vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX, acct. # XXXX XXXX XXXX XXXX , acct. # XXXX XXXX  XXXX , acct. # XXXX XXXX  XXXX, acct. # XXXX XXXX  XXXX, acct. # XXXX Has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Recently opened a new credit card, and they went through double verification to process the account. A week later, they have an error code that was not consistent with the account closure. Stating that there were returned payments. No payment was made. And the due date is not until XX/XX/XXXX. 
Furthermore, they then " said my documents were not valid '', when indeed they're. 
Moreover, my privacy was violated, and a major banking error occured -- which has violated my rights as a consumer and protected class. I feel very much victimized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: AZ

Complaint narrative:
EXPERIAN is reporting the incorrect address. I have attached documents stating the specific information I am disputing, the nature of the dispute as well as documents to verify who I am and my only address.

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 2022-02-24 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I checked my XXXX credit summary and discovered that an unauthorized hard credit hit was made on XX/XX/XXXX by XXXXRocket Mortgage ( XXXX ) ; resulting in a XXXX point credit score reduction on XX/XX/XXXX. That day I placed a call to Rocket Mortgage requesting information on who was responsible for this unauthorized hard credit pull.I was finally connected with XXXX XXXX, XXXX, and explained my concern regarding this unauthorized action.I explained to XXXX that I've had no communications with Rocket Mortgage in the last 12 months and certainly did not authorize any type of credit hit on my account. After requesting an answer to my complaint XXXX asked for more additional time to research this issue, which I approved.Five days later XXXX called to report that after checking his system he could not not find any information pertaining to this issue. After this conversation I filed a formal dispute with XXXX ( XXXX ) explaining that I never requested or approved any hard credit pull on my account and was requesting that my credit score be corrected.On XXXX, I received a follow-up call from XXXX XXXX explaining that a XXXX associated with Rocket Mortgage decided without any communication or approval to pull a hard credit report on my account. XXXX said after a " XXXX minute call '' with this banker, he explained that he pulled my credit file because he thought I might be able to get better rates, again completely unauthorized. 
As stated earlier without any conversation or authorization this banker pulled my credit report resulting in a XXXX point drop to my credit score, and ultimately causing a total drop of XXXX points.XXXX  then added that even though I never talked with or authorized any action to be taken on my account, Rocket Mortgage would not be able to correct this totally fraudulent action taken by this XXXX.XXXX  said that Rocket Mortgage would not be able to correct the illegal action and that it will stay on my record for 2 years. 
The total lack of acknowledging fault and then refusing to correct a problem that they created is totally unacceptable. 
I have filed complaints with the XXXX, this organization and will be filling additional complaints with FCRA and FTC and possible legal action for illegal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX  XXXX XXXX  XXXX, CA to purchase a vehicle. After submitting all necessary paperwork for financing. Gateway One Lending XXXX  XXXX ( Now XXXX ) issued the loan. On XX/XX/XXXX, I received a letter stating that they could not approve the application. I have paid {$22000.00} fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank abruptly closed my checking and savings accounts. I wrote letters to them as required by them and was not given an explanation as to why accounts were closed.

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 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mandarich Law Group, LLP
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX 2022, i have sent Mandarich Law Group, LLC an email and mailed in a letter stating I am going through a extremely difficult financial hardship situation and much more. I paid at least {$1.00} today on XX/XX/2022 the reference number is XXXX. I also stated that I will provide at least {$25.00} dollars per month until my debt is cleared. 

At this moment of time this is really all I have to offer and will do for your law group until things start to change for the better.

I will also send Mandarich Law Group a copy of every statement that contains {$25.00} to their XXXX XXXX in XXXX Illinois. 

Kind regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase Visa card with JPMorgan Chase Bank, N.A. I generally pay my card balance completely on the Statement Payment Due date on-line, using the Chase website. Relying on the Chase website, I clicked on " pay card in full '' option on XX/XX/XXXX ( my statement due date ). The website informed me that my statement balance was paid in full. 

On XX/XX/XXXX, I received my paper statement that showed {$120.00} in interest charge. I called Chase customer service and asked for an explanation. I was told that if there is a purchase pending, even if it DOES NOT SHOW UP ON THE CHASE WEBSITE, it attracts interest, and interest is charged for that purchase and any new purchases between XX/XX/XXXX ( my Payment Due date ) and XX/XX/XXXX ( my Statement Close Date ), as well as other purchases during the Statement period. 

The total amount of purchases on my card from XX/XX/XXXX to XX/XX/XXXX was {$410.00}, but interest was charged on {$11000.00}, amounting to {$120.00} When I asked Chase customer service how I could avoid this problem in the future, she told me I could select " automatic statement balance payment '' from my mobile device. I declined.

I asked why I could not rely on the Chase website to accurately show the amount to be paid on my Payment Due date to avoid such interest charges in the future, she had no answer. I suspect that other credit card companies do the same thing with with on-line payments. In the best light, the Chase website is misleading, in the worst light, it is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
I have filed a dispute with the credit report and it has been well over 30 days. I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-02-24 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received an email stating that I had a statement for my Avant card. Given that I had paid this acct in XXXX of XXXX I was not expecting to have a balance. Upon logging in I see that there is a charge for XXXX XXXX XXXX for the amount of XXXX made on XX/XX/XXXX. I immediately call customer service to report this. I was told that they would forward the information to the frauds department and issue a new card. On Tuesday XX/XX/XXXX I call just to check on the status as I have not seen any type of credit issued to acct to cover charge pending the conclusion of the investigation. I had to call multiple times as the agents would hang up on me. When I finally got ahold of someone they said I would need to make the minimum payment pending the investigation and that my acct would later be credited. But that makes no sense. If my acct would be at XXXX  how would they credit another XXXX dlls to it? I asked to speak to a supervisor. I was hung up again. When I called again I was told that I would need to be added to a wait list as the call waiting times were long. Next day I received an email where I was information that a supervisor tried to contact me. I immediately replied saying that no such thing had happened. Received another email stating I was placed again on the callback list. Today we are on XX/XX/XXXX XXXX central time and I have yet to receive any callback to find a resolution to this issue. This horrible company needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: OR

Complaint narrative:
On XX/XX/2022 I got paid my monthly check of XXXX I went to town to buy what I could afford for the month and pay bills I ended up losing my wallet I went home went to bed by morning still no signs of finding my wallet so I called the ace elit card automated system to check bal and cancel my card well there had been XXXX $ dollars spent from my card and but was still pending I called emedietly to figure out the what was going on the there had been money spent on there I did not do of a western union of sorts to a foreign country they told me at net spent I had to call back the next day of XX/XX/2022 because that it was still pending in so thats what I did they filed the dispute but told me I had 10 days to mail them a typed or written letter to dispute the unautherized transaction on my Card well I did exactly what they asked of me and they told me that I did not send them the typed letter they asked for with in 10 days witch I mostsertantly did on XX/XX//2022 is the date they told me to write the letter in 10 days so they can temporarily pay my funds back to me until the most wait of 90 for them to investigate my case and I'm now sitting in the hole XXXX dollars and they claim by mail Ed letter saying I did not compli with in the 10 day mark and I have a email poof that I did XXXXomplie just yesterday I got the letter in the mail XX/XX/ 2022 I emailed them back sending pics of my inbox sent out box and what I got in the mail they replied stating that that dispute was not from card holder well I'm pretty sure I am the card holder and I'm positive that was my email they got that from but it wasn't the card holder that sent it?????

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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I sold a truck on XXXX for {$13000.00} and took a personal check from a family I know well and are large farmers in my area. I have no doubt the funds are available for the check to clear but I also know banking regulations since I have worked in the banking industry for multiple years and know compliance and BSA cause that is my job. I knew the check would have a funds availability hold placed on it due to the amount the check was for. I was told at the Wells Fargo drive up that a hold would be placed on the check and the funds would be available on XXXX because of the holiday. Only {$400.00} was made available up front even though I had about half the amount of the check in my accounts already. Whatever, I didn't need the money right away but for a down payment on a new vehicle. The dealer ship was understanding and said to bring a check in on XXXX, awesome! XXXX my funds are available so I transfer money to checking from my savings to get the total for my down payment. I check my phone the morning of XXXX and have a notice from Wells Fargo that states my funds in the amount of {$13000.00} are not available and on hold till XXXX because the " signature on check was irregular. '' My account is now {$13000.00} less. I call the number supplied by Wells Fargo and am in touch with a banker who just keeps telling me my funds will not be available till the 3rd and it is on a 5 day hold. He can not answer why the money was available one day and then is taken away the next. My complaint gets elevated to another person who is sympathetic but instantly send me to the fraud department and answers none of my questions. Once I get a person on the line from the fraud department I've been on the phone for over an hour. She says she can try to see if the bank the check is from can tell her if the funds are cleared or not. The bank the funds are from, XXXX, does not participate in the program Wells Fargo uses to confirm this, XXXX? I don't know what she is referencing. The customer service rep tells me I need to have the person who wrote the check verify with his bank and get proof the funds are cleared and fax it to Wells Fargo. If that happens they will release the funds before XXXX. None of this seems correct to me and I could be in a world of trouble if I would have been writing checks to people on XXXX when my funds were available. In today 's world it does not take the full 7 days to receive funds and the funds should be released as soon as the bank receives them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have sent dispute letters to Department of EducationXXXX XXXX They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of EducationXXXX is not reporting accurate information. On my XXXX and Transunion credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of EducationXXXX XXXX is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of EducationXXXX must comply to any provisions to make my credit report compliant.

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 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
XXXX I initiated a complaint XX/XX/XXXX through this service Today I received an email informing me that my case had been resolved and closed. They actually included a bill that was a final bill to service which I subsequently took responsibility for. 
I want this case reopened and that proper documentation be provided to me to prove that the debt owed is actually mine. 
What they need to provide me with 6 months of prior bills as well as 6 months after the bill they included in their response. 
Furthermore they will need to explain the existence of a letter they sent on XXXX XXXX, XXXX alerting that XXXX  was owed them, meanwhile they are claiming $ XXXX in 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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is regarding a previously report incident XXXX. In short, Chase Slate rejected their initial resolution after sending confirmation, claimed I refused and rejected the resolution by closing my account.

About 2 weeks after I received a resolution letter stating the balance transfer would be reinstated with the promotional APR, my transaction was suspiciously " rejected '' by the payer. I called my the other bank, who confirmed that the transfer was rejected by Chase.

My initial balance transfer was returned along with the fees and payments, for the exception of one of the interest fees that was incorrectly charged to my account. My now closed account sits at a negative balance ( that I am transferring out to a checking account ) short of the incorrect interest fee that was charged and never refunded as the previous CFPB incident resolution claimed. 

The lack of competence among the customer service and issue resolution teams is astounding. Do not use Chase Slate - their teams can not do basic accounting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I do not consent to any of the following closed accounts and Inquiries being reported on my consumer report for Experian, block and remove them. XXXX XXXX XXXXXXXX, balance {$510.00}, opened XXXX, XXXX XXXX XXXX balance {$0.00}, opened XXXX. XXXX XXXX XXXX balance $ XXXX. XXXX XXXX XXXX, balance {$1300.00}, opened 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