vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2021 I missed a payment on my American Express card for my billing period of XX/XX/XXXX - XX/XX/XXXX. I paid the balance in full on XX/XX/2021 ( 2 days late ). I was charged a late payment fee of {$29.00} and interest of {$120.00}. I was charged an additional interest fee on my XXXX statement of {$110.00}. When I called, I was informed that this was trailing interest. Apparently as soon as the balance was paid on my XXXX statement, the remaining balance that I was incurring on my XXXX billing period became subject to interest. I was not informed that was the case as typically I can carry a balance as long as my statement balance is paid off. Therefore from XX/XX/XXXX - XX/XX/XXXX ( when I paid my statement balance in full on time ) I was charged interest on the balance. So, for 2 days late and 11 years as a card holder with on time payments, I incurred total fees and interest of {$260.00}. The late payment fee, interest on XXXX late payment, and 2 days of interest on the payment make sense to me. Starting interest accrual on XX/XX/XXXX without informing me, XXXX be company policy, but is abusive and excessive. For 2 days late I paid 2 MONTHS interest. 
Interactions with Amex - 1. Called and asked to waive- they waived the {$29.00} fee and explained to me the XXXX interest fee. I told them that I thought it was ridiculous to charge me 2 months of interest for 2 days late, but was informed it was company policy. I said that I would cancel my card and file a complaint. I was transferred to cancellations. 
2. Cancellations again explained the trailing interest to me and offered me a {$15.00} credit if I kept the account open. I declined. They offered me a {$75.00} credit if I kept the amount open, spent {$2500.00} in 90 days and kept it open for a year. I agreed, but in retrospect it seems that I lost and they won in this situation and leaves a bad taste in my mouth. I also spent an hour of my time on the phone. What a waste.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at capitol one and also XXXX XXXX. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 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: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
XX/XX/2021 and XX/XX/2021. A person tried to apply for a credit card in my name at XXXX XXXX and also Nordstrom bank. I did not do this. I just turned XXXX. I do have an idea on who did it. I called the company and asked what can they do. They said nothin and to call the credit bureau. I called them and they said i have to pass an authentication factor to update my information. I have never made an account to have information to begin with which gives me the impression that someone already made an account. They said unless i pass the Authenticator i cant dispute the inquiries. I just turned XXXX. I dont know what to do. Ive tried to get a social change and apparently my situation isnt serious enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
ATTACHED IS DEBT VALIDATION LETTER I don't know what account this is and how this company got my personal information which they commited identity theft to get that. I also don't have a contractual obligation to pay this fraudulent account Online in XXXX XXXX # XXXX *Please see attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: KY

Complaint narrative:
I received card from cash app that I did not open. Can not get hold of person to close account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TN

Complaint narrative:
My name is XXXX XXXX and I am filing this complaint against Discover bank on my own behalf, as a Federally Protected Consumer, without any connection or involvement with any third party. On XX/XX/XXXX, I submitted a validation of debt letter asking Discover to provide the following information within ten ( 10 ) days : 1 ) The identity of the original creditor, 2 ) Verification of their claim against me ( a sworn affidavit or a hand signed invoice ), 3 ) Copies of the contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX, the natural person, and Discover Bank, that prove I agreed to pay the alleged amount, and 4 ) Validation of the alleged debt ( the actual accounting. ) I told them in my letter that if they were unable to provide the above information within the 10 day period, then the account must have a zeroed balance and left open in good standing, so as to not cause anymore damage. I also asked for a certified mail copy of such be provided to me for my records. As of XX/XX/XXXX, it has been 14 days since Discover has received this mail, and I have not heard or received anything back besides the certified mail receipt that shows they got my packet. I made copies of what I sent Discover via certified mail and have attached it to this complaint along with the certified mail receipt that shows Discover has received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: OR

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX  OPENED : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-01-07 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: OH

Complaint narrative:
ATTACHED IS DEBT VALIDATION LETTER AND SSC I don't know what account this is and how this company got my personal information which they commited identity fraud to get that. I also don't have a contractual obligation to pay this fraudulent account CAPIO ACCOUNT # XXXX *Please see attached documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late 80 's, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny immigrants mortgages and single moms and they are all connected to practising blockbusting and proits from immigrants to charge higher interests if anyone gets that far

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 2022-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit file has no deliquencies, late paymnts, collection ever but every time I apply for a mortgage loan I get a letter from the bak or broker saying that I have delinquicies, late payments the time of the credit is too short even though I have creit from the late XXXX XXXX, but when I check my report from XXXX XXXX or credit cards its a different story. This is a scam and a way to deny XXXX mortgages and XXXX XXXX  and they are all connected to practising blockbusting and proits from XXXX to charge higher interests if anyone gets that far

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 2022-01-07 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: FL

Complaint narrative:
I have sent this directly to the bureaus and they have done nothing, This is Identity theft and I would like it deleted.

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 2022-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
Shellpoint Mortgage Servicing have been unwilling to accept facts from the XXXX XXXX Bankruptcy XXXX of Alabama. On XX/XX/XXXX in the response to the CFPB complaint filed XXXX XXXX, XXXX Shellpoint stated the loan was past due for XX/XX/XXXX through XX/XX/XXXX. This information is incorrect and can be proven ( Bankruptcy XXXX denying Motion for relief from stay will be forwarded ) This information shows the debtor cured the debt. Shellpoint chooses not to accept bona fide credible errors of evidence made at the hands of XXXX XXXX XXXX XXXX XXXX XXXX without specific reasons to the borrowers. We disputed portions of the debt due to a ( XXXX ) accident the insurance claim was paid to XXXX. We have requested the names and amount/addresses of every creditor that was said to be owed. We have not received the information as to this date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: MA

Complaint narrative:
The following indicated on my Credit Report. I did not attempt to open this card. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-07 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: CA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-07 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: FL

Complaint narrative:
I have reach out to the credit bureaus already and they have done nothing, I have attached accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael J Adams PC
State: TX

Complaint narrative:
someone got ahold of my information and used to purchase goods. i contacted store along with XXXX to figure it out but they never had an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA is trying to put a hold of over {$600.00} on my check of {$1000.00} and some change. They put a hold of over {$250.00} on my last check as well. Before that, no holds on my check since my first one I received midXXXX. 

When I inquired, the first rep ( chat feature ) told me it could be any number of reasons that there was a hold put on my account. The second rep ( by telephone ) said all he could see is my monthly balance was low overall. 

That doesn't add up, since my monthly balance has been low since I moved in midXXXX. I had to use all my savings and bank monies to move/get settled in, so if that is the case why is this just happening a week into XXXX instead of in XXXX when I received my first check? 

They do not have any way to stop this from happening apparently, no reason for it happening, it has caused me to overdraft my bank account- I rectified that and got a refund for a service I was not utilizing and didn't realize would auto-pay yearly. 

I now have a {$14.00} balance on my bank account, so I guess that's all that will ever be put into that account because I refuse to have 2/3 of my check on hold for a week. I only get paid every 2 weeks, this is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my 10th complaint that I am filing against TRANSUNION. There were two [ 2 ] deleted inquiries from my TRANSUNION credit report after my disputes and now TRANSUNION is liable to compensate me with monetary remedy. By deleting the inquiries off my report, TRANSUNION is admitting that their practices are in fact abusive and deceptive. I used my power to speak up as a natural person for the abuse that was being done to me and in turn, TRANSUNION deleted the inquires after I disputed. 

Pursuant to 15 U.S. Code 1681a : -The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

-The term consumer means an individual.

-The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


Pursuant to 15 U.S. Code 1681o, TRANSUNION is liable to compensate me in the amount equal to the sum of damages done to me for the failure of compliance with the requirements under the Fair Credit Reporting Act. 

I have been going at this case for over 100 days now and I will not stop until I get compensated as TRANSUNION is liable by law to pay my invoice.

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 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
On XX/XX/XXXX I was charged {$20.00} by Navy Federal Credit Union due to an overdraft on my checking account. This was done due to their Optional Overdraft Protection Service, which I do not desire. On XX/XX/XXXX I called NFCU to opt out of Optional Overdraft Protection Service. This {$20.00} junk fee was wholly unnecessary as I had more than enough funds in NFCU savings ( share ) accounts to easily cover the overdraft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On or about XX/XX/XXXX a teller in XXXX ( I rarely go to XXXX ) entered a hold to offset a deposit on someone else 's account. In entering the hold, she mistakenly typed in a " XXXX '' instead of a " XXXX '', and the hold was placed on my account in error. Mistakes happen, that is understandable. However, as a result 2 items were rejected on my account. I was charged 2 x {$36.00} in " returned item fees ''. After spending 2 hours over a week on the phone with the bank, they reversed these two " returned item fees ''. However, they refuse to credit me for the charges from the merchant who the items were returned to. The merchant charged me {$25.00} for each item as a " redeposit fee ''. The bank told me I needed to go to the branch, get paperwork, and then go to the merchant and ask the merchant to refund that fee. If this were my error, I wouldn't mind doing that. However, it wasn't my error. Truist put a @ {$250000.00} hold on my account that was 1 ) an error, and 2 ) had nothing to do with me. The least that they should do is cover those bad check fees charged by the merchant. My expectation is that they also contact the merchant and explain that this was an error on their part and apologize on my behalf. I don't want my 800+ credit scores damaged by a bank error. The " returned item '' fees were charged on XX/XX/XXXX and were refunded on XX/XX/XXXX. The merchant charges for the bad check were made on XX/XX/XXXX. I spent about an hour on the phone around on XX/XX/XXXX to find out what happened. At that time I was told that the " returned item '' fees would be taken care of. I called back on XX/XX/XXXX when the items were still appearing on my account and had to spend XXXX minutes on the phone before that part of the problem was resolved. The merchant charges are still 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