vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 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: PA

Complaint narrative:
Reserved rental car on XXXX on XX/XX/2023 for two days. Was rental was to be picked up on XX/XX/2023. My Capital Cabelas Visa was charged {$210.00}. The rental car company is XXXX. Arrived XX/XX/2023 at XXXX at XXXX to get car. XXXX rental agent informed me that there is an hold of {$200.00} that need to be placed on my credit card. Informed XXXX agent that I dont have {$200.00} on my credit card for the hold to be placed. 

Moreover, informed agent that when I booked car rental with XXXX it was never mentioned that an {$200.00} hold would be placed on my credit card in addition to the rental charge of {$210.00}. Informed XXXX agent I would have never booked the car in any event disclaimer stated and additional hold of {$200.00} would be placed in my credit card. 

The agent informed that my card declined for the additional {$200.00} hold. I could not rent the car. Ask agent for refund of {$210.00}, agent informed to contact my credit card company for refund. 

I called Cabelas Capital One and filed a dispute on XX/XX/2023. Informed Capital One that I reserved rental car through XXXX for two days for {$210.00}. Car was to be picked up on XX/XX/2023 at XXXX at XXXX. Arrived at XXXX and was informed that an additional hold of {$200.00} was requested by XXXX agent to be placed on my credit in addition to the {$210.00} that was prepaid with XXXX. I did not have the money and was not allowed to rent car. 

However, my card was charged {$210.00} and it wasnt refunded back on my card. Want Capital One to provide receipt from XXXX XXXX with my authentic signature that I rented car for two days. Want Capital One to provide contract that I signed to rent car from XXXX. 

Capital One responded to my dispute XXXX and informed me that I lost my dispute and I am liable for the {$210.00} because I didnt cancel my reservation. Capital Ine never provided my requested documents. Would like Capital One to provide to me XXXX cancellation policy in writing. Capital One, XXXX and XXXX are in conspiracys to defraud me. I never received the service I paid for. That is theft of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/23 I used Bank of America atm id # XXXX to withdraw {$900.00} yes the machine disburse the money but my nails are long and the machine didn't push it out far enough for me to grab it off the disburser my nails pushed the money off the dispenser inside the machine so I was unable to get it because the dispenser door had closed so I waited 10 minutes to see if it was gon na reissue it but the machine went our of order and said unable to dispense cash I reported it to Bank of America they only took a complaint and told me to call my bank which is XXXX XXXX XXXX XXXX they filed a claim with Bank of America but the findings came back saying the cash was disburse yes it was but I was telling to to pull the camera and they could see I never received the money. So I really need this matter looked upon .Thank you

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN HAS INCORRECT INFORMATION ON MY CREDIT REPORTS THAT DOES NOT BELONG TO ME. I HAVE TRIED TO CORRECT THIS INFORMATION WITH EXPERIAN AND THEY HAVE REFUSED TO REMOVE THE INFORMATON. ALSO THEY HAVE MADE IT WHERE I CAN NOT RECIEVE AN UPDATED CREDIT REPORT. I AM ASKING EXPERIAN TO DELETE ALL OF THE INACCURATE NAMES, ADDRESSES, SSN, PHONE NUMBERS, AND JOB IFORMATION THIS IS NOT MY INFORMATON IT IS EITHER FRUAUDLENT OR 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 2023-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This isn't a duplicate request, however on XXXX  I submitted a complaint to Experian regarding : XXXX XXXX XXXX ( XXXX ). Experian updated my credit report as updated. I want to know what due diligence Experian exercised to confirm when XXXX XXXX XXXX XXXX itself didn't and can not verify the debt. This is illegal practices. 

Furthermore, based on the due diligence I have done according to 15 US CODE 1681 ( A ) ( 1 ) - Congressional finding and statement of purpose The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit directly impairs the efficiency of the banking system, and unfair credit report methods undermine the public confidence which is essential to the continued function of the banking system. Fact, The Fair Debt Collection Practices Act and The privacy Act of XXXX my right to privacy and my pricacy has been breach so bit it and ; Furthermore, The Fair Debt Collection Practice Act, 15 USC 1692, MAKE IT CLEAR evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. I am sure the removal of my information from your company. Lastly Fact, please show good faith in the matter by expediting deleting the securing information listed in your company records in order to avoid me receiving damages, mental anguish, and losses due to me being a victim of identity.

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 2023-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/2022, I was in XXXX when I was forcefully removed from my truck by four men with assault rifles who threatened to kill me if I did not hand over my truck. I completed a police report with the help of an attorney in the city of XXXX, but the only outcome was that the corrupt attorney actually gave the truck keys to the person who leads a local XXXX. 

The XXXX authorities have since reported seeing my truck, yet have been unable to recover it. The police stated that they know where the truck is parked at nighttime. However, they are afraid to obtain the truck from these tyrants. I realize that this sounds like a bad tv show, but its real life. I have contacted XXXX XXXX XXXX to cover the stolen car, but they will not cover it. I then called Ford and asked them for help with this loan gave them details about my incident. They cannont reposess my vehicle because the vehicle cannont be obtained by anyone ; including myself. Yet they are holding me financially responsible for the truck payment to the tune of XXXX, XXXX. Before this event, my XXXX  scores were in the high 800s. Now they are in the low 600s and Ford will not agree to stop placing late payments on my report. I contacted a person at Ford who stated that if I began making payments monthly, they would remove negative information from my report to help increase my scores. But they also stated that I would be held accountable for the full XXXX and that they would NOT work with me by ceasing to report active late payments on my credit. I have since discovered that even if I DO agree to pay for a vehicle I do not owe, those payments will not increase my credit scores if there are active new late payments being reported. I have contacted a Non Profit HUD counseling center, who has encouraged me to file this CFPB complaint. 

This has become a hardship for me and I feel heavily discriminated against. I own a business, and I have never been one to default on my financial obligations. Per the Fair Credit Reporting Act, I believe that I have the right to require FAIR and accurate credit reporting. I believe that FORD has the responsibility to demonstrate consumer fairness and provide accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/2023 My Coinbase Account was hacked through a failure of Coinbase 's Facial recognition verification system and approximately {$18000.00} worth of Crypto currency was was removed from my account. Upon reporting the theft to Coinbase they locked my account pending investigation. They concluded that my login information had been compromised and refused to accept any responsibility. I had to reverify through the very facial recognition system that failed in the first place so that I could access the account to get the transaction records so that can properly pursue the chance of recovery. I was told that 24 hours after the account verification that I would have access to the account and the remailing money that had not been stolen. 

After multiple emails and phone calls I still am not able to access the records of thr fraudulent activities. They have essentially hi jacked my ability to pursue any recourse for the losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Senex Services Corp.
State: NJ

Complaint narrative:
The hospital submitted the insurance information in the wrong order and waited to notify us after the statute of limitations was up. 

Secondly, the collection company had my entire hospital file a breach of my HIPPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 — Was not notified of investigation status or results
Company: DISCOVER BANK
State: IL

Complaint narrative:
NOTICE OF DISPUTE : DEMAND FOR VALIDATION AND PROOF OF CLAIM Dear Consumer Financial Protection Bureau. 

I am writing to file a complaint against Discover card regarding their dispute resolution process. Despite my attempts to dispute a charge on my account, Discover has failed to validate my dispute and instead sent me a statement for verification. This practice is in violation of the Fair Credit Reporting Act, This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration of Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication under 15 USC 1681i. This complaint is backed by the words of congress when it comes to verification of an account. 

According to this law, creditors are required to investigate disputes and provide consumers with a method of verification. However, simply sending a statement for verification does not qualify as a valid method of verification. I am frustrated by Discover 's failure to properly investigate my dispute and provide me with a valid method of verification. 

I have received nine copies of the same exact letter with no further explanation. 
I believe that this is a serious matter and that Discover 's practices are unfair and deceptive. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Discover. I also request that you provide me with any assistance that may be available to me in resolving this dispute. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: GA

Complaint narrative:
I provided Experian with two copies of my FTC identity theft report regarding XXXX XXXX XXXX collection agency attempting to collect a fraudulent debt. Experian responded back within 2-3 days of the dispute with the fraudulent account not being removed from my consumer report. Experian initiated an investigation that was not thorough and only took them one day to again, leave the fraudulent account on my consumer report. I'm a victim of the XXXX data breach which has resulted in the fraudulent account and various fraudulent inquiries and addresses being listed 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 non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When feasible I try to make additional payments of my mortgage. Ie : On XX/XX/23 I paid ahead for my XX/XX/23 payment. Check # XXXX amount of {$850.00}. Then on XX/XX/23 I paid XXXX mortgage payment of again : {$850.00} & check # XXXX. So my next mortgage payment is due XX/XX/23. I did make an inquiry of this & received a message from Chase that additional payments would be applied to the principal. This is the 1st I am hearing of this. I like to go ahead & make added payments when I can as w/ today 's economy I get concerned re : keeping roof over my head. Especially being a senior on a fixed income. I am lodging this complaint because this is the 1st I am hearing of " any additional payments would be applied to principal! '' So, Chase did NOT inform me of this earlier so there was NOT any " full Disclosure '' in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-05-12 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-05-11 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: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
on XXXX, my XXXX account was fraudulently obtained, and I was locked out by someone in XXXX. My account had my business credit card used for this account for advertising and a total of 8 charges of {$100.00} each were made using my credit card. 

I tried to report this as fraud on XXXX to Axos Bank both through their main number and fraud department. I found it strange that there long hold times for both departments, in excess of over 60 minutes so I called back the following day to report card as stolen. I also spoke with Fraud Department however there were unable to provide any details on the process, the time frame, or answer any of my questions I had regarding how and when I would recover my stolen funds. I was assured that I get a return call to answer my questions. No returns were made I made numerous calls again to both fraud department and main numberevery time there were extremely long times. I left with spoke 4 customer service representatives over a 2-week period to understand the process and timeline to obtain my stolen funds. Each time I was provided with assurances that someone would be reviewing the details and returning my call within 48 hours. No one ever returned any calls. 

I contacted the customer advocacy department and had assurances that their customers were important, and he would be calling me back within the next 3 business days. No return call so I called the representative back a week later asking for any updates his response was I left you a message last week and we you need to wait for the investigation to be completed which can take months. That is all I can tell you My concerns are vast : This organization has no concern for their customers, may face liquidity problems which would justify their unwillingness to examine a fraud case, support a fraud investigation process that is not a process in anyway and will result in an outcome that will no recover any of my stolen funds. 

This organization has no advocacy for their customers, an unwillingness to provide the service for fraudulent charges as they agreed to and a culture that lack clarity, accountability, and humility. I need your help to recover these funds of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-05-12 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: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-05-11 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: TX

Complaint narrative:
Dear sir or Madam : I am a victim of identity theft. I learned that my personal information was used to open an account at your company. I did not open or authorize these accounts, and I therefore request that All accounts identified as identity theft in this report Ive supplied be removed immediately from my credit files

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Someone on XXXX said they were selling XXXXXXXX XXXX tickets. It seemed so legit. I Zelled them XXXX

Company response to consumer: Closed with explanation