vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I sent CapitalOne a letter informing the company of a billing error. I asked them to provide all documentary evidence on the public and private side according to the stipulations of the Generally Accepted Accounting Principles ( GAAP ), along with other instructions. I also asked that the account be treated as being in dispute. They then closed the account. The account should be in dispute. The account shall not be closed while it is in dispute for a billing error according to 12 CFR 1026.13

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Well my credit card was charged XXXX to XXXX charges I didn't do when I get XXXXntouch with my bank TD BANK and file a dispute charged they deny my claim and told me XXXX say I made that purchase I have been in dialog with XXXX and TD BANK from XX/XX/2023 TD BANK keep telling me to call XXXX which I did every day I spoke to Manger at XXXX his name is XXXX he guarantee me the money would return to my card nothing and it didn't I am tired and frustrated I even produced a police report and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo a habitual violator of charging erroneous over draft fees although funds were deposited or refunds issued. On XXXX a charge for {$21.00} from XXXX was processed on my account leaving my account balance at {$53.00}. Then on XXXX a refund was issued from XXXX for {$21.00}, a purchase {$27.00}, {$10.00}, and {$21.00} which would leave my balance to be {$16.00} but no Wells Fargo charged my account {$35.00} overdraft fee when my email from them says if the funds are deposited by midnight the fee will not be assessed and per their terms deposits are done first. Yet I was still charged I did call in on today XXXX and they credited the fee but the issue is it should never have been charged and if my account was over drawn why is the balance XXXX? $ XXXX $ XXXX $ XXXX because you charged the fee after the credit posted. Illegal and unlawful business practices and an exam needs to be opened against Wells Fargo AGAIN

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
During the initial application the Agent NMLS # XXXX told me that the HELOC Loan would be for XXXX, I only asked for XXXX on my home valued at XXXX I told agent that we were paying off the HELOC on primary residence as well as the second home clearing all debt to the XXXX XXXX Home where my son lives. 

Agent seemed to be rushing the entire process ; I can only imagine to get her application numbers up ( Metrics ) I worked in financial industry before becoming XXXX so I knew something was amiss. 

When I got the paperwork the HELOC was for only XXXX and when I called I was told my DTI was too high ; it's at 37 % after I pay off both HELOCs, why I am doing this to lower my DTI as it affects my credit scores ( Currently above XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX has requested that his credit profile be updated, as it has not been fully updated according to the information from XXXX. It is imperative that his profile is accurately and clearly updated in accordance with the Fair Debt Collection Practice Act, which states that consumer agencies must have precise and relevant information. Every credit profile should be consistently updated based on the information provided by each company, ensuring that all information is corresponding and accurate. It is crucial that this update is done in a professional and courteous manner, reflecting a similar tone of voice to maintain the integrity of XXXX XXXX XXXX credit profile. 

remove accounts 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The card is paid in full on statement and they are reporting a balance incorrectly illegally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The card is paid in full on statement and they are reporting a balance incorrectly illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To whom it may concern, I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant XXXX XXXX data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the 2020 CRRG, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations. 


Additionally, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank has been working on this for over a 1 year 3 months still have not received my replacement credit card!??? WHAT IS THE PROBLEM??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/year>, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXX XXXX  : -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My phone was stolen from me and funds were taken from my account using the Chase Mobile app. With Chase 's Zero Liability Protection it mentions I wont be held responsible for unauthorized charges made with my card or account information. When I saw funds were taken from my account I reported it to Chase. 

The claim was denied saying it was an authorized transaction. I then submitted my police report describing the situation, explaining that I did not make this charge. After this, they are saying they still can not reimburse me for the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
The account in question is with Capital One ( Walmart ). 

I had a balance of {$4800.00}, on my Capital One Visa. I made a payment, paying off the total amount of {$4800.00}, on XXXX XXXX XXXX. It was also posted to the account on XXXX XXXX XXXX. It posted as having come out of my XXXX checking account on XXXX XXXX XXXX. Today, XXXX XXXX XXXX, I attempted to use the card to make ax purchase and it was declined. The balance on my card was correct, but the available credit is stating {$32.00}. According to this information it was as if no payment had been made at all. 

I phone Capital One customer service. The first representative told me that my payment was " too large '' so they put it on hold and won't release it for 7 days. The payment was made via direct banking from the bank account. I work in online payments and I know that it only takes 24 hours for those types of payments. So Capital One thinks it can sit on our money for 6 extra days and draw interest while the funds are inaccessible to us? 

The representative sent me to an Account Specialist. The AS was impossible to understand. She couldn't even understand the basic account math I provided to her. Eventually she began asking me for my Social Security Number. I explained to her that I would provide her with my last 4 digits, but that she should already have that in information. Keep in mind that I already proven my identity several times at this point. I asked for the next level of support. 

After 40 minutes she finally transferred me to the Security and Fraud Department. This was more of the same, but at least this gentleman was easier to understand. In the end I never got the help that I needed. I guess they just figure that nearly {$5000.00} is gone from my XXXX Checking Account, but that's not really their problem. 

How can they just take {$5000.00} and have no more accountability than this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Complaint Regarding Failure to Respond to Debt Validation Letter Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services for their failure to respond to my debt validation letter dated XX/XX/year>. Despite the passage of ample time, I have not received any communication or verification of the debt from Resurgent Capital Services. 

The debt validation letter was sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, Resurgent Capital Services has neglected their legal obligation to respond within the stipulated timeframe. 

The debt in question is listed on my credit report as follows : Creditor Name : LVNV FUNDING LLC Account Number : # XXXX XXXX Resurgent Capital Services ' failure to comply with my request for debt validation, I am left with no choice but to pursue legal action. As per the FCRA, I am entitled to seek damages of {$1000.00} for each violation. Therefore, I am considering taking legal action against Resurgent Capital Services for their non-compliance. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Resurgent Capital Services for their failure to respond to my debt validation request. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently request the removal of this inaccurate late payment from my account. I've always made payments on time, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN IS ILLEGALLY REPORTING DEBT WITH NO PROOF OF DEBT VERIFICATION WITH ORIGINAL CONTRACT WITH MY WET INK SIGNATURE EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract. 
Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. 
IF YOUR COMPANY ATTEMPTS TO CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. 


Sincerely, 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