vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Seeing a fraudulent and inaccurate inquiry on my Experian personal credit report made me have painful headaches. I then submitted a CFPB compliant ( XXXX ) ( Exhibit A ) on XX/XX/XXXX about a fraudulent and inaccurate inquiry on my Experian personal credit report. On XX/XX/XXXX, Experian responded ( Exhibit B & C ) to me stating that they will be removing/deleting the fourth inquiry on my identity report ( Exhibit A ( 1 ) ) which is XXXX - XX/XX/XXXX. The removal/deletion of that fraudulent, inaccurate, and unauthorized inquiry is their admittance to violating me pursuant to the Fair Credit Reporting Agency . I am owed {$1000.00} for that violation and I want Experian to send me what I owed by XX/XX/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 2022-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by XXXX XXXX on XXXX XXXX, XXXX, XXXX. XXXX XXXX, and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

The second inquiry was made by XXXX XXXX XXXX. I do not remember working with this company, but I do remember working with XXXX XXXX ; XXXX they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from XXXX XXXX XXXXXXXX and XXXX. Based on my research, I believe only XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX  should be the only inquires showing on my report. Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This account was linked to my XXXX XXXX XXXX, XXXX CA. 
I called XXXX a while back and closed the account when I moved out of the home. 
XXXX had my wrong email address, which they admitted to and they failed to update my forwarding address. 

The collection company failed to send me notice of adverse reporting. I recently got new service with XXXX, who only then told me an additional account was in collection and gave me the collection companys number, I immediately tried calling the collection company who told me that they couldnt find my account in their system and that I had to wait a month. 

Unfortunately after that time the account was already reported to my credit report. And now the collection company states they wont remove the account from my credit report. 

This has destroyed my perfect credit score and Im unable to finance properties for my real estate business.

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 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On or about XX/XX/2021 I deposited around {$620.00} at my Bank of America ( see address below ). The ATM accepted and showed the deposit amount onscreen. I deposited {$2300.00} after that, I did 2 deposits since I had a lot of cash. I looked at my statement online the next day to confirm both transactions and the {$2300.00} amount was present but the {$620.00} wasn't. I called and talked with an associate to open an investigation, the investigation results came back a few weeks later in favor of the bank, I spoke to banking manager XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX branch, she took my case with enthusiasm and I was hopeful and then in early XXXX that investigation came back with no evidence of my deposit. I am certain I made the deposit and unfortunately the same thing happened a month later in the amount of {$400.00} that was thankfully returned to me, but as for the {$620.00}, they said they checked the machine and the cameras and have no evidence to go by save for heresay, I failed to grab a receipt or take a picture, I didn't have the presence of mind that something like this could happen, but after several investigations they refused to give me back the {$620.00}. I have written to the CEO of BofA twice and each time XXXX from XXXX XXXX replies and leaves a number that which when I call, there is no such person at that number.

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 2022-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The inquiry in question was apparently made by CAPITAL ONE BANK USA XXXX XXXX XXXX, XX/XX/2021, XXXX. XXXXXXXX XXXX, and I have no recollection of doing any business with CAPITAL ONE BANK USA. I contacted CAPITAL ONE BANK USA, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is principally made in order to provide additional documents to the matter of CFPB complaint XXXX regarding Capital One 's charging of late fees on a closed account. 

The attachment includes all statements from XXXX through XXXX, showing the additional late charges and interest charged on a CLOSED account. 

It appears Capital One stopped charging late fees after I complained to the CFPB. 

In a phone call today, XX/XX/2022, I called the PRIVACY phone number ( XXXX ) XXXX to opt out of personal information sharing to affiliates regarding my creditworthiness and affiliates and nonaffiliates to market to me. 

That number had a recording that the purpose of the call was collection of a debt. The representative identified herself as a general customer service agent. As I told her, I called the direct privacy phone number, not the general toll-free customer service phone number, ( XXXX ) XXXX. She said she needed to forward me to the privacy representative. That representative would not accept my election even after I identified the three types of information I am allowed pursuant to federal law to opt out. He said he needed to transfer me to a supervisor. This conduct is not consistent with the regulations regarding privacy opt out. It is required not to be on the general toll free number and has nothing to do with debt collection. The account is closed. Capital One, if it insists may take me to court based on the balance at the time of account closure. I simply want to opt out of Capital One sharing my personal information as allowed by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
my mortgage company keeps overcharging me for taxes and insurance and they have added an extra charge for a past due amount when there is none. 
for XX/XX/2021 bill taxes and insurance is a total of {$150.00}, based on the city tax bill and my insurance premium but they charge me {$270.00} plus a past due amount of {$15.00} and payment was made on the XXXX. 

they have charged me for a year and I cant seem to get an explanation as to why. for the past 12 months, I have been charged {$1500.00} without a logical explanation. 

I have 2 loans with them and it's the same thing twice. 

this can't be legal.

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 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/2021 i loaded {$500.00} on to my Chime Account card. The only money I had TO MY NAME. I used it at a XXXX XXXX XXXX XXXX and XXXX XXXX for breakfast. Later that afternoon on XX/XX/2021, I went to a local bank and tried to use the ATM. After trying to use the ATM, I received an email from CHIME stating they closed my account. They took WHAT I HAD TO MY NAME and what I had left after XXXX. Now how am I supposed to get my kids what they need??? I have tried to call them and when I do, it says they recognize the phone number and my account is closed. I have tried to send MULTIPLE emails and have had NO RESPONSE to their 24/7 customer service statement. I have advised them I would send proof of identity and still no reply. I have also advised them if they do not handle this matter, I will contact my attorney. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, transition, and XXXX with no change. I would appreciate if these late payments are deleted from 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 non-monetary relief
Consumer complaint received 2022-01-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, XXXX, and Equifax with no change. I would appreciate if these late payments are deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: OH

Complaint narrative:
Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with Experian, XXXX, and XXXX with no change. I would appreciate if these late payments are deleted from 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 non-monetary relief
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Last XXXX, I opened a Synchrony XXXX XXXX, which offered a sign-on bonus of {$100.00} if you charged {$1000.00} on the card in the first three months. I met the {$1000.00} requirement within two months. 

Subsequently, I made about a half-dozen calls to Synchrony because I did not receive my bonus. In each case, I was told to wait for the bonus. Today ( XX/XX/22 ), I called again and was told to wait two more billing cycles. I gave up and closed the account. 

I can not help thinking that the way they handled the bonus could be part of a business model. I did exactly what they wanted. I grew tired of complaining and gave up.

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 2022-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank migrated their online system to a new platform and required re-registration. Upon re-registering I no longer have access to my mortgage account. I tried to pay it yesterday on the first of the month and was not able. I then tried calling today twice. The first time I was on hold for over XXXX minutes and then after briefly speaking with a representative, they hung up on me. I then called back and the same thing happened after XXXX minutes of waiting for a person, they hung up on me. Since I am electronic with them, I do not receive paper statements. They are not accessible by telephone. So I will have to take off from work and go to a branch to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois,XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( JPMCB XXXX Services, Credit Card, Chase Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required XXXX window. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Chime Financial Inc
State: IL

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Dear Sir/Maam I am writing to dispute the following information in my file : ( XXXX Bank, Secured Credit Card XXXX XXXX Bank ) You will also find this item circled on the attached credit report. The item I have identified is inaccurate because I have no recollection of doing business with either accounts. It has already been 30 days since I filed this complaint with the Fair Credit Act & I havent heard anything back. 
I am requesting that these items be deleted in order to adequately reflect my true credit history on the attached report. 
I have attached all necessary supporting documentation to support my claim. 
I am asking you to reexamine this item and remove it from my file at your earliest convenience. I sent this letter via certified mail to ensure this matter is resolved within the required 30-day window. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
USAA has inaccurate timeframes displayed when attempting to pay a bill. If you try to use the timeframe displayed an error is received on the following screen that states, " This group of payments could not be scheduled due to error ( s ) shown below. To correct the error ( s ) return to the Pay Bills page.Payments with Errors. '' Then it displays, " NOTICE : Payments to this biller need to be sent by check, which requires more time. Please submit a new payment and choose an arrival date that is on or after XX/XX/2022. ( XXXX ) '' I have reported this issue to USAA Customer Service, USAA Chat, XXXX XXXX and XXXX in the Office of the President, Technical Support, and @ USAA_Help on XXXX. USAA has provided no meaningful response and/or action. I have not had a single bill payment arrive to a biller on time since using this account. Please hold USAA accountable for perpetuating this fraud and unnecessary expense due to late arrival of payments on customers. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02 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: NY

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear XXXX  XXXX or To whom it may concern : I'm disputing today because my credit was sold to a credit bureau without my permission. I took a look at my credit report and it says the amount was not paid in full. We came to an agreement and I paid the full amount. A few of my consumer laws have been violated and I demand an investigation of the validity of my account and I need documentation proof that the Debt is assigned to me. You guys violated my rights of 15 U.S. Code 1681. TILA, FDCPA, and SERA. If documentation can not be provided I request removal of the account from my credit report, if you can not provide documentation in the allotted time. 
Thank you for your time. 

( *it has now been more than 30 days an no answer )

Company response to consumer: Closed with explanation