vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/23 XXXX PT - Received credit report alert from XXXX and XXXX that Capital One ran a credit check on me XX/XX/23 XXXX PT - Called Capital One to investigate and they confirmed a credit card application was received that morning ( XX/XX/23 ). They cancelled the application immediately. 

After submitting this complaint, I will be reaching out to XXXX, XXXX and XXXX to apply for an extended fraud alert, as well as filing a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting the wrong addresses on my file. I have never lived at XXXX XXXX XXXX in South Carolina. I HAVE NEVER lived iN South Carolina at all. I have only 2 addresses in the last 30 years. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX in XXXXXXXX XXXX. They are also still reporting the XXXX account but they changed it as " closed ''. this was a fraudulent account that I have filed a police report for and reported to the FTC.

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 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I had a pending charge from an online transaction that I didn't order. The amount was overcharged and it lowered my funds. But never over drafted my account. The transaction was always in pending. However my bank First Citizens Bank charged me an overdraft. Finally the pending charge just fell off. I tried to go to my local branch and was treated rudely by someone who I assume was some middle management. She said it wasn't their fault and she would have to see. A couple days have now passed and the funds have not been restored. It was bordering on fraud from both the company who tried to charge me and the bank who did charge me an overdraft that was never in the negative. And they will not refund it. This is the first time I noticed this action. And I wonder if it had happened before. I suspect yes. I should have been taking better notice. Also since I have been charged theNSF fees before they now hold my check stating that is for my benefit to be sure that my employers check clears. Which is hogwash. Its just a way to punish me for being poor. And I told them that. They are hardly ever friendly when I try to explain my issues with them. I have never had a bank treat me this poorly. They never take responsibility nor do they seem to care. And most likely I will be terminating this account sooner than later. I just ran across this link while looking for new banks so I thought I would send the information to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I deposited {$2800.00} on XX/XX/XXXX in my Capitol One checking account which promised funds would be available within one business day, or XX/XX/XXXX. Instead the bank put a hold on the funds until XX/XX/XXXX. Capitol One prides itself on being a digitized bank, which means in practices that humans at the bank have no authority over the algorithms. 

After 5.5 hours on the phone on XX/XX/XXXX, I found a human who grumpily said she would lift the hold after I threatened to contact you. But in fact the funds are still blocked. I can not send funds through XXXX and the XXXX XXXX says I am disqualified with no recourse. They will not even let me send a cashiers check. 

Twice before, the algorithms of big companies have tagged me as a criminal because i changed my name in XXXX, as part of a XXXX XXXX. 

In the case of XXXX XXXX, it took XXXX XXXX 's intervention to stop them dragging out a credit application for 6 months and to abjectly apologize. With XXXX, the XXXX MA XXXX XXXX XXXX arranged a {$5000.00} settlement for XXXX XXXX in hiring. 

XXXX discrimination is still that even when you hide behind algorithms which equate XXXX people with criminals. I am not trying to rob anyone, least of all myself. I just want my money. 

If you can find someone at Capitol One who can override their algorithms, please do. I can not. I intend to bring this also to the Massachusetts XXXX XXXX XXXX and XXXX XXXX. I am probably not the only person being picked on this way. 

I am XXXX and living in XXXX XXXX if that makes me more sympathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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, 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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, 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 explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Advance America, Cash Advance Centers, Inc.
State: KS

Complaint narrative:
I was called today by Advance America and informed that my payment had not gone through on the XXXX, the date it was scheduled to be withdrawn from my checking account, and that I needed to pay that today. It was only after I asked as to why it had not gone through that I was told of a network outage at Advance America on the date it was to be processed that caused the payments to not go through. I told them I would need to check my bank account and get back to them. I checked my bank account and there was a withdrawal, for the full payment amount, by Advance America on the XXXX. When I called back I was told and explained that, I was then informed that the treasury had begun recognizing the payments from the dates of the network outage and that they would soon be able to see if the payment had gone through or not. 

I verified several times with them that they had called me informing me my payment had not gone through, when they in fact had no idea if it had processed or not, and informed me that the payment had not gone through, and that I needed to pay my bill today. At no point before I asked was I told that there had been a network outage and that they did not know if the payment had processed or not until I began to ask questions. Just simply that my payment had not gone through ( when it had ) and that I needed to pay today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Collection Service
State: PA

Complaint narrative:
We notified the gym owner we would be ending our gym membership at the end of the month, we were on a month to month plan with no contract. Upon letting the gym owner know he became very irritated and would just leave in the middle of us talking to him. At the end of the month we had repeatedly told him not to charge us anymore, and that we were not returning. 

He then reached out to a collections company where XXXX XXXX another phony alias would call and harass us 30 times a day. He threatened us verbally as well.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute the alleged debts that have been reported on my credit report by Lending XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX. I am aware that my credit score has been negatively impacted by these accounts, and I believe that these accounts have been reported inaccurately and have violated several laws. 

Firstly, I believe that XXXX XXXX XXXX 's account number XXXX has been charged off unfairly, and their account number XXXX has also been charged off unfairly. These actions violate the FCRA and FDCPA, as I have not been provided with any notice or explanation for the charge-off, nor have I received any communication regarding the settlement of the debt. 

Furthermore, I believe that XXXX 's account number XXXX has been charged off unfairly, which violates the FCRA and FACTA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under FACTA. 

Additionally, I believe that XXXXXXXX XXXX XXXXXXXX XXXX account has been charged off unfairly, and this violates the FCRA and TILA. I have not received any notice or explanation regarding the charge-off, nor have I been provided with the required disclosures under TILA. 

Finally, I believe that XXXX XXXX  's account number XXXX has been reported inaccurately as a collection account, which violates the FCRA and RESPA. I have not received any notice or explanation regarding the collection account, nor have I been provided with the required disclosures under RESPA. 

Therefore, I demand that these creditors take immediate action to correct the inaccuracies in their reporting and provide me with the necessary disclosures and notifications as required by law. If they fail to comply with my demands, I will have no choice but to take legal action to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX. 

CBNA Said they will investigate the matter but never gave me an update. I would like to know a decision!

My credit score was fixed when they added remark code : dispute account information/ close by consumer My credit score dropped 50+ points yesterday when the changed the remark code to dispute resolved, consumer disagrees/ close by consumer The Dispute is not resolved

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 2023-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
My tax refund was deposited into a Credit Karma account, I have tried for two days to receive my money from them and they are telling me I'm only allowed to transfer {$1000.00} a day which puts me in a bad position as I need the money that is in my account, they are telling me repeatedly that they won't give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 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: FL

Complaint narrative:
My credit report is still showing an account # XXXX with a balance that has already been paid off in XXXX of 2023. I made a payment of {$5200.00} on XX/XX/2023, the payment was posted by XXXX but they never updated the account to XXXX status. I sent XXXX a billing error dispute for correction of this violation XX/XX/2023 pursuant to 15 USC 1666 ( b ), ( c ), ( d ) and ( e ) but have not received a response.

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am attempting to remove a freeze on Experian 's website, " experian.com/freeze. It is not accepting my credentials when I attempt to log in. When I attempt to reset the password, it returns 'Your account has been locked due to too many failed attempts. ' The phone number I'm directed to call does not provide an option to correct this. Their automoated phone system wont allow me to can't speak to a Representative. Thus I am unable to reset my password or gain access to their website, ironically to be able to manage MY CONFIDENTIAL INFORMATION.

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2022, CITIBANK FRAUD DEPARTMENT Texted me that multiple Fraudulent Charges were put on my credit card, a card that I had not used for 6 months. I immediately called them & they said they would be fixed. Not all charges were taken off & they are trying to Charge me over XXXX & interest & fees for some of the Fraudulent Charges. I HAD NOT USED THIS CARD FOR over 6 months, I should have a XXXX balance! Many representatives said this would be fixed within 7-10 days. 

XX/XX/XXXX XXXX XXXX XXXX. XXXX said they had decided to CHARGE ME FOR THE FRAUDULENT CHARGES! Totally Frustrated here that they are trying to charge me now after so many said that this FRAUD was fixed already

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 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Upon speaking with the fraud department at Comenity Bank due to a credit inquiry today for a card I did not apply for, it was brought to my attention that an account was opened under my name and ssn yesterday with Comenity.net/XXXX Comenity swiftly took measures to close the account and report it as fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/2023 Comenity Capital Bank - IKEA Visa Credit card I received an email from company above, XXXX, stating that they had received an application for a credit card in my name. They also pulled a hard inquiry against my credit. The e-mail stated I would be notified via mail in 10-14 days.

I called Community Capital Bank and was eventually transferred to their fraud department. The representative hung up on me.

I did not apply for this credit card and I do not do business with this bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  account XXXX  XXXX, XXXX XXXX  account XXXX XXXXXXXX, XXXX account XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX account 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On Monday I took my 2015 XXXX XXXX to get it appraised at reliable XXXX in XXXX we're I got it from the sales guy who sold me the car asked me how much do I owe on it and I told him the people who is fiance the car said it was {$14000.00} when I told my sales guy who sold the car to me me and said that the car was sold to me for {$11000.00} so I'm am not understanding standing why Westlake financial services over charging me and when I went to print out a payment history for this car I had someone to calculate what I payed for on that car which is {$5500.00} {$300.00} which I just paid and I owe {$230.00} for late fees which is crazy I have proof of this and I only owe {$9100.00} on my car Westlake financial services screwed me charging me for a used car that's only {$11000.00} I am a XXXX person at that my family that I tried to go see and not only that I take my mom and dad who are Senior citizens and I help the XXXX people and I help a lot of people but I will not be messed over by Westlake financial services and y'all can call XXXX XXXX XXXX XXXX XXXX XXXX that's the one who sold me the car and he can pull it up on his computer and tell you that is a used car and the price of it which is {$11000.00} and they're number is XXXX because I also heard how Westlake Financial Services be doing people and I also told them that I was in the hospital for a min and I have to pay my doctor 's fees and medication but they don't care and I am a XXXX person and I wasn't fixing to go with out my medication

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 2023-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation