vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone Tried to open the below credit card with my name as XXXX XXXX XXXX. 

Account name- CAPITAL ONE Date opened- XX/XX/2022 Business type- XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
Lowes consumer credit card inquiry on my report.they have no record of the application but it shows on my XXXX XXXX XXXX I call the customer service twice and found nothing

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 2022-09-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 XXXXXXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy. 
15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2022 I opened a chase business account online. I would have rather opened an account in person however there were no available appointments anywhere near me at a Chase branch.I funded the account, was issued a debit card and began providing the account details to merchants, vendors and my direct deposit provider. Chase also provided me a promotional code for cash back after funding and making 5 transactions. I attempted to login to Chase website on XX/XX/2022 and it instructed me to call however it was after XXXXXXXX XXXX and they were closed. I called again on XX/XX/2022 and the hold times were incredibly long to speak with someone. I waited over an hour before I had to disconnect the call to get back to work. I finally spoke with someone on XX/XX/2022 and I was told that my account had been closed because the account was opened online and a " suspicious '' email and phone. At no point did Chase call, email, or otherwise send any correspondence to me at any of the contact methods they have to let me know they needed verification. I have been a client for over 20 years so if they wanted to make an effort to get in touch with me they would have tried. The representative I spoke with on XX/XX/2022 confirmed that no effort was made to contact me about the account closure. Adding insult to injury, Chase continued to send me marketing offers via email after the account was closed. They were able to contact me to sell products but not to inform of a pending account closure. My small business has been disrupted as I have to open a new account elsewhere and redirect payments and deposits. Chase made no attempt to remedy this situation and showed zero remorse over their error, lack of effort and general incompetence in this matter. I was treated unfairly by a mega organization with virtually limitless resources. There is no recourse when they step all over the small business owner. Disrupting minority owned small businesses is not the right thing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I responded to a XXXX XXXX in XXXX. This is what the Ad said. The program is for individuals with good to excellent credit. If accepted in the program. We compensate up to {$5000.00}. Summary. Program. Get paid to use your credit. Legal Doc for partnership,, Quarterly Dividend, Free Credit repair with partnership, Contact XXXX for more information at XXXX. 
XXXX and I did. XXXX welcome me in the program. Met with me in XXXX Florida, l sign a contract l thought was real. He said the contract would show he was liable for any debt, l order cards for XXXX American Express, XXXX XXXX XXXXXXXX. He had me to use his address .So l never received. Bills.. I never use these cards for anything, l think he paid online. Until he decided he was not going to pay anymore. He block me on the phone. I sent the police to the address he provided at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXl XXXX and found XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXX. XXXX Florida XXXX. This address is current. He charge over {$14000.00} with XXXX  in which l never receive a bill l later found out through email. This scammer also charge over {$8000.00} on American Express. I am receiving calls XXXX. I want this debt charge to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I did not make any purchases on this card and I never received bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NC

Complaint narrative:
I explained to the internal customer rep these 2 complaints are linked together. I had been paying {$100.00} per month previously. I left the part time job because the employer was abusive paranoid drunk. I have been trying to obtain a part time job and was trying to make contact with them at the time. They went into my bank account without my consent causing {$71.00} in overdraft fees. Then I did get a hold of them and did agree to terms with a verbally combative customer rep. While trying to not become XXXX. I have been paying monthly the agreed {$50.00} per month. He said they showed no agreement. I said that is a LIE!!!! I told the inside rep that the aggressive rep accused me of lying. They would roll audio tapes. I said go ahead. He got pissy when I refused to give him bank account information and told him I would send it from my bank to their bank. Then I hung up. I stressed to the inside rep I am not the only person this has happened to I know other former NC State workers this has happened to with Discover. I could go to small claims court and win on this one. Just because you take a payment once from my account does not mean you can do so here after.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. The accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDUCATION 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 XXXX 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604 a section 2 it also states a consumer reporting agency can not furnish account without my written instruction.

15 USC 1681 ( c ) ( 5 ) Section states no consumer credit reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than recorded conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has knowledgeable calls to believe the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Account is reported on my credit reports and is not mine asked for validation of debt and there has been nothing provided other then copies of statements which doesnt validate this debt as mine XXXX XXXX XXXX showing on reports as account number XXXX I included copy of 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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
LexisNexis Consumer Reporting is in violation of the following : Authority : 12 U.S.C. 5512, 5514 ( b ), 5532 ; 15 U.S.C. 1692l ( d ), 1692o, 7004. Source : 85 FR 76887, XXXX XXXX, XXXX, unless otherwise noted. 1006.18 False, deceptive, or misleading representations or means. ( b ) False, deceptive, or misleading representations. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. Allowing General Revenue Corp to false report incorrect data on my consumer report. LexisNexis is acting as an accomplice to General Revenue Corp with furnishing inaccurate information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp
State: CA

Complaint narrative:
All of a sudden my credit score drops XXXX points from and account I do not recognize CAC Financial Amount {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: LEXISNEXIS
State: PA

Complaint narrative:
Can you please help me to resolve this matter. XXXX found out on my consumer file that LexisNexis has furnished a Bankruptcy on my credit file and illegally shared the file with XXXX XXXX XXXX and XXXX. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not shareb this information with Lexis Nexis. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called Lexis Nexis numerous times and emailed thier CEO XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/2022 I converted the equivalent of XXXX XXXX through Wise.com because I was trying to pay for a hotel by transferring XXXXXXXX XXXX ( cost of the hotel ) to a commercial account due to the fact that the wise debit card I had was not working to be able to pay with it. Wise stopped this transaction and I decided to cancel it because the hotel never received the money so I could stay in it. Today is XX/XX/XXXX and I still have not received my XXXXXXXX XXXX  back to my Wise account. After calling the wise customer support team for more than 5 times I still don't get any information about why they are still holding my money, and why they have not refunded it back to my account. Anytime I try to request a supervisor over the phone they said they don't have supervisors working at Wise and they push me to finish the call with 0 solution or at least a reasonable explanation. 
Wise never sent the money to the hotel and never refunded the money to my account. 
I feel I am being stolen and tortured by Wise. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Hello my name is XXXX XXXX and I have been having this same problem since XX/XX/XXXX XXXX XXXX with capital one and I am furious that I have been calling and emailing and sending out letters for months with no help. I reached out and they reached back out and said they will solve my problem. Someone used my information on that day and its an application inquire on my report. I will appreciate it if they take that fraud information off of my credit report now. It has been way longer than 90 days! I should not have that on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Hi, I contacted Nelnet last Wednesday ( XX/XX/XXXX ) to ask my request for a refund that was made during the Covid forbearance. They keep saying my refund request is still processing, but not giving me any detailed information about that. It's been almost five weeks since I first contacted for a refund ( XX/XX/XXXX ) but still no updates on everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I contacted TransUnion online on XX/XX/XXXX to unfreeze my credit report so my lender could process an auto loan. During the process I was tricked into signing up for monthly credit monitoring and then received an alert from my credit card company that a {$29.00} charge was put on my account. I called TransUnion on XX/XX/XXXX and was able to cancel the subscription but they would not reverse the first charge of {$29.00}. I want a refund.

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 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: WA

Complaint narrative:
I created a money transfer transaction on XE.com, on XX/XX/2022, sending {$6000.00} USD to XXXX. I deposited a draft at a XXXX XXXX XXXX branch, into XE ( continental exchange solution ) 's bank account. The {$6000.00} was debited in my account on the next day. Later on when I contacted with XE customer service, I was told they do not accept counter deposit and my deposit would be rejected. My funds would be returned to my US Bank account. However, it's already 4 and half months, I still have not received the funds. I had tons of emails and phone calls with XE customer service, they just told me they were investigating. They could not provide proof they had rejected the deposit, nor they had returned the funds. They could not provide bank tracking numbers. They just kicked ball to XXXX XXXX XXXXXXXX and would not take responsibility to complete the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX RE : Wells Fargo Notice of disputed charge to Account # XXXX Claim # XXXX Dear CFPB, I am writing to dispute a charge of {$400.00} to our business checking account on XX/XX/2022. The charge is in error because a fraudulent service was performed on our lawn and we were a victim to a fraudulent scam. XXXX XXXX, the alleged landscaper, sprayed various chemicals on our lawn and killed our grass. We were told the lawn was properly fertilized and seeded. Instead, he sprayed toxic chemicals on our lawn, and covered the lawn with mulch and topsoil to cover the evidence. That weekend, it took two days to remove the thick mulch and topsoil on our grass to discover the lawn completely destroyed. It was yellow, brown, and black. Some spots were completely bare. 

We filed an immediate police report on XX/XX/2022 against XXXX XXXX with the XXXX XXXX Sherrif 's Department in XXXX XXXX, CA. XXXX XXXX scammed us by offering a fraudulent service as a professional landscaper. Other neighbors as well got conned and scammed. He has numerous police reports against him with the XXXX XXXX Sherrif 's Office between the dates of XXXX. My police case # XXXX. The XXXX assigned to my case is : XXXX XXXX # XXXX. I also filed a case with the Federal Trade Commission # XXXX. 

Unfortunately, we were victims of a fraud crime. This was a case of bad service, fraud, and services not rendered. We are requesting our payment to XXXX XXXX be refunded back to XXXX based on fraud. 

On XX/XX/2022, I filed a fraud case with our bank, Wells Fargo, within 10 days. Nobody from Wells Fargo called me, emailed me, texted me, or sent me a letter in the mail regarding my case. They did not know any details regarding my case. However, on XX/XX/2022, I was send a letter from Wells Fargo declining my fraud claim. Wells Fargo states on their website they research fraud claims. This was false in our case. We have been customers for over 25 years to Wells Fargo and have never filed one fraud case. We take fraud very seriously and would only file a fraudulent claim if it were 100 % true and accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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