vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A notarized/certified letter requesting validation of debt / proof of claim which by Federal Law I am authorized to do, was sent To : Capital One Attn : XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX I believe because of the information I was specifically requesting would show full disclosure of a debt not owed and possible security fraud my account closed immediately after. Adverse action was taking against me and as a retaliation Capital One closed my account out. I have other accounts with Capital One that are open and have no issue with doing business. Therefore I am unclear as to how " activity on the account is not consistent with their expectations ... '' This was indicated in a response computer generated letter dated XX/XX/2023, without an officer signature as I also requested. The exactly activity needs to be fully disclosed to me which is also a Federal Law in which Capital One again chooses to not abided by. I then filed a complaint because my account should not have been closed nor did I give Capital One permission at anytime to report my information for the 3 Credit Bureaus. On XX/XX/2023 yet again a computer generated letter was sent stating my account has been placed into cease and desist, which means that Capital One will not communicate with me to collect on any debt owed. Again Capital One goes against Federal guidelines and I have statements each month since then requesting to pay on a debt. I should not be receiving anything communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, someone claimed he purchased 3 items from XXXX using my Wells Fargo Credit card double cash card ending with XXXX. Two were pre-approved ( {$1000.00} and {$890.00} ) and 1 denied ( {$1900.00} ). 
I got an alert email from Wells Fargo about the transactions on the same day XX/XX/XXXX. 
I called, on the same day XX/XX/XXXX, Wells Fargo customer service, reported that I dont have anything to do with these 3 transactions, filed a claim and immediately changed my credit card number. 
A few weeks ago, I was shocked to receive a letter from Wells Fargo stating that 2 transactions were approved. 
I filed another dispute with Wells Fargo. I provided more documents about the issue. They refused again. 

I have had an XXXX account since XXXX. I never had any such issues. 
I provided Wells Fargo the following : * ) All my XXXX purchases since XX/XX/XXXX to XX/XX/XXXX in a pdf file. 
All my valid XXXX purchases have a valid XXXX order number in the description ( XXXX ) The 2 fraud charges descriptions on XX/XX/XXXX dont have such a valid XXXX order number. Talking to XXXX fraud department, they mentioned legitimate XXXX orders always show the XXXX order number on my card statement. 
Why Wells Fargo didn't contact XXXX and check on all my XXXX transactions? They have all my information. 
Plus I called Wells Fargo the dame day ( XX/XX/XXXX ) to cancel the 2 transactions. They didn't. Why they cancelled one transaction on XX/XX/XXXX and approved 2 transactions? 
Wells Fargo never told me what was purchased on XXXX XXXX by who? shipped to where? I asked these questions more than once, no answer. 

I talked to XXXX fraud activity department ( XXXX XXXX XXXX or XXXX XXXX XXXX ). They also confirm that I didnt have any transactions around XX/XX/XXXX. 
* ) I filed a police report. 
* ) I filed a report with FTC. 
* ) Next I will go to court if this is not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
Unauthorized activity identified in my credit report with Capital One on XX/XX/2023. I called them to request they remove the hard inquiry from my report and the application submitted was not from me. 
Capital One assured ne tgey would report tge incident and have tge hard inquiry removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: NY

Complaint narrative:
Equifax has obtained my information unlawfully, Equifax and sharing my information without my written instructions to do so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A private ledgering instrument was sent to AMERICAN EXPRESS Card Services for the account number XXXX, they credited my account for {$10000.00} for payment sent in May and processed the XXXX of payment on XX/XX/XXXX which was the XXXX of payment of {$10000.00} has since been reversed on XX/XX/XXXX over 60 days saying it was declined, I've ask American Express to please return XXXX of payment and documentation of the decline XXXX of payment so that I may address the issue of payment, instead they have kept said XXXX of payment and have since securitized it and no longer possess the XXXX of payment. 
Please see the attached sample of all documents and the need to correct their billing error. I have also instructed AMERICAN EXPRESS Card Services to contact the IRS commissioner if they do not understand what to do with XXXX sent for this account # XXXX. Re : XXXX OF PAYMENT TO CREDIT ACCOUNT In the matter of XXXX XXXX XXXX, Account number XXXX, concerning CREDIT on account and as of to-date my account is still missing the XXXX  of payment of {$10000.00}. I also sent an additional XXXX of payment of {$15000.00} and it was received however when I logged onto my online account I did see where they have the {$15000.00} in XXXX and that is also attached, Then I sent a payment by money order of {$15000.00} and that was never credited nor returned. Now American Express has over {$40000.00} in XXXX of payment credits not applied to my account. In XXXX of XXXX, another form of XXXX was sent in the amount of {$40000.00}, hereinafter XXXX, for the credit of Account Number XXXX, hereinafter ACCOUNT was e-filed with the Internal Revenue Service, and duly accepted by same. IRS acceptance notification received, by the Undersigned, on XX/XX/XXXX. Therefore, XXXX XXXX XXXX, requests that the balance of the ACCOUNT be adjusted to reflect the ledgering of said XXXX  of {$40000.00} and the XXXX of {$40000.00} accepted by the IRS to send credit to AMERICAN EXPRESS Card Services. Please note that contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ). XXXX XXXX XXXX has XXXX private credits through the use of XXXX XXXX XXXX XXXX account to credit this matter. There is no intent to act in any fashion other than to properly reconcile the books and credit the matter accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: NJ

Complaint narrative:
I have been on hold with Nelnet for over 3 hours now, simply trying to ensure that my loans get consolidated into one so I dont have multiple charges from my bank account next week. This is the second time Ive called them and last time I was also on hold for over 2 and a half hours before I eventually had to just hang up. I do not have enough time in my day to stay on hold for hours, staying alert to make sure I dont miss an operator finally answering. There isnt a call back option either, and I cant get this done on the website as it says I have to call for this. Im not sure what else I can do but Im still on hold and its approaching the end of business hours, so Im concerned Ill have to do this all over again tomorrow with no guarantee of an actual human answering the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-10-02 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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:
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello my name is XXXX XXXX XXXX a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station XXXX ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me XXXX ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My husband and I left town on a family emergency. My husband XXXX XXXX and hurt himself broke so a XXXX in his neck and tube on his back and he is XXXX XXXX XXXX during the drive back from DC. We had purchased gas for {$32.00} at pilot. Thought everything was OK. Drove home, the next day my husband got a text from PNC fraud department asking or the charges they included in the text with charges that he made he reply. No I didnt call the bank to dispute their mouth within a week or two. They emailed back and said they believe the charges were correct Yet theyre the ones that notify us they were suspicious of the charges because its unusual it shows a {$32.00} charge for gas within seconds {$150.00} even at the same gas station then not long from that a {$30.00} and something cents at XXXX XXXX another XXXX something dollars and {$120.00}. My XXXX XXXX an XXXX XXXX theres no way we can put {$32.00} in gas {$30.00} in gas {$150.00} even in gas during this process. I looked into our account and noticed that there were other charges so I put a dispute in. Yes we have been to these places before however, we did not make these charges the second time The bank automatically assume that we did it and they said they did a thorough investigation I know for a fact that someone can take your pin number and create a card with a chip and fraudulent use your account. Including multiple quick withdrawal as fast as they can, or purchases. I even offered for them to go ahead and request video for the Places to verify its not us the person I talk to said she was gon na record this conversation for quality purposes then I told her that I would like to record the conversation for proof she said she will cease and not discuss it with me any further and refuse help and continuously put me on hold, and she told me are you threatening me because I told her that I believe it was unfair and that I would probably post it on social media so that other people know about fraud they withdraw the amount on my account to cover for fraud charges that I had nothing to do with

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This is a continuation of a complaint against Bank of America. The previous complaint was XXXX. Bank of America refused to assist in recovering the funds that were stolen. Reports have been filed with the FBI XXXX. 

I was the subject of a business e mail scam described in previous documents. 
Bank of America contributed to my loss of {$25000.00} in this scam. At my direction, XXXX wired {$25000.00} to a Bank of America account that was the recipient of the money. 

Bank of America is responsible for this loss and I am seeking reimbursement. Bank of America did not vet the customer and then would not provide information about it. 
To open the account at Bank of America, XXXX law requires documents to prove that the owner of the account can open such an account. Bank of American refused to share this information when the complaint was first filed, and said I would need a subpoena. This has resulted in undue delays and the probability of never recovering the funds. 
Bank of America needs to refund the {$25000.00} loss to me as they caused this loss by not vetting their customer who was obviously a criminal/scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: FL

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.

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 2023-10-02 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: FL

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
In early XX/XX/XXXX, my payment amount on XXXX was added for the XX/XX/XXXX loan payment re-start. This payment amount was incorrect -- it should have been the same payment I was making prior to the payment pause but instead was double what I had been paying. I had not recertified my income so there's no reason it should have changed. 

I took the advice of the Mohela website and waited to see if they would update my payment amount when they sent a billing statement and this never happened. I called to inquire on XX/XX/XXXX and after waiting XXXX hours for a call back, the Mohela representative had no idea why Mohela had my payment listed as twice the amount it should have been. The customer service representative suggested I recalculate my XXXX payment amount, which I did on the phone. She said it would take XXXX business days to process. It has now been XXXX business days and it has still not been processed. 

I received a billing statement on XX/XX/XXXX for the incorrect amount. The billing statement listed a payment due date of XX/XX/XXXX and was backdated to XX/XX/XXXX ( billing statements are required to be provided XXXX weeks ahead of the payment date -- Mohela did not do this and inaccurately backdated my billing statement ). 

Around XX/XX/XXXX my payment amount was updated on Mohela.com to a lower amount, but my billing statement was not updated to reflect this. I attempted to pay the amount due on XX/XX/XXXX so my payment would not be delinquent, but when I tried to pay it the payment not applying the amount due across all loans and instead just to some of the loans which would prevent the payment from applying to my PSLF count. 

On XX/XX/XXXX, I tried to call Mohela to discuss. I have been on hold for XXXX hours so far and not been able to talk to customer service. 

Additionally, I submitted an updated XXXX certification form at the beginning of XXXX. It has been a month and my payment counts have not been updated. 

This is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation