vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I called to cancel my capital one venture x credit card ending with XXXX to get my annual fee fully refunded. The representative helped me say I will get my annual fee back because I was within their time limit. The representative confirmed my annual fee charged time. The representative also explained how long the refund would take. 

On XX/XX/XXXX, I called again to follow up on my refund process. The representative also assured me that she would escalate the case and I would get my money back because it was within 40 days. She confirmed my annual fee charge time and card closure time. However, on XX/XX/XXXX, I was told that after review, I would not get my annual fee back because I closed my account 42 days after the annual fee was charged. 

I was misled by two of the representatives and left without a product to use and paid a whole year of {$390.00} annual fee. I demand to get a refund of my annual fee and ask capital one to not making customer to paid for their lack of coaching on their employee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
O had my wallet stolen and thief was able to use the funds on my platinum card visa in the year of XXXX  around XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2023-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/23 I received an alert that an account was entered on my credit report by Southwest Credit Systems. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you. Therefore, i demand that this entry be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''

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 2023-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Today XX/XX/2023 I read the close complaint that stated we no longer need help with our mortgage. The complaint no. is XXXX. That is NOT TRUE. I call XX/XX/2023 for the status of the Loan. I didn't see no notes in the systems that stated XX/XX/2023 date Covid19- Forbearance would end associate said he could extend it by removing the XX/XX/2023. I said okay. This morning I look the account up and it was no notes in the system the only thing that was there was XX/XX/2023. It didn't say what XX/XX/2023 meant. I immediately tried to get in touch with a customer service an inform them to put the Loan back into Covid-19 Forbearance for XX/XX/2023. A previous customer service stated it was there. I went on line and did a history to pull it up, but I didn't see one. Nor, was a history stating I said close the account. I was on Carrington 's website and I didn't see any information telling Carrington to close the account. Since I didn't see anything and after this complaint was close. I am sure this is a miss understanding. I'm hoping once the error is corrected I will be able to go back to Carrington 's website so I will be able to physically see it in the timeline. follow the timeline. I see it didn't take the Resolution Specialist long to take advantage of the error by staying I said every thing was fix and closing out that complaint. 
I kept calling trying to get a customer services, but the recording stated the office was close. As of XX/XX/2023 I am asking Carrington Mortgage to put this Loan back into Covid -19 Forbearance until XX/XX/XXXX, XXXXWhere it was originally to started. Per Customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo opened a checking account in my name without my consent and then charged me fees for not holding a balance in the fradulent account. This issue occured some time ago, but I am certain they have the records.

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 2023-06-17 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: NJ

Complaint narrative:
RE : Last XXXX XXXX To whom it may concern, I, Your Name, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-06-17 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: CA

Complaint narrative:
My information on my credit report. This began XXXX of XXXX to current.There is four aliases and a address i disputed and its back on my credit report:XXXX XXXXXXXX XXXX XXXX, ca. As well as inquires, making fraudulent consumer complaints. I have been disputing all this stuff since XXXX of XXXX under my experian, XXXX, and XXXX. There was a business credit alert on my experian account in XXXX. There are several fraudulent business credit lines under two of my business XXXX and XXXX XXXX 
My name is XXXX XXXX XXXX. My order of protection XXXX including my original documents of release from XXXX  as well as a copy of case docket were exposed on dark web and public. I picked up a copy of my case docket in 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
Consumer complaint received 2023-06-17 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
On XX/XX/2023, I contacted Apple Card asking them to refund a {$220.00} credit balance on my account. Their customer service informed me that it would take approximately 8 days for the money to reach my account. This is unfair for it to take that long to electronically do a refund refund. When I owe them money the funds are immediately withdrawn. I asked them to expedite the process since I was experiencing a hardship. They refused to accommodate my request. 
This blatantly unfair to me the consumer. I suspect they are playing games with my money and holding on to it so they can make more money. It simply is not in their interest to promptly do a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: RI

Complaint narrative:
I'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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: RI

Complaint narrative:
I'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

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 2023-06-17 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I recently filed a complaint with CFPB ( # XXXX ) against Vanilla Gift Card regarding XXXX {$200.00} gift card. I received an email today from CFPB that my claim has been closed due to InComm expediting a replacement card through FedEx. This statement is FALSE and fraudulent!!! Not only have I not received a replacement card but InComm does not have my mailing address so how can they FedEX me a replacement card??? This is deceptive and this company should be shut down for lying to a government entity to close a claim. I am asking that I receive my replacement card electronically ( e-gift card ) sent to my email address XXXX for {$200.00} to cover the cost of the damaged card I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This debt is not mine nor have I provided written permission for use of my private information. The referenced account is not related to any transactions by me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX i have A debt collection account that's reporting nagative on my credit report. the debt collection account is not mine it shouldn't be reporting on my credit report at all. I was appyling to obtain lines of credit but i kept getting denied because pf this negative account, i just want the cfpb to resolve the issue. 

Accounts : XXXX XXXXXXXX

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 2023-06-17 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: FIRST HAWAIIAN, INC.
State: CA

Complaint narrative:
I recently discovered a late payment entry on my credit report for my FHB auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from FHB regarding the missed payment.

Throughout my history with FHB, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from FHB alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with FHB. This isolated incident does not accurately reflect my commitment to meeting my financial obligations.

I genuinely value the relationship I have built with First Hawaiian Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from FHB in evaluating my request.

Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that may be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 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: RI

Complaint narrative:
I'm a victim of identity fraud, my identity and personal information was used to fraudulently open accounts

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
UNAUTHORIZED HARD INQUIRES on my credit profile XXXX XXXX XXXX on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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
Consumer complaint received 2023-06-17 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 — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX, I have made 3 purchases with my paypal account - PAYPAL AMOUNT - PAYPAL BALANCE - ( paypal debit card ) on XXXX XXXX, of {$35.00} each, however, I do have a paypal credit as well, associated with my paypal balance. 
On that credit balance I was charged {$35.00} XXXX as well on XXXX XXXX, which makes it 6 charges of {$35.00} ( 3 from my paypal balance- which I authorized- but another 3 from my paypal credit balance - I ONLY AUTHORIZED 3 CHARGES - NOT 6 ). 
I have contacted Paypal various times in the last 2 weeks, by phone, chat, email, online through the website and my app, but they refuse to respond and address this issue. 
When I call, they send me a link to chat with them, when I chat with them, they send me a link by email, then they say to go through the app., etc. nobody wants to be in charge nor address the issue, everybody points the responsibility to somebody else.

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