vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I looked on line and saw a sale on XXXX. A chair and ottoman for {$59.00}. I bought it and I got a emailed receipt and I saw that it was not from XXXX. I immediately called XXXX and they let me know that it was a scam. I called my bank and let them know what was going on. They told me to wait up to 10 days to see if I get the product. I waited and emailed XXXX. That was the email on the correspondence on the internet and I never got a response. There was no phone number. I never got a response. I never got my chair and ottoman I called the bank and they issued a credit on XX/XX/XXXX. I thought it was over however I get a email from my bank stating that XXXX XXXX sent them proof that the charge was valid. I called Capital One and asked to see the proof. they sent me a copy that was not legible. They read me what it said and I knew it was fraud. I blew up the document and the document was not from the post office at all. I read the tracking number that they said was proof and it said it was delivered on XX/XX/XXXX. The tracking number said it was delivered to my front door or porch. I live on the XXXX floor of a secured building so I knew it was false. It was also a tracking number from XXXX and I know they do not deliver chairs and ottomans. I made a claim with the post office and sent that to Capital one. The post office sent me back proof that the delivery was a XXXX ounce letter and was sent to a different address not mine! A Chair and ottoman do not weigh XXXX ounces! Also the post office stated in their letter that they have a maximum delivery and they would not deliver a chair and or a ottoman. I sent all of this to Capital One. They have since denied ever claim and now have made me pay back the money to XXXX XXXX and now my account is negative. I have proven that all of this is fraud and I still now have paid for items that I never received and I have been scammed by now my bank and XXXX XXXX. The address that the post office delivered the XXXX ounce letter to is a church! I have sent all the proof to Capital one and they do not care. At this point I do not know what to do! I also did my own investigating and the receipt I got said that I paid out of a XXXX account. There is no record of this purchase on my XXXX  account. That is weird... Like I said I thought it was wayfair! That is what the description says. I buy from them all the time. Also my receipt I sent Capital one said XXXX on it. Please help me! I need justice im sure XXXX XXXX has done this before! And Capitol One!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
I have received NUMEROUS calls from XXXX. This number claims to be XXXX XXXX XXXX. When you call the number, it is Halstead Financial ... a debt collector. They are falsifying who they are. Every debt that I have, I have acknowledged and just can not afford to pay anything right now. I do not want to be contacted by anyone under false notifications. They call ALL the time and I have not received anything in the mail from them. They never mail anything to me regarding their intent or stating they use a fake caller ID. I have pets, when this number and caller ID show up I think it is an urgent matter about one of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These calls are VERY disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Items purchased on the website XXXX  was a scam. I made a {$100.00} payment with XXXX. I also was texted by the company that my order was recieved and processed. That number is ( XXXX ) XXXX. I also filed a complaint with the FTC. I contacted company by email and text an no response. I also contacted Chase and they will not help me. I have an email from the company that my order was being processed ; however, I did recieve another text asking for {$480.00} for XXXX stamps. Then I knew this was a scam. I did not send any additional money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX and XXXX XXXX which was transferred from my wallet utilizing Coinbase 's services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Had a Capitol One credit account that was opened in XXXX. Never sent to collections, shows charged off on my credit file in XXXX. Lawsuit filed XX/XX/XXXX, did not get any notice of the attempt to collect a charged off debt by Capitol One. The companies lawyers sued me and garnished my pay for an account that is over the collection statue in Virginia. Was not able to fight it due to the response guideline set by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NM

Complaint narrative:
Diversified Adjustment Service , Inc . 
XXXX XXXX XXXX XXXX MN XXXX Received notice that my " account '' with XXXX XXXX is in arrears in the amount of {$210.00}. 

Reference # XXXX Person named on the notice, XXXX. XXXX, has been deceased for 25 years. 

The account number on the notice is not an XXXX account number. 

I checked my bank records, and called XXXX to make sure my account is, and has been, current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a debt validation letter requesting validation that is competent evidence bearing my signature, showing a contractual obligation to pay this debt collector. On XX/XX/2022 I received a one page document with an address not belonging to me and a similar name as mine. As a result, on XX/XX/2022 I sent a response to their correspondence acknowledging their failure t o proved me with a copy of viable evidence, bearing my signature, showing the account is being reported accurately AND belongs to me. It is now XX/XX/2022, I have not received validation. I am demanding the immediate deletion of this reporting from all consumer reports.

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 2022-08-10 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
On XX/XX/2022, my Frontier Mastercard was stolen, along with my purse, ID, car keys, and four other unrelated credit cards. The defendant then used my card fraudulently to make the following purchases : {$89.00} at XXXX XXXX XXXX {$410.00} at XXXX XXXX {$210.00} at XXXX XXXX This card was reported stolen on XX/XX/2022, and these charges were disputed. The card was closed, and a new card was issued. Originally credited back to me, these fraudulent charges again appeared as transactions on my new card on XX/XX/2022. In speaking with XXXX from the Fraud Investigation Department on XX/XX/2022, I was informed that more evidence was needed to support my claim of fraudulence and that the investigation was closed and a police report submission was required to re-open the investigation. Not once was I contacted to let me know this was the case, after I offered the police report number during my first conversation regarding these fraudulent charges. Since the case was active and the defendant undergoing trial, the CO District 18 D.A. 's office was unable to provide a redacted police report until XX/XX/2022. The report, along with a dispute letter, was faxed to the Barclays Fraud Investigation Department XX/XX/2022 and the investigation reopened on XX/XX/XXXX. When I spoke with XXXX on XX/XX/2022, I was informed the investigation was again closed on XX/XX/2022. However, no communication regarding the results of that investigation has been provided, and I continue to receive harassing collections phone calls, accrue fees and interest on the fraudulent charges, and negative reporting to the credit bureaus.

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 2022-08-10 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: AFNI INC.
State: NJ

Complaint narrative:
Company claims that info was sent to me in regards to amount owed of XXXX, and also claims that proper investigation into this matter was done which is false. My address is incorrect on their documentation. This info on my credit report needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: GA

Complaint narrative:
Transunion previously responded to my identity theft complaint and violated my rights by not deleting the items that I have identified as items resulting from identity theft.

15 USC 1681 d-2, states that a consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1681 e, states that an investigative consumer report shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality.

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 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My attorney XXXX XXXX XXXX issued me a check for an auto accident i was in. i deposited the check into my XXXX  XXXX XXXX account on XX/XX/XXXX my account was closed and now the funds are being held in the hold harmless dept. i was told that the check was flagged as stolen or altered. I am being told by my XXXX  XXXX XXXX that the check is under investigation and it can be expedited if the maker of the check filed a formal recall and submits supporting documentaion showing the funds are legit and they will release the funds back to the maker but until the check is being held " under investigation with no end date they have been holding these funds since XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: MD

Complaint narrative:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. These accounts on my consumer report is effecting my life in devastating ways.

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 2022-08-10 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:
There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate.

These accounts on my consumer report is effecting my life in devastating ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is my second complaint over this issue, you all are charging excessive overdrafts. My account has been over-drafted for over two months, every time I make a deposit to bring it current it is swallowed by overdraft fees. I need you to waive some of these, it is ridiculous that I have made over {$900.00} in deposits and my account is still over drafted. I have made these deposits since my last complaint. Also when I called the contact center like the letter from XXXX XXXX stated to get a courtesy refund of overdraft fees and they had no idea what I was talking about. I have payed so many overdraft fees with this banking institution and I understand your rules. However I have ask to stop my overdraft protection a plethora of times and its ridiculous that these charges go through at your discretion when you see I don't have the funds to cover it. This bank is preying on people with financial issues by charging these excessive overdraft fees. I will start a class action lawsuit if I have because I know I'm not the only one that's being charges these fees. These fees are predatory to people being affected by the financial state of our country after covid and during this recession.

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 2022-08-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of ALL charges which was never disclosed to me by the organization in direct violation of this law. Pursuant to 15 U.S.Code 1615 i shall be reimbursed for all unearned interests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I purchase on loan the XXXX XXXX XXXX with the Bridgecrest XXXX XXXX XXXX ) company on the XX/XX/XXXX and paid for some of the loan but could make it due to lack of enough money until they came and reposes the vehicle on the XX/XX/XXXX at the amount of {$16000.00} with a compound interest of 23.99 % because i didn't have enough credit score at my first purchase. 
Since then the company has been charging me on daily interest and my balance now is showing {$26000.00} on the credit report. 
This is stopping me from getting any auto loan anywhere. 
Please a very good positive answer will help me move forward with my life. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
NAME OF CURRENT CREDITOR : PORTFOLIO, ACCT NO : XXXX, PURCHASED ACCT XX/XX/XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX ACCT NO : XXXX Portfolio Address : XXXX XXXX XXXX, XXXX VA XXXX Date XXXX XXXX To whom it may concern : I have sent to the Creditor Portfolio and XXXX several letters asking for validation of this account on XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am, XX/XX/XXXX first class electronic tracking delivered on XXXX XXXX pm, and XX/XX/XXXX first class electronic tracking delivered on XX/XX/XXXX at XXXX am. 
Today is XX/XX/XXXX at XXXX almost 5 months later from when I first submitted, and I still haven't received a response back from Portfolio or XXXX XXXX I requested to be provided proof of the alleged debt specifically the contract, bearing my signature ( I am not requesting a statement for a statement is not considered as validation ) The FCRA says I should only have to wait 30 days for an investigation, and I feel 5 months is far beyond its statue of time. 
I feel that I shouldn't have to wait any longer to have my request granted. I am respectfully asking that this debt be removed from credit report asap especially since Portfolio purchased this account from XXXX XXXX XXXX  and I have given permission for my information to be sold to anyone Thank you and hope to hear from you soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10 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: IL

Complaint narrative:
I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted XXXX, XXXX and Experian via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.

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 2022-08-10 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation