vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
on XX/XX/21 I went online and requested for a credit limit increase. I received a message stating that I will receive something in the mail 2-3 days. I received an email stating I have a new document in my capital one document folder. the letter was regarding my request for increase why it was denied. The letter stated I was denied because my recent payments are to low. I pay my credit cards balance off every month, I even make multiple payments off some months splitting what's due in have and making 2 payments. I called Capital One and was told to retry that its computer driven for the response and that it was nothing she could do. I always have an issue with Capital One regarding this account. They don't increase the credit limit automatically I have to manually request for one just to get denied, And I do not want to keep requesting a increase do I do not want my credit to keep taking an hit and be affected. They don't even look at what you are talking about it feels like the are reading a script to get you off the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX or XXXX XXXX continuously fails to report the updated balance for my account to the credit bureaus. I had to file a dispute with the credit bureaus in XX/XX/2021 because XXXX XXXX or XXXX XXXX failed to report my updated balance that showed on my statement. The same problem reoccurred in XX/XX/2021 and XXXX XXXX or XXXX XXXX didnt report my balance as shown on my statement. This has caused me to be denied for credit. Ive contacted XXXX XXXX or XXXX XXXX and they told me theres nothing they can do to fix the issue. I spoke with XXXX at XXXX XXXX or XXXX XXXX on XX/XX/XXXX at XXXX XXXX Pacific standard time in reference to the issue and he provided no resolution. This is a violation of the fair credit reporting act.

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 2021-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to the Bank of America ATM at XXXX CA and deposited {$5900.00} all at once, I know, the ATM says 40 bills at the time, I apologize for that. For some reason the ATM started acting weird and making some weird noises, after a good few minutes waiting for the ATM to be done I get a screen that says to type in my deposited amount so I said {$5900.00} so I never got my money back from the ATM. 

I went to my online banking to see only {$400.00} deposited so I called the bank and talked to a Bank of America representative ( XX/XX/21 ), somehow the disputed {$5900.00} became {$5600.00} without my knowledge, I have a messages from XX/XX/21 at my Bank of America online and see that the disputed amount became a final {$4600.00} missing {$1300.00} from the deposited amount and it seems Bank of America don't care because they already took their decision on their favor. 

I know machines are awesome but we can't relay on them all the time.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to know how a company as big as Experian that has control over the financial situations of people has absolutely no way to talk to a person. How is that allowed by any financial institution? I want you to call Experian and try to get a real person .... please. After an hour you will give up because you simply can't Issue and order of events 1. I want to place a freeze on my account.

2. I go to the site and log in 3. I can't log in because it wants to send a code to an old phone that is no longer active 4. It tells me to use security questions instead.

5. The security question window pops up and then is immediately redirected to a " Oops we are sorry page '' and gives a support number.

6. That support number is an automated system that has no options to solve the problem I need 7. While almost every single company in operation will try to resolve your issue and then ultimately send you to a representative if it can't not Experian. The automated system says, Sorry I can't help you.. press 1 to end this call.

Let 's imagine for a second I am in a dire financial situation and needed to place a freeze or unfreeze on my account... well good luck.

There is no way it should be legal for a financial company to operate in a way that makes it impossible for customers to contact someone to get a resolution. Its borderline criminal in my opinion.

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Wayfair Is the company I paid it through a settlement wayfair is run by committee bank I have tried for 3 and a 1/2 months to get this corrected on my credit report and they have not corrected it

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Metro Area Collection Service, Inc.
State: FL

Complaint narrative:
The companies Metro area collections services llc, and XXXX XXXX are falsely reporting amounts owed by adding fees and who knows what else. And attempting to extort me, originally tried collecting XXXX now want over XXXX XXXX. Metro area collection service is conducting illegal debt collection harassment by reporting whatever they want. without supervision, this company will continue to attempt to extort consumers. action needs to be taken original debt XX/XX/XXXX Total : {$1000.00} current debt : XX/XX/XXXX total : {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Late Close XXXX  XXXX XXXX {$0.00} Collection XXXX XXXX XXXX  ( Original Creditor : 09 XXXX XXXX XXXX  ) XXXX Balance : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Account is closed for not following the TOS they are not telling me what I did wrong our account has been found to be in violation of our Terms of Service and has been closed. While you are still able to access your account and may cash out any remaining funds, all other features, including the Cash Card, have been permanently disabled. 

I dont have specific reasons why, but you can view our Cash Terms of Service at XXXX XXXX XXXX for possible reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX will not respond to open CFPB cases and an open complaint to the XXXX. Transunion for some reason will not allow me to dispute any errors on my report. So this is the only place I can come to report problems on my credit report. Currently XXXX XXXX is reporting that I have an an outstanding balance of XXXX on my account. This account has been paid in full and has a XXXX balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I have Positive Pay for checks enabled on my account. This means that no check should be able to be cashed without my prior approval. I have had 10-15 fraudulent checks attempt to be cashed in the last 2 months. All of them have been rejected, until now. 

On XX/XX/2021, two fraudulent checks were cashed for {$9500.00} and {$4200.00}. I received no notification for these and did not approve them. 

On XX/XX/2021, I noticed these checks and called Chase customer support. Technical support told me that it was a bug on their end and the checks should not have been cashed. After an hour and six cold transfers, I was speaking to the check claims department about reversing the checks. After questioning from the agent, he put me on hold and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My complaint is addressed to the CFO, CEO, Registered Agent and/or their direct agents of Citi Bank . I have become aware of certain violations and would like them addressed and rectified. The application states that you are loaning me credit. This does not appear to be within your scope of practice. Where is the credit coming from? 
I am studying my rights and consumer laws and upon reading Regulation Z. Title 12 US code 24 paragraph 7 states ; " Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. '' I then came across the Case Laws listed below ; In the federal courts, it is well established that a national bank has not power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 11 F 2d 83, 271 U.S. 669. 

A national bank has no power to lend its credit to any person or corporation. Bowen v. Needles Nat. Bank, 94 F 925, 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. 

Mr. XXXX XXXX said : The doctrine of XXXX XXXX  is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked too often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 103 Wis 125, 79 NW 229. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 194 NW 430.

It has been settled beyond controversy that a national bank, under federal law being limited in its powers and capacity, can not lend its credit by guaranteeing the debts of another. All such contracts entered into by its officers are ultra vires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 133 SC 202, 130 SE 759 ( 1926 ).
It is not within those statutory powers for a national bank, even though solvent, to lend its credit to another in any of the various ways in which that might be done. Federal Intermediate XXXX XXXX XXXX XXXX XXXX, 33 F 2d 841, 842 ( 1929 ).

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 2021-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am, the consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ) and 16 CFR 433.1 ( b ) in fact, natural person, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES Taken an adverse action , and violated 15 USC 1681m, 15 USC 1681a ( k ) and 15 USC 1691 by not disclosing the required information about the creditor and the original creditor under the Equal Credit Opportunity Act and the Fair Credit Reporting Act./// XXXX  XXXX  XXXX and MERCEDES BENZ FINANCIAL SERVICES did not clearly and conspicuously make any statement about the creditor and who is extending the credit, creating false, misleading statement and representation. 

XXXX XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES failed to provide a statement with notice of my consumer 's right as mandated under 15 USC 1691 ( d ) XXXX  XXXX XXXX and MERCEDES BENZ FINANCIAL SERVICES are civilly and criminally liable under 15 USC 1611 for failure to disclose material facts relating to this adverse action.

Company response to consumer: Closed with explanation