vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-23 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I was charged fraudulently by a XXXX XXXX to XXXX  XXXX XXXX for {$2000.00}. I have never used XXXX XXXX before and did not know it existed until someone tried charging my account with it on my Wells Fargo checking account. I only had {$360.00} in the account and the rest got charged to my credit card with overdraft protection. Thankfully my account had a credit limit of {$3000.00} because when I called the fraud department on the XXXX when I realized what had happened they had told me they tried to charge two additional XXXX XXXX money transfers to Bank XXXX XXXX of {$990.00}. 

I have called Wells Fargo 's fraud department twice since then. The first time I called the claims department person told me my computer or phone was compromised and to wipe everything off of both it which I did. Apparently for no reason now. a week from that they told me that I don't have enough evidence to prove the fraud claim. I have no idea how my account could have been compromised outside of a phishing email I had problems with that previous month in the middle of XXXX ( I don't remember the exact date, but I got a new credit card the moment I exited the phishing scam and realized what had just happened ). 

I did everything they told me to do regarding my account when the phishing scheme happened ( which only compromised my XXXX account which had the same email I use for my bank. They didn't think it necessary to change my email ) and thought it was taken care of, but it clearly was not. I have since changed every possible piece of personal info on my account that can be changed ( username, password, email, etc. ) and have added text notifications to my phone for anytime any charge on my account happens so I can be swifter about problems in the future, and I have added 2-step verification to my account as well to ensure no one outside of myself can use my account. 

I'm hopeful that by doing this I will have this nightmare taken care of for me, but just in case it doesn't I have also filed a police report on the matter.

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 2022-05-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

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 2022-05-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX has violated my rights. 

-15 U.S.C 1681 section 602 A. States that I have a right to privacy. - 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written permission. - 15 U.S.C 1692C : There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I still have not received my money from CitiBank. They have no right to keep my money after closing account. In response to Citi Bank 's promotional offer, I opened a checking account online on XX/XX/2022. During the application process, Citi Bank prompted me to fund the account with New-to-Citibank funds to qualify for one of the New to Citi Checking Cash Bonus Offer. To qualify for the {$700.00} cash bonus, and through an ACH transfer, I funded my new Citi checking account with the required deposit amount of {$50000.00}. The money was transferred within less than 24 hours from my XXXX XXXX account. A day later, on XX/XX/2022, I was locked out of my Citi Bank online access/mobile application. After contacting Citi 's customer service, I was told the new checking account will be closed and a check for the {$50000.00} will be issued within 60 days. Citi Bank promotional offer requires new account to keep the deposit amount for 60 days to qualify for the cash bonus but now that the new account is closed, Citi will keep the deposit of {$50000.00} for 60 days but without me receiving the cash bonus of {$700.00}. This is a classic bait-and-switch scam. To resolve this matter, I would like the check of {$50000.00} to be issued ASAP. They have no right to keep my money for 60 days since they will be closing my new checking account. If the check ends up being issued after 60 days, I expect another check for {$700.00} as the cash bonus promised.

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 2022-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Ohio XXXX XXXX address : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ohio XXXX Dear Consumer Protection Agency/Federal Trade XXXX XXXX. 
Please do something about credit card companies bleeding consumers like me and God knows who else dry?

Heres the issue. 
Below is a copy of my bill whereas it shows that capital one is constantly waiting on me to make a payment on time then after I make my payment on time, Capital one takes and bills me interest whereas it is purposely automatically overcharging my credit card acct. to make it look like I the consumer has ran my credit card over the limit when in true fact I have not ran my credit card over the limit. 
I have continuously been paying on my credit cards to purposely keep from my credit cards going over the limit. Its the credit card company overdrawing my credit card not me! Now when I was able to make high payment credit card steady payments, I saw no interest. However, in these hard trying times of inflation, gas prices and food cost up like crazy. I am asking your agency to contact capital One to make this illegally act of interest that capital one is doing STOP! 
Capital one in no way is trying to help its consumers just bankrupt them with unnecessary applying unfair interest on credit card acct. that are up in balances to where you the consumer can not get your credit card balances down and or paid off. I am asking your agency to at least contact Capital One asking that credit card interest be waved for 90 days which grant the consumer time to get credit card payments down if not down PAID OFF!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number # capital one has violated my rights. 

15 USC 1681 section 602 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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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.

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 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent XXXX XXXX  a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent XXXX XXXX a certified letter on XX/XX/2022 informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/2022 at XXXX. As of today XX/XX/2022 XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 
Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and XXXX is allowing this to stay on here. I am submitting this complaint as a record to show that XXXX XXXX and XXXX are not following the FCRA in the event I have to take further legal action. I expect this account to be deleted of my credit report IMMEDIATELY when XXXX and XXXX receives this complaint. It has been over XXXX since XXXX XXXX have received my letter. Also XXXX has added the Fraud alert to my file but still has NOT deleted the fraudulent activity that was reported. I will be attaching my police report and a few other documents with this complaint. Also I will be forwarding this complaint to the other Bureaus so they also can be on alert for this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
my mortgage loan was with rounpoint mortgage servicing corporation, which was fully paid by refinance with XXXX XXXX XXXX XXXX on XX/XX/2022. 
Roundpoint mortgage bank has debited {$2300.00} for installment for XXXX 2022. which account ( loan number XXXX ) has been fully paid and closed. 

since last three months i am try to contact the Roundpoint bank they comes direct answering machine, they track my cell number and SS number it is directly goes to answering machine. i have send emial to XXXX on XXXX XXXX 2022 and XXXX XX/XX/ 2022, my loan has been fully paid in XX/XX/2022 they are holding my money {$2300.00}, and worse part is nobody come on phone not reply email. please help me get my money back.

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 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank USA NA, clarify that you complied with federal laws and provided me, XXXX XXXX, obligor, the appropriate forms according to 15 U.S. Code 1635 ( a ) - Right of rescission as to certain transactions which states The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Show me proof that you complied with the law within documentation. Read 15 U.S. Code 1635 ( c ) if you need more clarity. Capital One Bank you are required to do so by Federal law, now prove you have complied with the law. Thanks and best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: CA

Complaint narrative:
ln accordance with the Fair Credit Reporting act. The Accounts listed below XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ) AND XXXX XXXX XXXX XXXX XXXX NUMBER : XXXX ) have 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. States : It also states a consumer reporting agency can not furnish an 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 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX has violated my rights. 

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

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 2022-05-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX XXXX ) has violated my rights. 

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.

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 2022-05-23 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: GA

Complaint narrative:
Three fraudulent charges of {$780.00} each were made for digital purchases from Best Buy and put on my Citibank Visa credit card. I did not make these purchases! I have been working with many phone calls and letters to both Best Buy and Citibank about these purchases that were made in XX/XX/XXXX and I am getting no help from either company. I have paid the credit card for the purchases because they said they can not get a refund from Best Buy. Best Buy has stated that because they were gift cards purchased digitally and already been used that they could not refund my credit card the money. It is so obvious that these are fraudulent when you look at the information they sent out. My disputes were filed with both Best Buy and Citibank in XX/XX/XXXX. During all this time, Citibank credited my account and then reversed, therefore debiting my account, on three different occasions. The case ID number with Best Buy is XXXX. I have never in my life been sent from one company to the other, both saying not their problem! Now I am asking for your help. I have a second outstanding complaint and dispute with Citibank and Best Buy which involves a debit and a credit. Best Buy tried to credit a purchase amount to clear it out but they shorted me by {$100.00}. I have not been able to get this handled either and have also paid Citibank for this amount! 
Thanks 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