dozen of time. I want my funds back in my account and I want my funds to remain safe. I want the original as well as the new amount refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: GA

Complaint narrative:
All of my credit card balances have been XXXX since XXXX XXXX XXXX and XXXX  have reflected this Equifax still has a derogatory and negative credit rating. The score is over a 100 points lower than the other credit reports. This is preventing me from getting a mortgage and a car. When I called the creditors directly they said they have reported the updated status of my credit balances to Equifax. It is now XXXX in Equifax still has not updated XXXX report even though it says the date of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was alerted on XX/XX/2020 by my XXXX XXXX XXXX XXXX ID. My former creditor XXXX has reported fraudulent account information to Experian Credit Bureau. I have proof of the fraudulent data reported and will attached the document. I no longer do business with XXXX. I paid off my auto loan with no balance and the company mailed me my vehicle Title. XXXX has reported to Experian that my account is still open with them and that I have an account balance of {$1000.00}. Which is 100 % in accurate. I filed many complaints in regards to the illegal business practices that the company is doing and the harassment that I have faced and still is facing. The fraudulent information reported to Experian has caused a tremendous downfall in my credit score. As a U.S. Citizen, this is not right and the company needs to be fined for there illegal actions. Would you please assist with this matter? I have submitted several complaints and yet I am still be harassed.

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 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: FL

Complaint narrative:
Fox collection agency has been reporting a medical bill under my credit for several years now. This is not mine and I dont even have proof of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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:
On XX/XX/2020, WF PLXXXX add a hard inquiry on my credit report per 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 2020-11-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, CITI CARDS CBNA add a hard inquiry on my credit report per 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 2020-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: NJ

Complaint narrative:
xoom XXXX has my incorrect profile details date of birth and last name sent them letter using my lawyer but action has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2020 at XXXX XXXX  I called USAA Bank to file a claim on an unauthorized transaction using my debit card that posted on XX/XX/XXXX for {$71.00}. I already canceled my debit card. Got a credit while claim is in process. 
XX/XX/2020 XXXX XXXX   Got a call from a representative of USAA asking me what happened with that transaction. After explaining I was told it was filed as a dispute claim should had been a fraud claim. I told her I just called in and representative filed the claim I have no idea was the wrong one. She said credit will be reversed and I should see another credit under fraud instead by XXXX XXXX Credit was taken back on XXXX XXXX 2020. No credit was reissued. 
XX/XX/2020 XXXX XXXX  Called to asked about status of claim. Was told I should had the credit already. Representative review acct and said could see notes. To give 3 to 5 business days and I should see credit. 
XX/XX/2020 XXXX XXXX  Called again to check on status and credit. Representative said she can see notes. Put a work order to get credit should take 7 to 10 business days. 
Absolutely unacceptable is I have to keep waiting and calling after a month of calls going back and forth and this is not free money. Hard earned money not XXXX cents or XXXX dollars but {$71.00} that I could pay a bill with. Besides another issue that havenr been resolved either. I cant access my insurance yo make payments this has been going on since XXXX. No resolution either and here I am can't make my payment. Already missed a payment arrangement because of this on my car insurance. I dont like to give my card or acct info on a call to a person. I prefer doing it thru website of the bank. I cant even use bill pay option either. Again another issued mentioned on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and still nobody knows why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XXXX Citbank closed two of my secure cards I have yet to receive my secure deposit back after they told me I would in no more than twenty four days.. they are now charging fees and money to accounts that they closed not me.

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 2020-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Received a bill from my homeowners insurance asking for payment. Come to find out our home owners insurance company XXXX has reached out to the loan servicer on two different occasions, XX/XX/XXXX and XX/XX/XXXX to pay the home owners insurance through our impound account and the mortgage company has failed to comply, Freedom Mortgage. The premiums on my home owner insurance is for the period of performance XX/XX/XXXX to XX/XX/XXXX. I am currently lapsed in my home owner insurance because Freedom Mortgage has not made the payment. It appears the insurance coverage department at Freedom Mortgage is only open Monday-Friday, but the loan Department is open Monday-Saturday and can not handle making the payments for insurance only work payments for the mortgage.

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 2020-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
In XX/XX/XXXXXXXX  New Rez/Shellpoint mortgage raised our mortgage payment from {$1200.00} to {$1700.00} with XXXX notice to us. We reached out to them and discovered it was an issue with our escrow account. We asked them to readjust because we could not afford that amount, especially during a pandemic, and they refused. When we closed on our house our city did not turn in our homestead paperwork and they were trying to contact a different XXXX XXXX so we had no idea that our house went non-homestead XX/XX/XXXX until XXXX of XXXX. We filled out a new Principal Residence Form in XX/XX/XXXX and as of XX/XX/XXXX our house was now homestead and we were getting a refund for our XXXX property taxes. But they only meet once a year and weren't meeting until XX/XX/XXXX. New Rez jacked up our escrow account in XX/XX/XXXX with XXXX notice. They refused to recalculate it even though our house was in fact homesteaded. They wouldn't accept any forms from the State of Michigan Equalization Department. The State of Michigan and the City of XXXX all were stumped on what to do. I finally got a hold of a superviser at New Rez/Shellpoint who said we can continue to pay our regular payment of {$1200.00} and in XXXX when our homestead case for XXXX was reviewed they would lower our escrow amount. We ended up selling our house in XX/XX/XXXX. 

We are now went to get pre-approved for our new house and New Rez/Shellpoint marked us late on XX/XX/XXXX and XX/XX/XXXX! When we made the {$1200.00} payment that their representative told us to!! We even called in to pay it and they assured us it wouldn't be a late payment. 

This company is without a doubt unethical. I have been trying to dispute their late payments and get letters of deletions for the two instances and I can not even get ANYONE on the phone. They do not answer at all. We have had countless issues with them in the past, they have no business dealing with peoples mortgages and credit scores.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation