vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit 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: ID

Complaint narrative:
Subject : Urgent Request for Credit Investigation and Resolution Dear Capital One Customer Service, I am writing to express my extreme dissatisfaction with the handling of my recent fraud case and to request an immediate review and resolution of the matter. I believe there has been a significant oversight in the investigation, and I implore you to thoroughly reevaluate the evidence and rectify the situation promptly. 

On [ date ], I reported several fraudulent charges on my Capital One credit card. I expected a comprehensive investigation that would uncover the truth and provide me with a fair resolution. However, I was shocked and deeply disappointed when, after just two days, my application was denied, and I was accused of being involved in the fraudulent transactions. 

I want to emphasize that I am not involved in any fraudulent activity and have always been a responsible and loyal customer. The speed at which this decision was made without proper examination of the evidence is deeply troubling. It appears that my case was not given the attention it deserved, leaving me feeling unsupported and wrongly accused. 

I kindly request that you reopen the investigation into my account and credit history to correct this grave error. I urge you to carefully review the evidence, considering all pertinent information and any additional evidence I may provide. I believe this thorough examination will reveal the truth and exonerate me from any involvement in the fraudulent charges. 

Furthermore, I request a transparent and empathetic approach to addressing my concerns. I expect clear and open communication throughout this process, keeping me informed of any progress or updates. It is crucial that Capital One takes my case seriously and demonstrates a genuine commitment to customer satisfaction. 

I have been a loyal customer of Capital One for [ duration ] and have always appreciated your reputation for excellent customer service. However, this recent experience has shaken my trust and confidence in your services. I sincerely hope that you will take this matter seriously and work diligently to restore my faith in your institution. 

I trust that you will thoroughly investigate this issue and provide a fair and satisfactory resolution. I eagerly await your prompt response and a clear plan of action to address my concerns. Failure to do so will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. XXXX is governed by 15 U.S.C 1681, XXXX has violated my rights numerous of times. I demand the account below be removed immediately : XXXX. XXXX XXXX Acct # XXXX ACCORDING to XXXX U.S.C 1681 ; I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. I have no contract with XXXX XXXX XXXX Provide original contract for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to complain to EQUIFAX about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently obtained a credit report, and had many unauthorized inquiries reporting from " transunion '' I called transunion to inform them that these were not authorized or performed by me and they were done illegally without my consent. transunion offered me no help other than to dispute with the creditor which told me to call transunion. the following inquiries are listed by name and date they are : 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 explanation
Consumer complaint received 2023-10-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/1980 To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : TransUnion : 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 2023-10-17 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB # XX/XX/ To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 
I am Requesting all these inquiries be deleted : 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 explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I had asked to change my payment date to the XXXX of the month from the XXXX. Which they did but they were reporting I was making my payments late and adding on fees. Now the last 3 months I had called to push my payment out which they agreed to and I made those payments and again late fees and reporting I wasn't making the payment to the credit bureaus. On or about XX/XX/XXXX I spoke with a customer service rep and told her I would not be able to make the payment for XX/XX/XXXX until XX/XX/XXXX, she instead set it up for XX/XX/XXXX and again I got a late fee and reported none payment!! They also cancelled my payment arrangement for the XXXX of each month multiple times. This is ridiculous!

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 2023-10-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS # XXXX DOB XXXX XXXX To who it may concern, There was a breach with the Office of Motor Vehicles and requesting a deletion : inaccurate information You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights.

15 U. S. C 1681 section 602A. Clearly states that 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.

15 U. S. C 1666B : A creditor may not treat a payment on a credit card account under and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

I am Requesting all these inquiries be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 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 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
When Roundpoint bought our mortgage they continued to send out the wrong payment on our statement. Several calls to Roundpoint to fix our statement has only gotten worse. We are paying more in monthly payments even after sending them a separate check for our escrow 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 2023-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase and XXXXXXXX XXXX  opened accounts with JPMorgan and XXXX XXXX disbursements and gave me a small percentage then never funded my checking accounts. Chase let a banker named XXXX XXXX move an investment account..now says they can't find it. They also moved an account to XXXX XXXX without authorization..now deny it exists. 
XXXX says an active for home banking account was just a debit card and I'll be arrested if I go to the bank. That's a money market account. XXXX XXXX only pays in dividends. It says so in the brochure. An attorney said all my deposits are securities and they have to give them back. 
XXXX XXXX XXXX texas

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Two check were issued, both " lost. 
Put stop payment on both check at one point. Stop payment was reversed on check # XXXX dated XX/XX/23 - which cleared my bank on XX/XX/23. Check # XXXX was attempted to cash on XX/XX/23, but was returned due to a stop payment that was put on for good measure on XX/XX/23 since they had already cashed the first check. 
There are no funds that were returned to my account after they were taken out. All proof has been submitted several times. And I keep getting a response that the funds were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2023-10-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have tried to use Amex Gift card at multiple locations online -- the virtual card states that it can not be used in physical stores. It failed at XXXX ( where I really wanted to use it ) and when I called Amex customer service they told me that XXXX does not accept so I should use it on XXXX. I did not want anything at XXXX but tried anyway. It was also declined there in spite of sufficient funds. 

Very frustrating experience and card feels unusable for me to purchase any items that I want -- in addition they have started substracting $ XXXXmonth from the balance so there is urgency to use it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I called the company several times and no one would help me. Three weeks ago they said it was closed and under investigation. Then the amount went from {$95.00} to {$140.00}. I never received this card and never used this. I called to just pay it off and they wouldn't let me. I tried talking to a manager but they hung up. I called back and got an email to send them the issue and pay and have not received anything back. I'm trying to get a house and this company popped up on my credit report. Since I never received or used the card they still wouldn't help me. Even though they are in the wrong I just wanted it off my credit report. 
Avant is the name of the company and my wife looked up and saw there have been many complaints

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
Transworld creditors put a delinquency open on my credit owing from XX/XX/XXXX  in a home that i never lived in. I am requesting any documents that I signed this. I will not pay for something I didn't sign.

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 2023-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX XXXX is late taking payments and now are ruining my credit and a late fee are late getting, and I asked for it to be closed, and they need to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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 HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX. I informed the company several times to please give me time to make a payment or to help me make arrangements. I requested that they assist me in a potential deferment so that I could continue to get to XXXX XXXX. I was very communicative of my situation. I attempted to make payments that they returned. Then they repossessed my much needed vehicle right when I needed XXXX to remove a XXXX  XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 5 USC section 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please contact me at the address provided to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NY

Complaint narrative:
I checked my credit report on XXXX XXXX  and have a new collection for 4 {$4000.00} from a collection agency named consumer adj Co on behalf of XXXX. While I took out a pay day advance loan from XXXX in the past, it was paid and for about {$300.00}. There is no way I owe then {$4000.00} and this made my credit go down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/23 {$100.00} was withdrawn from my checking account, and was never authorized. 

1. I had just received a new debit card from USAA, My old debit card was expired, and the new debit card it was not activated at the time the above charge occurred. 
2. No authorization was provided to the company that charged the {$100.00}. I spoke to USAA on the phone and they said they would take care of the issue. 
3. I received a follow up decision ( attached ) which stated the transaction was not an error because of " insufficient information ''. 
4. USAA never provided documentation from the merchant it relied upon in making this decision. 
5. USAA asked me for documentation that does not exist. When a transaction isn't authorized, consumer 's do not have records to provide showing it wasn't authorized. The charge was not authorized. The merchant did not provide any kind of receipt or billing notice by paper or by email. I don't understand why USAA is defaulting to the merchant must be correct rather than believing its paying member. Do better USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened BMO harris - relationship checking account with promotion. If one has a direct deposit of {$7500.00} or more in first 90 days - they will get cash back bonus. 
Account opening - online process is broken so it got opened via phone. Promo code was applied. 
When i inquired - why i haven't got my {$500.00} cash back bonus there is no 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