vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america, This is a continue with complaints XXXX : On XXXX. XXXX, I went to a branch of bank of america to check if the fraud claim has any update. They said they already send the money back to my account, but the account is still blocked, they ask me to opened a new account and transfered all the money from the previous account to the new one. With the help of a banker there, I opened a new account and transfered all the money from the previous account. Because the last fraud may be related to my phone number, so I changed to a new phone number, and the new account was profiled with the new phone number, and also new email. The banker also asked me what is my primery contact method. I said email, the new updated email. 
On XXXX, XXXX, XXXX, I received a email with the old email, said my alternate contact phone number has changed to the old one. Then, aonther email said XXXX is ready to use with the old phone number and my new account. Then I tried to reset the password and that moment and logged into the account to delete the reciptant, but the transection still happend. {$3000.00}, again. 
Then I called the bank and they said they can not identify me, I have to go to their branch. 
I can not believe that this happend twice in two weeks. I need the money back, and I need to know how did this happend. Also I need to know if there is any way to block XXXX  transaction. It is very unsafe.

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 2023-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law I have ask numerous times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-10 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: GA

Complaint narrative:
on XX/XX/2021 & XX/XX/2021 Someone fraudulently tried to purchase a vehicle with my information, I have already contacted all these of these company 's and they have said it is not there problem, and I need to take it up with the Credit Bureaus. I have tried writing letters to you guys and even spoke with the fraud department but still have these fraudulent inquires on my credit file. These inquires listed below are fraudulent and were not authorized by me and or tied to any open accounts on my credit report. 

Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 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 2023-04-10 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: TX

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 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 2023-04-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/22 I booked a XXXX ( lodging ) for a non-smoking room using my Capital One credit card. The initial charge was for {$1200.00} ( XXXX Booking XXXX XXXXXXXX ). When I arrived I discovered that the host only had smoking lodging, which was not what we booked/paid for. I did not stay due to health concerns and it not being what we contractually agreed on. The host was supposed to refund us fully but only processed a partial refund. 

I disputed the remaining amount of {$460.00} with Capital One due to this being a billing error by definition of the fair credit billing act re : goods not received as agreed on. XXXX communicated that this was a late cancellation ( it wasn't -- never cancelled, my lodging didn't exist ). Capital One denied my initial claim because " I already received a refund. '' They conducted no due diligence to find out it was only partially refunded and that I did not cancel anything. 

I continued to follow their procedures to dispute the charge with no success. Capital One, in another response, stated that I didn't provide requested information but when looking through their official correspondence there is no such request. I am now told I have tried to dispute it too many times and they will not investigate further. 

I followed all proper methods of disputing a charge for something I did not receive but Capital One refuses to assist. Capital One should refund the remaining amount of {$460.00} for goods not received pursuant to the Fair Credit Billing Act 's definition and requirements regarding billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I took advantage of a 0 % interest offer for 12 months from Barclays XXXX XXXX credit card with a 3 % fee for the balance transfer. I transferred {$12000.00} dollars to the Barclays card on XX/XX/2022 understanding that there would be a {$360.00} fee for the transfer. 

My rationale for this balance transfer was to put money on a 0 % interest compared to the 11 % interest I was paying. My intent was to pay this 0 % transfer off within the XXXX year allowed at 0 %. 

My first statement came in the mail from Barclays and it included interest charges in addition to the transfer fee. I called Barclays and they required me to write a letter to their Card Services explaining my situation. I wrote them got a letter from Barclays dated XX/XX/2022 denying my request for no interest. I called them a few more times after this date, again with no success. 

I paid Barclays {$12000.00} on XX/XX/2022. I informed them that I do not owe any interest or late fees, and that they would not get another dime from me. I paid what I owed way sooner than I ever intended because of their overcharging. 

I made a few more phone calls, and Barclays made me an offer to pay this card off at a reduced rate. All the charges that they accumulated we interest charges and late fees. I do not owe them a dime. 

My credit score has dropped significantly because of Barclays actions and they keep adding interest and late fees every month to a fabrication of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there are fraudulent information on my credit report : Experian Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XX/XX/XXXX I bought a XXXX XXXX XXXX at XXXX Car Sales XXXX XXXX, they gave me a bill of sale and a license plate and temporary registration with an expiration date of XX/XX/XXXX. The financial company was originally XXXX XXXX XXXX and then it became Westlake Financial company, when the registration expired I called the Dealer to get my final registration and the Dealer had closed, I called Westlake Financial to send me the documents to register the car and the Financial does not have the documents either. On XX/XX/XXXX the police arrested me and took my car away, the Westlake Financial can not claim the car because it does not have the documents and the lien in the title. I don't have the car, I don't have the documents and I have a debt with the financial company. 
Westlake Financial should not have approved the loan of a car that did not have the title and now want to collect the monthly loan from a vehicle that we do not have

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 2023-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
I got an email today. From persolve legal group about a debt from XXXX XXXX XXXXXXXX. I do not owe XXXX XXXX XXXXXXXX any money. I have a FTC report and police report my identity been stolen. I request company to send me application so I can file this to police report. I am requesting this case to be dropped and not be put on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They continually harass me at work and home and have never provided me proof of debt or where I signed up for it. They have not provided account numbers or anything else required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10 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: FL

Complaint narrative:
I have been advised by IRS that identity theft had occurred using my social and personal information.

I demand all 3 CRA 's to block and remove items listed according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, I have filed a Policy Identity Report as well as FTC Report, I have already spent an insurmountable amount of time and money attempting to get my Consumer Reporting in accurate status. Please delete and remove the above.

Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pls Remove Inquiries 15 U.S. Code 1602 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX Inquiries Made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , as well as all inquiries listed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month

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 2023-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: CA

Complaint narrative:
XXXX keeps reporting inaccurate information on my account every single month, it is supposed to be a charged off account yet the balances keep changing keep increasing decreasing and is signficatanly hurting my score with the inaccurate information and reporting of a closed account every month

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 2023-04-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received both a phone message and email from my credit card company ( Union Bank of California ) about some potential unauthorized charges on my credit card account. I then found that my credit card was missing so I contacted my credit card company on XX/XX/XXXX to report that indeed, there are many unauthorized charges on my account. The card was then closed and a new card issued to me. The credit card company also removed all the unauthorized charges. 

Then, the same fraudulent charges that appeared on XX/XX/XXXX ~ XXXX reappeared on my account on XXXX of XXXX. I then called the credit card company on XX/XX/XXXXXXXX  and re-reported this issue. I called back again on XX/XX/XXXX to check on the status. I was told that the results of their investigation deemed all charges to have been authorized and that the case was now closed. 

All of the fraudulent charges appear to have been made in the XXXX XXXX area after a single authorized purchase during a day trip to XXXX XXXX from our residence in XXXX XXXX. 

The last authorized charge made before fraudulent purchases were made = XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXX for the amount of {$26.00} The 11 unauthorized charges that occurred between XX/XX/XXXX and XX/XX/XXXX after the final authorized purchase listed above = XX/XX/XXXX at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$220.00} XX/XX/XXXXXXXX  at XXXX XXXXXXXX by XXXX for the amount of {$5.00} XX/XX/XXXXXXXX  at XXXX # XXXX XXXX  for the amount of {$80.00} XX/XX/XXXX at XXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX for the amount of {$160.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  # XXXX for the amount of {$220.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX for the amount of {$220.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00} XX/XX/XXXX at XXXX XXXX XXXX XXXX for the amount of {$10.00}

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 monetary relief
Consumer complaint received 2023-04-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/XXXXXXXX  I paid {$310.00} to XXXX XXXX for a festival and camping ticket to the XXXX XXXX XXXX XXXX XXXX using my Capital One credit card, which as supposed to be held XXXX XXXX XXXX. On XX/XX/XXXX, the organizers of this festival ( XXXX XXXX  ) " postponed the festival to XXXX and changed the location from South Carolina to Ohio, promising a refund upon request. I requested a refund, and the last communication I received from XXXX XXXX  was from XXXX XXXX on XX/XX/XXXX, promising a refund soon. I have not received this refund as of XX/XX/XXXX. I can not attend the festival in XXXX  and do not want tickets to this event. I paid for the event that was supposed to happen in XX/XX/XXXX, and because this event did not happen ( cancelled by the organizer, XXXX XXXX ), I would like a full refund. It's as simple as that. I paid for a service. I did not receive that service. I am still out {$310.00} over 6 months later with no updates in 4 months. I have records of all of this. 

When I called Capital One, they refused to charge back my card until I had spoken to the merchant to try to resolve my issue. Once the merchant did not resolve my issue, I sent all my documents to Capital One, who refused to charge back the illegitimate charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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