vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX, XX/XX/XXXX, i was in the Capital One app and saw a check deposited for {$5000.00} into my small business account had been reversed. XXXX at Capital One stated the check was fraudulent. Untrue, it was a check written from my husband to cover some XXXX bills. XXXX suggested redepositing the check and seemed unfamiliar with this kind of situation. Thinking this would be quickly resolved, I then deposited a check for {$3000.00} into my personal account, again from my husband 's account, which was accepted. 

Later the same day, Capital One sent an email stating the business account had been closed and a check would be mailed within 7-10 days. I opened the Capital One app and then saw that my personal checking account had been frozen. There was a number given for me to call, and after verifying my information, I was sent to a voicemail which stated to leave my name, account number and telephone number and I would be reached in 48 hours. I repeated the same action today, XX/XX/XXXX, and received the same voicemail. 

I am 4 weeks out of a XXXX XXXX with no access to my funds. Admittedly, the activity on my account has increased in the past several weeks as purchases were made to make my recovery at home as comfortable as possible. But, no call came from Capital One to ask if they were legitimate if they were concerned about fraudulent activity. Needless to say, I am shocked as I've never had issues with Capital One or it's customer service before. But to freeze my account without an explanation doesn't say much about their care and concern for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

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. 

Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX  Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number: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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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. Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number : XXXX, Account name : XXXX Account number:XXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX Account number:XXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, Account name : XXXX  Account number:XXXX, Account name : XXXX XXXX  Account number : XXXX, Account name : XXXX XXXX Account number : XXXX, Account name : XXXX XXXX  Account numberXXXX, Account name : XXXXXXXX XXXX  Account numberXXXX, 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

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 2023-03-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
I had disputed a XXXX transaction worth {$230.00} on XX/XX/XXXX and wells fargo has nothing done anything until date XX/XX/XXXX and they call me today asking for more information and stated that they haven't worked on my claimat all. It's been 4 weeks and that claim hasn't moved a bit. When I called in today, this lady XXXX from the claim department was pathetically rude and when I asked her for her name she refused to give that to me and after asking that repetitively she finally told what her name was. This is ridiculous customer service and such people should seriously be fired. I need my claim resolved asap Claim ID # 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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I had filed a dispute against XXXX XXXX on XX/XX/XXXX. Claim # XXXX for {$200.00} as the refrigerator that was delivered to me was missing the internal shelves. XXXX had refunded me {$380.00} which you will see as a credit on my account and this refund was due to scratches and external damage on the exterior of the refrigerator. When I asked XXXX to refund me for the internal shelves, they said they wouldn't refund me for the shelves and would refund me only for the external damages and those shelves cost {$200.00} and that's why I disputed only {$200.00}. 

When I initially opened this dispute, I had clearly mentioned to the bank that the credit of XXXX was for external damages and I still need credit for the internal shelves that XXXX is refusing to give and hence this dispute. 

I got a letter from the bank on XX/XX/XXXX stating that " thank you for letting us know that you no longer wish to dispute the {$200.00} and we are closing this dispute '' - Are you serious? I never ever called you to cancel this dispute. you guys closed it on your own without any consent which is ridiculous. When I called the bank they stated that XXXX already gave you a credit of {$380.00} so we canceled this dispute. Are you serious? Did you even read my initial claim properly? I need this dispute reopened and {$200.00} back from XXXX or the bank whoever wants to give it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Sent a Notice to dispute letter on XXXX to Exeter Finance for debt validation and to report to the credit bureaus that this was in dispute. Company sent back the retail installment contract on XXXX, which my understanding that is not a valid way to validate debt. I asked for a ledger, a copy of the original contract binding both parties, as well as verification for the claim. This was the second time asking for this information. I sent another letter on XX/XX/ requesting the same documents and stated how they kept calling me harassing me about a debt that was not properly verified and to up my insurance. Again another letter was sent back from the company on XXXX  sending the same retail installment contract and not fulfilling what was asked of them in the 1st letter. They then sent me statements and proceeded to send a repossession letter on XX/XX/. I sent an Affidavit back to them to sign on XXXX  and if they do not sign they are to fulfill the invoice I sent with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I opened this account with Lowes on XX/XX/XXXX. On XX/XX/XXXX, I made a large purchase for my new house, {$22000.00}. I was in the process of moving and mail was forwarded. I did not receive my bill until XX/XX/XXXX. This was one day after due day of XX/XX/XXXX. I paid the bill in full ( {$22000.00} ) on XX/XX/XXXX. I was charged a late charge of {$30.00} on the XXXX. On the XXXX, after I paid the bill, the late fee was reversed. Balance was now {$0.00}. On XX/XX/XXXX, 7 days after I paid the bill, I was charged interest of {$380.00}. I called them again and on XX/XX/XXXX they said it was a mistake and reversed the interest. Balance is now {$0.00} again. 
On XX/XX/XXXX, I made 2 purchases {$770.00} and {$42.00}. I received my bill on XX/XX/XXXX ( closing date of bill was XX/XX/XXXX ). I was charged interest on this purchase - 4 days after purchase date- amount of interest was {$10.00}. They said they would reverse the interest. 

This is the fourth mistake in 2 months. Also, when I call up, they request my social security number and I refuse to give that to them.

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 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX there was a hard credit inquiry made by Citi Bank NA, Best Buy. I did not apply for a new credit card. I called Best buy and it was confirmed that someone tried to open a credit card in my name for Best Buy, They cancelled the application and reported it to the credit bureau.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have submitted several disputes to reporting agencies and i have not been receiving the proper treatment at all. When i call they hang up on me or refuse to send me to the right department to resolve my credit reporting issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a XXXX of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
XXXX cfpb closed report immediately as SOP AND JUST mailed a letter. This standard operating procedure of do nothing is a Hallmark of what is in my opinion a corrupt organization, fraudulent and a lie. The facts confirm this opinion time after time. I wrote to edify those who actually believe this is a organization with integrity and character when by fact they have proven over hundreds of complaints to be a sham. They know this as truth but frankly don't give a XXXX! Above us all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Almost 2 months ago my wallet, phone, and keys were stolen from my car. The thief locked my car leaving me stranded and proceeded to go to the apple store which is several XXXX 's of miles from where I live and spent around {$5700.00} on my debit card, and XXXX on my credit card. I spend all afternoon getting a locksmith to come to break into my car and make a new key. Immediately I reported this as fraud and found out that the thief even called to raise my limit on the card. I was told that I would get a credit back in the next few business days. That never happened. I started calling Chase daily to check in and add as much detail as possible. because they would refuse to call me to give updates, I even went into my branch several times. I was told several times that I would receive my credit any day, until one day I called and was told the claim was denied. I asked them to appeal this case which they also denied and cited that because the person used my pin they would deny the claim. I was told I could get the case re-opened and that I would be able to add any evidence that I had. I found a camera where my car was broken into and found the thief breaking in, and chase has the call where the thief called to raise my limit so I also asked if I could use that. I was told no that chase would only accept physical documents. So I gathered my documents including 2 police reports as well as a receipt from the locksmith who had come to make me a new key AT THE TIME THAT THE THEIF WAS AT THE STORE WITH MY CARD. To prove that it could not have been me there. I was told that I had to fax this In, and again was calling every day to see if they had gotten it. They told me several times that they had not, and then when they finally said they got the additional evidence said that they will not be reopening my case and citing the original reason of the pin. So, CHASE BANK is refusing to see any evidence even though I have plenty that proved this was a fraud. They ended up refunding my XXXX dollars from the credit theft, but this only further proves that this was a fraud because they were used at the same place at the same time so how would it be possible that one of these charges would be a fraud and one of them would not. Shame on this bank and their service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I pulled up my credit report on XXXXand it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
Deposited a XXXX XXXX XXXX XXXX for Rental Assistance I applied for under the state of New Mexico XXXX and Chase JpMorgan who I bank with collected funds is not wanting to release funds, restricted all my accounts. Provided bank documentation of what the check is for. Denied all my documents they are needing a verified number to be able to get in contact with the department. Provided multiple phone numbers from the department for them to get in contact with there is a long wait and they state they can not reach anyone. Notified me that I will not be able to access funds. I need my rental assistance funds to pay my rent Im about to get evicted. Not far and not understanding why they are holding funds when its not a fraudulent check

Company response to consumer: Closed with explanation