vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On numerous occasions, I go to XXXX 's XXXX XXXX XXXX authorize a payment to my business credit card through the website. The payment is to be credited the same day if it is made before XXXXXXXX XXXX. or the next day if it is after XXXX p.m. The most recent payment I made was on XX/XX/2024. Today is XX/XX/2024 and the payment is still on hold for my credit card. I made this payment out of my BMO checking account but BMO put it on hold. I had sufficient funds in my checking account. There is no reason, nor is there every any reason for them to hold my payment. The payments come out of my BMO accounts and I make them to my BMO business credit card. They funds can be verified immediately and yet they hold my payment. I had to call them today to ask them to apply the payment. The customer service person told me there is a glitch and that they hold the payments on some accounts. He was able to take the hold off the payment but he also told me it was set to apply to my account on XX/XX/2024. That would be XXXX full days after I actually set up and authorized the payment. I had him file a complaint with the bank and I am filing another complaint against them with you. 
Are they doing this intentionally hoping that the payment doesn't get applied so they can charge interest on the balance?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I asked for verification from upgrade about this account because it was opened from family idenity theft. In return they automatically sent my account to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Duty pursuant to the FCRA, it is EXPERIANs to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Regarding ; Capital One credit card # XXXX Subject ; Dispute XXXX XXXX XXXX  XXXXXXXX XXXX  charge for {$650.00} 3rd Dispute response!!! 

Regarding todays telephone conversation and your XXXX XXXX  XXXXXXXX XXXX email Re : XXXX To finish processing your recent request, we need some supporting documents : Second Opinion Any additional information related to your dispute XXXX XXXX XXXX XXXX XXXX o Second Opinion from WHO??? I have already sent you 2 responses with supporting documents that proves I booked a hotel reservation direct through the XXXX XXXX XXXX ( XXXX ) web site, not XXXX as the night clerk and morning XXXX claim. I have never received any documents from XXXX! 
o And who/what is getaroom? I have never dealt with them or ever receiced any documents from them! 
o THIS IS ALL A SCAM!!! 
Any additional information related to your dispute o What additional information do you need? I only stayed XXXX night because, as already stated, the night clerk was totally rude, chastising me for booking through a 3rd party, WHICH I DID NOT! I attached the XXXX receipt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Rate per room Room XXXX : XXXX XXXX XXXX, ( XXXX XXXX - XXXX XXXX ) XXXX XXXXXX/XX/XXXX XXXX {$140.00} o As already stated, the night clerk and the XXXX would not provide me with a receipt because they said I had to get it from XXXX ; but since I did NOT book it through XXXX, I can not get a receipt! 
o The next night I booked rooms at the nearby XXXX XXXX and I have the receipt from them for the rest of the week just to prove I did not stay at the XXXX after the XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX  ) per Capital One XXXX, XXXX Statement. 
Receipt from XXXX XXXX attached dated XX/XX/XXXX for a room XX/XX/XXXX to XXXX. 

And as I already stated, I absolutely refuse to pay for anything over than the XXXX and only night I stayed at the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. If you do not issue me a credit for the other bogus charges you may as well cancel the credit card and I will meet you in court!!! You have lost a great customer with a XXXX XXXX XXXX and a spotless record of paying on time!!!!!!!!!!!!!!!! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I addressed the situation with XXXX XXXX XXXX about family idenity theft. In return knowing the situation they sold my account to a collection agency and now they have started aggressively coming after me for funds i dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TX

Complaint narrative:
Equifax Information Services LLC Equifax Inquiries- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX *HAVE ALREADY CONTACTED THE CREDITORS AND THANKFULLY NO ACCOUNTS WERE OPENED DUE TO THESE INQUIRIES. JUST NEEDING TO GET THESE INQUIRIES REMOVED SINCE THEY WERE FRAUDULENT* *GOT A LETTER IN THE MAIL SAYING YOU COULDN'T COMPLETE THIS BECAUSE YOU COULDNT VERIFY MY IDENTITY. IM GOING TO ATTACH THE THEFT REPORT ALONG WITH A COPY OF MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ALONG WITH A UTILITY BILL SO THAT YOU CAN CONFIRM MY CURRENT ADDRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to urgently request the CFPB 's intervention in a serious matter involving unauthorized access and transactions in my Wells Fargo bank account. Despite my efforts to rectify previous security issues, my account continues to be compromised, indicating a significant and ongoing breach. 

Account Security Breaches : Unauthorized electronic funds transfers and XXXX transactions were made from my account to unknown parties, which I did not authorize. Totaling XXXX $ My Wells Fargo Online password was changed, and my email was unenrolled from XXXX transactions without my knowledge or consent, as evident in the attached notifications. 
Unauthorized transactions involving the transfer service XXXX were made, a service I have never used, necessitating a full refund of these transactions by Wells Fargo. 
Please investigate and see who is logging into my account and changing my password. Please look up the IP address. 

Dispute with Wells Fargo : My claims have been previously rejected by Wells Fargo despite the provision of new evidence of continued unauthorized access and transactions. 
There is a clear failure in Wells Fargo 's security measures to protect my account, and the response to my situation has been unsatisfactory and inadequate. 
Legal Context : Under the Electronic Funds Transfer Act ( Regulation E ), I am entitled to a prompt investigation by Wells Fargo, recrediting of my account for unauthorized transactions, and a written explanation of their findings. 
Request for CFPB Action : Enclosures : Notification of unauthorized password change for Wells Fargo Online account. 
Notification of email unenrollment from XXXX transactions. 
Evidence of unauthorized transactions involving XXXX. 
Police report and additional documentation evidencing unauthorized access and transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX CRA ( Equifax, XXXX, XXXX ) According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( **the company reporting the late payment** ) and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RFNA, LP
State: TN

Complaint narrative:
Live loan check sent through the mail and was deposited by family member. Deposited into their account and all their information was used. Had nothing to do with it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX - applied on a new chase credit card. Was told I need to experian unfreeze the Experian account XX/XX/XXXX - go to the website to unfreeze it, Due to my phone changed last used, i could not finish the process. I was given no option to talk to a real person either. 

XX/XX/XXXX - Send mail to Experian and provide them everything per " unfreeze instruction provided '' on the website. 

XX/XX/XXXX - It had been a week and yet no response from Experian. Therefore, I have no way to finish my XXXX Credit Card application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! I immediately reported and disputed these fraudulent charges to Avant when I found out. 
However, Avant never bothered to do a " real investigation '' and did not credit my account with permanent credit for these unauthorized charges. 

I did not realize until today that Avant continued to automatically debit payments from my checking account for all these months, including paying for perpetual accrued interests on these fraudulent transactions. I vehemently dispute these transactions and I wish to immediately close down this credit card and will be reporting them to proper government agencies and authorities should they not permanently reverse these unauthorized transactions totaling $ XXXX to my account. 
Avant has financially abused my account and this is not right. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX CRA ( XXXX, XXXX, Transunion ) According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( **the company reporting the late payment** ) and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX CRA ( XXXX, Experian, XXXX ) According to my consumer report I pulled on ( XX/XX/XXXX ) I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open-ended credit plan as late for any reason. If you need direct citation, please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 16819 ( B ) where it states that I as a consumer would need to give you permission to furnish information on my behalf. To date, I have not granted you or ( XXXX ) such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( **the company reporting the late payment** ) and the corresponding information is not listed on my consumer report. These accounts should be promptly updated as ON TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Subject : Request for Reinvestigation of Multiple Disputed Claims with American Express Dear Consumer Financial Protection Bureau, I am writing to request your immediate intervention and assistance in the reinvestigation of XXXX separate disputed claims that have been denied by American Express. Each dispute involves a clear case of service not rendered, unauthorized charges, and a severe breach of privacy. 

Dispute Details : XXXX XXXX XXXX I returned items to XXXX, following the merchant 's agreement to a refund by providing a return label. Despite shipping the items back and the merchant receiving them, I have not received the promised refund. 
XXXX XXXX XXXX Unauthorized Charge A vehicle purchase from XXXX XXXX XXXX XXXX a series of unauthorized transactions, including a failure to refund an initial down payment of {$5000.00} and an additional unauthorized charge of {$2500.00}. The purchase agreement was eventually canceled by the merchant due to their inability to repair the vehicle, which also necessitates a refund. 
Ref. XXXX XXXX XXXXXXXX, a XXXX Property Privacy Violation During a stay at XXXX XXXX, which was confirmed to include an awarded suite night upgrade, I encountered not only a retraction of this upgrade but also a serious violation of privacy. A spy camera was found in my hotel room, and the issue has been largely dismissed by the hotel and inadequately addressed in my dispute with American Express. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I financed a vehicle back in XX/XX/year>. From XXXX XXXX XXXX. 
They ran my credit about 12 times to different financial accounts to approve my loan. XXXX XXXX  approved us. All other inquiries I did not consent to. 
I tried dealing with the dealership but they keep putting me on hold and many excuses to not help me out. 
I keep trying to apply for credit cards and it seems my hard inquiries are affect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: FL

Complaint narrative:
this is what is reporting on my credit report company has not sent no paper work regarding this information or did they show me a contract of the information. i try disputing it with the credit bureau regarding this and the company says its verified. please send me a copy of the debt that it belongs to me. 

I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX  Balance details 0 % paid off Balance {$470.00} Balance updated XXXX XXXX, XXXX  Original balance {$470.00} Account info Account number XXXX Date opened XX/XX/2024 Account type Collection Status Collection account. {$470.00} past due as of XXXX XXXX. 
Status updated XX/XX/2024 Payment summary XXXX  XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Comments- Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: AL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation