vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2020 - Fraud alert received on Cell and Email about charges from Company called XXXX XXXX  XX/XX/2020 - Immediately Called Customer service. Reported that Card is with me and the charges are fraudulent. Cancelled the card and asked for a new one. 

XX/XX/2020 - Received Capital One letter that investigation is started over my dispute and confirming new card issued. There were 9 charges on the same date ( XX/XX/2020 ) totalling XXXX. 
Pl see Attachment1 # XXXX XX/XX/2020 Received letter from Capital One saying there is no fraud. {$1000.00} was charged to my card. ( Attachment1 # 2 XXXXXX/XX/XXXX Immediately called and talked to a Manager. Asked to see how far apart these 9 transactions were charged on XX/XX/2020. Protested that these were not made by my card. But was refused. 

XX/XX/2020 Letter in Attachment # 2_1 sent to XXXX, President, Financial Services XX/XX/2020 Received Attachment1 # 3 from XXXX XXXX on behalf of Capital One saying there is no fraud. 

XX/XX/2020 Seeing Capital One will not admit these transactions as fraud, decided to complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: CITIBANK, N.A.
State: IL

Complaint narrative:
There are two issues here : Issue one : Citibank refused to refund me in full the {$640.00} in membership fees for an old card that I converted to a new, no-fee card in spite of the fact that i had a record of my chat with two other Citibank service reps who promised to refund my fees. They only refunded {$490.00} for the principal card but the third service rep said it was their policy not to refund the fees for the supplementary cards that is worth {$150.00}. 

It was only after I told them that i would report them to the XXXX XXXX XXXX that the balance {$150.00} were refunded. 

Issue 2 : My reward points worth ( thankyou  points ) equal to about XXXX points that Citibank promised will be available until XX/XX/2020 were not transferred to my new card as they promised. Thus I was not able to use them! Although those reward points appeared in my XXXX account ( one of the features of these reward points is that i can use them on this online shopping site ), XXXX told me i couldnt use them and told me to contact Citibank! In spite of several efforts to reach the rewards center, I was always being directed to the wrong department and then eventually my account was blocked! Plus they said that my new credit cards were misplaced by the postal service! 

Full chronology of the events and supporting documents are attached.

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 2020-10-18 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In response to Experian, I XXXX XXXX am a individual, NOT a third party and i am a victim of identity theft.

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 2020-10-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Experian Dispute on XXXX. Results Date : XXXX. 
Dispute Results - Remains Dispute Reason : Not Mine. Do not identify. Incorrect information, In-correct Name and Address information added to my credit report by these companies. 

Collections : XXXX XXXX XXXX - {$13000.00} XXXX XXXX XXXX - {$900.00}. 
XXXX XXXX XXXX {$1500.00} Loan and Banking : Dispute Reason : Do not owe money. Paid in Full. Unauthorized Charges. 
XXXX XXXX XXXX - {$3900.00} XXXX XXXX XXXX  XXXX {$790.00} XXXX XXXX   XXXX  XXXX XXXX {$2100.00} XXXX XXXX  XXXX {$400.00} Auto Loan Account : Un-authorized charges. Incorrect Balance and Payment info. 
XXXX XXXX XXXX XXXX - {$33000.00} Hard Inquiries : Dispute Reason : Not Mine. Do not identify. Incorrect information, Never gave permission to run credit. 
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 2020-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I co-signed for a XXXX XXXX for my uncle last year on XX/XX/XXXX and the vehicle got repossessed. It was his vehicle, and he no longer has the vehicle. He was the one missing the payments and I was only a co-signer. Now I am ineligible to apply for any auto loans even though it wasn't my vehicle nor me making the payments.

