vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I opened a Capital One credit account through XXXX to help build my credit. I made my security deposit & received my card. I use it occasionally just to help build my credit. On XX/XX/XXXX, I charged {$110.00} to my capital one account. I do these charges again to help build my credit & I then immediately pay the balance once the balance is posted on Capital Ones app. On XX/XX/XXXX, I made the payment of {$110.00} paying it off. Capital one without my knowledge set automatic payment to my account so by doing this I got charged against for {$110.00} which was set to be paid XX/XX/year> for automatic payment even though I had already paid this balance. 

Today when I checked my credit score, I noticed that my credit score dropped by XXXX points for being late / delinquent on a payment. When I called Capital one, they told me that my balance was {$0.00} & it said the same on the app. When I checked an alert of a " New account '' under the negative options for my credit, it stated that I owed a balance of {$110.00}, the amount if paid. When I contacted them they told me that it was my fault for not keeping track of my account & automatic payment method. They have destroyed my credit when I put trust in them to help me build it. I don't know what to do. They destroyed it for no reason at all other than they tried to steal money from me. I am considering contacting a consumer rights attorney and suing for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I got an apple card, where i tried to make payments from my savings account. apple card which is a mastercard from goldman sachs kept pulling the money from my checking account, because of which my account went negative and i was charged NSF fee of {$32.00}. I have spoken to multiple people from apple support and submitted bank statments and yet no resolution yet. It been 3 months and nothing yet. I need the money reverted as its apples internal error not mine. It also dinged my credit scores as the payment got declined for non sufficient funds. Their texting feature to resolve cases usually hangs up on customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
two hard inquiry was on my account after I ask to get them removed. called to get the hard inquire off my account, talked to an fraud investigator who said they would take the inquire off. but they only took one off when checking my report I still see that the inquire is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Act Name : XXXX XXXX XXXX XXXX, Act Name : XXXX, XXXX Number : XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonably believes that the information is inaccurate. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted a dispute through XXXX regarding an old auto loan and repossession showing on my credit. Now the debt shows as just recently charged off, which is invalid. The last payment on the vehicle prior to repossession was over 13 years ago. It states on my credit file that it was past due as of XX/XX/XXXX, but that is an error on the part of Wells Fargo ; as you can see from the attached XXXX report it was really last paid on XX/XX/XXXX. Per the Fair Credit Reporting Act, this account should have only remained on my credit for up to 7 years, but Wells Fargo fraudulently reported it again in XXXX, though I made no payment arrangements with the company, nor did I enter a settlement for this debt. The statute of limitations for this debt, which was my ex-husband 's in our divorce settlement, has long passed and this should be cleared from my credit report. Be advised that the last name was under my then-married name of 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2024 the items below have been re-inserted into my credit file. XXXX XXXX XXXX You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This account was already removed weeks ago for inaccuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
In accordance with fair credit reporting act this creditor JPMCB Card Services located at XXXX XXXX XXXX XXXX, DE has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

I have called XX/XX/2024 and tried to get this handled but was told there is nothing they could do. I sent an email to the XXXX XXXX XXXX and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding the inaccurate reporting of account XXXX on my credit reports, which is in clear violation of the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that both TransUnion and XXXX are reporting conflicting information regarding the " date last active '' for this account. TransUnion is reporting the date last active as XXXX, while XXXX is reporting it as XXXX. This discrepancy not only undermines the credibility of the information but also violates my consumer right to have a fair and accurate credit report. 

Furthermore, I must highlight that XXXX has already deleted this account from my credit report due to my information being compromised in the XXXX data breach and the account not being verified. Therefore, the inclusion of this account by TransUnion and XXXX is entirely unjustified and constitutes false reporting. 

Additionally, I would like to emphasize that this account is uncollectible under the statute of limitations, which is 4 years in the state of Texas. As such, its continued presence on my credit report is not only erroneous but also damaging to my creditworthiness and financial reputation. 

I have previously requested your method of verification, and you have failed to comply with this request, thereby further violating the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Should you persist in your non-compliance and failure to rectify this situation promptly, please be advised that I am prepared to take legal action to seek relief and monetary damages under FCRA Sections 616 and 617. I am diligently documenting all communications and actions taken in this matter for this purpose. 

I hereby demand the immediate removal of account XXXX from my credit reports maintained by TransUnion and XXXX. I expect confirmation of this action within 7-10 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Hello, I applied for a Pottery Barn CapitalOne credit card in XXXX to purchase a seat online for {$2900.00}. The offer was a year to pay the balance without interest. However, in XXXX I started to make payments online. 

On XX/XX/XXXX, I decided to check statements and noticed an interest charge of {$71.00}. immediately I called to request a refund. On the phone with the agents, I was informed that the promotion offer was valid and I was charged additional interest in XXXX for {$71.00} and then in XXXX for {$74.00}. 

The agent was informed that she would help me get the full refund I requested. However, an hour later I received an email with a link to a letter denying the refund. 

I called again for additional information. Since it has passed 90 days since the first time the interest was charged without a " complaint '', my money would not be refunded. 

Furthermore, the offer was not valid and directed me to call Pottery Barn because CapitalOne couldn't/would n't help further. 

These businesses deceived me and stole money from me. I now have to pay in full to avoid additional interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried to take the proper protocols to get this account removed from attachment with me. Im a victim of identity theft and American Express is trying to make me take responsibility of this account when I have provided proof that I didnt have anything to do with opening my this account or opening the bank account that made payments to this account. Im about liable for anything because I didnt gain anything from this account being opened. They are ignoring the fact that I provided proof of me not making payments against their claim of me paying on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I checked my credit report XX/XX/year> and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
I sent Exeter finance a letter requesting all documentary evidence on the public and private side pursuant to stipulations in the GAAP. And my copy b of 1099c form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have tried to use this prepaid Visa gift card at several retailers, in person and online, and the card is declined every time. I called the issuer and there was no resolution for how to get it to work. The card still has the full balance available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I need to report the XXXX  of my XXXX XXXXXXXX XXXX XXXX and my XXXX XXXXXXXX XXXX XXXX. Im not going to get bullied by XXXX XXXX and them doing fraud because theyre not capable of getting a real job that doesnt involve stealing from me or my real family. All the banks are claiming theyre trying to help but theyre making a short term profit and a long term bad decision by failing to disclose and provide me access to all of my funds. Im not your XXXX XXXX  or your rancher thats a teleprompt and a fake XXXX. Leave me alone and you guys should be ashamed of yourselves for attempting to turn the United States of America into the United States of Frauderica

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XXXX, XXXX, I signed up for a service that offered free credit reporting services, TransUnion, for 30 days. I cancelled within a week but the monthly billing will not stop. I contacted TransUnion for several months telling them to stop taking the monthly fee from my account. Still no reply. Every month in XXXX I have been charged the monthly fee, extending into XXXX. I want these deductions to stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A
person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
They sent you a letter ( 50 pages ) and it appears they are asking for the XXXX XXXX XXXX ( now provided ) In this letter a number of false statements were made to the CFPB 1 ) typo, wrong loan transfer - it was XXXX, not XXXX XXXX ) They say they provide a communication method, but they do not answer the phone, text, email, or registered letters, 3 ) They say there was a letter on XX/XX/year> - never recieved, 4 ) They never asked for the master HOA policy, Until the leter sent to CFPB they provided NO insurance contact. It is very obvious that Newrez wants to systematically take {$170.00} / month from me. In reading the consumer complaints, they are taking this from many many people. They have a poor record and would like the CFPB to believe they have communication and a reasonable service. The truth is they provide NO SERVICE because doing so would allow people to avoid problems they make money creating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation