vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was offered the following bonus : Heres the full scoop on how to earn your {$400.00} bonus : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. 

I signed up through the promotional link. I called before I opened the account to ask what a qualified direct deposit was and if a direct deposit from another bank basically from myself would qualify. I was told before I opened the account yes that would qualify. And I called again after both {$1000.00} or more direct deposit ACH 's were completely posted to see if I met all the requirements. Capitalone even told me on the phone yesterday they have the recorded calls and notes on my account confirming my story and agreement that I was told this would qualify 6 days before the 60 days of signing up the account had ended. Yet yesterday I was told I didn't qualify because the direct deposits had to be from an external source like the government or a company like an employer. To me they are liable to honor this promotion to me because its in writing and recorded audio that I had met all the requirements. If not then to me this was a scam to promote new customers to create a new bank account which I did. And then also got a credit card with them which I payoff monthly. They've earned so much from my activity and transactions yet I'm being denied the promotional offer even after doing all of the due diligence and confirming it with two different representatives of Capitalone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 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: VA

Complaint narrative:
Law were violated by XXXX XXXX  and transunion. laws written by congress that the bureaus have broken. it is not a belief on whether the law has been broken by each bureau ( tranunion, XXXX XXXX  ) it a matter of fact that they were. and i the consumer would like this ratified. it has caused me much distressed. 
Under 15 U.S. code 1681b : Permissible purpose of consumer reports.

( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

Also Under 15 U.S code 1681 ( a ) Accuracy and fairness of credit reporting.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for consumers right to privacy.

my rights have been violated, my privacy violated and i can not as a consumer of the U.S believe that this has happened to me and it is not right for them to have the thought that they are above the law which per the law they are not and i demand something be done about this and not only thing i demand that my rights be honored and not ignored. I the consumer gave transunion, XXXX or XXXX any written consent to report anything on my consumer report and i sure in heck did not give the right of my privacy to be invaded. Also when there is no consent by law that is identity theft. this is obscene. 
on date XX/XX/2021 letter were forwarded to transunion XXXX  and XXXX  stating the information above. per law 15 us code 1681n- Civil Liability for willful noncompliance ( a ) In General any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to the consume in an amount equal to sum of- ( 1 ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. 
With that each violation is $ XXXX.and i demand my compensation law for each and every violation made by transunion, XXXX and XXXX and i also demand a deletion

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 2021-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On XX/XX/XXXX Wells Fargo accessed my bank account and debited a second auto loan payment. The payment I authorized and submitted Had been completed on XX/XX/XXXX. This was a second and completely unauthorized transaction that Wells Fargo claims is a glitch in their stand they have no timeline on when it will be remedied. This affected thousands.

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : CHAPTER XXXX BANKRUPTCY-XXXX CHAPTER XXXX BANKRUPTCY-XXXX  CHAPTER XXXX BANKRUPTCYXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a letter to the bureaus about some items on my credit report on the 3rd week of XXXX that I don't recognize and I wanted to validate if they were mine. I haven't gotten a response from them after 30 days so I sent them more letters to give them a chance to get back to me and verify the information they put on my report or else they would have to delete it. I take my credit seriously and it has a huge impact on me and according to the FCRA their failure to respond to my disputes is a violation of my rights.

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 2021-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY

Complaint narrative:
On XXXX I received a letter from this collection agency in response to a debt validation letter I sent. This letter that I received from the collection agency had my personal medical records attached. I did not sign a HIPAA form authorizing this collection agency to access my medical records. This company is also reporting these items that violate HIPAA on my credit report and I truly feel distress. Please delete this information from my credit file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I received a letter in the mail that someone tried to obtain a PayPal credit card through synchrony bank on XX/XX/2021, I do believe this is the same criminal who has filed fraudulent charges in my name on different accounts as well as fraudulent unemployment, this person ( s ) is attempting to and has been opening accounts in my name. My credit of froze with fraud alerts and Ive filed police 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 2021-04-01 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:
There are Numerous accounts listed on my credit report that I currently have no Knowledge of. This was a result of mal practice or an error!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX paypal obtained my social security number without permission and will not remove it from their records when asked. They can, but, they won't. Why, I don't know. They're not a bank or financial institution. They are a payment service. They don't need my social security number by law. But, they are lying and say they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the following proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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:
In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I have a bankruptcy thats reporting to the 3 credit report agencys that lexisnexis is giving them false information on my report and I told them that this a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX XXXX XXXX ( Original CreditorXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.

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 2021-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: VA

Complaint narrative:
The lender paid my property taxes late, and this resulted in an overpayment to XXXX XXXX County, VA. By the time the lender had paid, the delinquent amount had been paid by my closing company for a refinance. The County confirmed they had sent two checks ( returning the funds sent by AFN/XXXX ) to AFN/XXXX on XXXX XXXX and XXXX XXXX for {$54.00} and {$5000.00} respectively. I have repeatedly contacted AFN since mid-XXXX, with the most recent attempt on XXXX XXXX XXXX. They refuse to refund the returned amount stating they do not have a record of receiving it. My account with them is closed ( effective XXXX XX/XX/XXXX when the settlement company paid the loan off for the re-fi ) since my re-fi is final ; and I have received the balance of my escrow ( minus the amounts above ). I have given AFN/XXXX  the check numbers ( # XXXX - {$5000.00} ; # XXXX {$54.00} ), the county returned along with the dates and amounts. AFN refuses to refund the {$5100.00}. 

Lender : American Financial Network XXXX XXXX XXXX XXXX, NJ XXXX Loan # XXXX Customer Service : XXXX https : //afncorp.loanadministration.com Homeowner and Property address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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 — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IL

Complaint narrative:
I Repeatedly Asked U.S.Bank To Validate Account With XXXX XXXX XXXX Made Pursuant To The FDCPA & The FCRA, With Any Documents, Bearing My Signature For Verification.The Credit Card Account Is Listed As Verified by Creditor, Without Any Viable Evidence With My Signature.

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 2021-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I already have a Chase Bank checking account. Within the last couple of weeks I have been trying to open a Chase Private Client account. On the Chase web page address as follows : account.chase.com/consumer/banking/chaseprivateclient there is an offer posted soliciting a {$2000.00} bonus if a client upgrades his account to the Chase Private Cllient program by XX/XX/21. I am able to meet all the required prerequisites to qualify for the account. The web page asks me to submit my email address so that Chase can generate a code number so that when I go to my Chase branch they will use the code to open the account and make sure that I receive the bonus. However, I have tried innumerable times to accomplish this and never have I received an email with a code number. I have spent hours on the phone and in person with Chase representatives and no one has been able to resolve the issue nor will anyone at that institution do what is necessary to allow me to deposit the finds required and receive the offered bonus. ( I note that the web page appears to be a bona fide Chase web page as there is a prompt which will directly connect me to my personal checking account at Chase. ) A woman by the name of XXXX from the Chase executive offices did call me but she has never called me back as promised nor has she returned my messages to her. I am baffled that what appears to be a legitimate offer on a Chase web page is not honored by this institution.

Company response to consumer: Closed with explanation