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 2020-10-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Had credit card for Wayfair through Comenity. I received notice in XXXX that account was being closed because Wayfair was moving to new servicer XXXX XXXX XXXX in XXXX. I paid off my account in full prior to the account being closed on XX/XX/2020. I still have not received XXXX account statement reflecting payments and it is not available online. They are also reporting I still owe the balance on all 3 credit bureau reports. When I call the customer service Number on my card and previous statements it makes you put in your account number, which I do and then an automated message plays that my account is closed and it disconnects. I have tried to also contact through chat and email and have got nowhere. The return a robo-message response saying I wont receive a statement as no information has changed which doesnt make sense as the balance has been paid since the last statement. And since they closed it wouldnt that be new information? I am including a copy of the last statement noted on my account, a picture of the payment screen and a copy of the notice to close account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
My Credit Repair Company has sent letters on my behalf requesting the collection agency to validate the debt. I have not received an update from the credit reporting agency or the collection agency. The accounts are still reflecting negatively on my account and none of the assumed debt has been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Their investigation did not fix an error on your report
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

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 2020-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX I have a transfer from a PayPal XXXX XXXX account for {$1400.00}. I dont use or have a XXXX XXXX account. The email I use for PayPal is XXXX and my phone number is XXXX. Any transfers using a XXXX XXXX account are being used for fraudulent activities I believe. 


XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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 — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credit Repair company has sent letters off on my behalf, but the collection agencies have not responded, corrected inaccuracies, or verified the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
This company ran my credit and I dont even know who they are, they put an inquiry on my credit report, what services do they offer, I would like to know who they are and why? If not I would like for them to fix this issue by deleting this inquiry 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 explanation
Consumer complaint received 2020-10-18 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: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
In XX/XX/XXXX, I received a letter of First National Bank mentioning that I have a credit card of XXXX $ on my name BUT I never contracted this transaction. So someone used my personal informations. The period of which this transaction was contracted, I was not even in the USA, I was in XXXX. I haven't signed up for this transaction. 

I called this bank, I asked them to block this card which never been in my possession. And then I did an offense report ( XX/XX/XXXX ) at police department.

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 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I tried to log into online banking this afternoon and received a pop up that my account had been locked because of suspicious activity and I'd have to call them to unlock the account. I was never notified that my account had been locked, and was very inconvenient because I was logging in to check a transaction. I called them and waited on hold for over an hour before finally received an automated message saying they were unable to take my call at this time and to call again later.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
A purchase was made on my Comenity card that was not made by me from a. company namesecuretest. Was told that I could not make a dispute until it posted ... what the heck. Locked both cards. Called today because another purchase was made by the same company and today ... their computers are down.

I also had a fraudulent purchase made on the XXXX XXXX scan & go app that was not made by me buy on my account.I called to report and they did nothing ... I stood my ground and did all the work MYSELF ... to get the charges reversed. This company does nothing to help the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$9700.00}, {$5600.00}, {$0.00}, {$21000.00}, {$15000.00}, {$6700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

7. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.

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 2020-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: NV

Complaint narrative:
Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a )
Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between  XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a  payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I was put into collections by a medical company named global radius solutions for XXXX in the month of XX/XX/2020 that is false I have insurance and not only that I have not visited that medical facility and I dont not have any prior acknowledgement to this account I have previously disputed this account and similar accounts in the past the account continues to regenerate into collections every time it is deleted please help me I have used XXXX  and XXXX XXXX to dispute account nothing is working.

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 2020-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have my Texas workforce unemployment funds deposited Usbank reliacard account. For over a month now they have blocked my account. They never informed this block was going to take place. I have called just about every day 3 times a day tryingvto get this resolved. They said i need to fax in my driver license. Tax return from 20190. And social security card. I have faxed and uploaded the ids. They have noted each time. They have received it and said its still inactive w no reason why they denied the access still. They said there was fraud on my account which in that case why didnt they reissue another debit card or replacement card or give me a chance to withdraw the funds or transfer into another bank account. They have refused to help me resolve this issue and at one point told me it doesnt matter

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 2020-10-18 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: PA

Complaint narrative:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

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 2020-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18 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: PA

Complaint narrative:
A bankruptcy has to be reported to the 3 credit bureaus by the actual clerk of courts, Ive already confirmed by the clerk himself that he did NOT report it to the bureaus, it was in fact, XXXX XXXX ( a third party reporting agency that is paid to do so ) that reported it. This puts the credit bureaus in violation of the Fair Credit Reporting Act

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