vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hi, I would like to dispute a charge made with a {$100.00} XXXX gift card that was given to us in XX/XX/2022. We reside in the XXXX XXXX in CA and attempted to use it on a trip to XXXX XXXX, but was denied during the transactions. We called the number at the back of the card and according to the XXXX customer service, an unauthorized purchase was made in XXXX, CA shortly after the XXXX gift card was activated. We contacted the merchant directly to settle the transaction and were told to fill out a form. We filled out said form and sent it in XX/XX/2022 and waited the 30-90 day window and have gotten no updates despite calling merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FTC REPORT WAS SENT VERIFIED TO TRANSUNION AND THE COMPANY HAS RESPONDED BY SAYING THE ITEMS REPORTED ARE VERIFIED AND UPDATED. THEY NEED TO LOOK AT FTC REPORT AND REMOVE INACCURATE INFORMATION. 



ACCOUNT - XXXX  XXXX # XXXX XXXX  - 15 USC 1681e ( b ) Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this item.

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 2022-12-07 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:
I have auto pay with my Capital One Quicksilver account, and it makes automatic payments for me. I dont use the card very often, so my statements are usually very low. 
My XXXX XXXX XXXX account was hacked, so they changed my bank account, and for that reason the autopay with my Quicksilver card didnt go through. 
Capital One charged me a {$25.00} fee for that, so I called them to have the fee reversed. They reversed the fee, and I paid my remaining statement, which was ONLY {$39.00}! Then, this month, Capital One charged me an another {$40.00} fee! They said that I should have made the full payment of the statement, even with the fee they reversed! I called multiple times, and no one is willing to reverse this nonsense! The greed of those people is unbelievable! 
I canceled the card, and will refused to pay for that fee. I want to make my complain here, and will proceed with a legal suit to Capital One if they harass me to pay for this fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX / XXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive disputed with experian, XXXX and TransUnion about 4 accounts on my credit file, Per the FCRA they have not provided me any documentation on file to verify that the information is mine and correct, I have written this company 2 times. I have disputed with the collection agencies XXXX XXXX and XXXX XXXX XXXX also.These companies have failed to provide me any evidence, beating my signature, showing that the account is being reported accurately. All they have provided me is a copy of a bill. Per the FTC a printout of a bill or itemized document does not constitute verification. please help me resolve these issues that I am having. 



The accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXy 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 2022-12-07 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: TN

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hi, My name is XXXX XXXX. On XX/XX/2022 at around XXXX XXXX  I got a notification that someone logged into my Chime account and was sent a 6 digit code. By XXXX XXXX  {$560.00} was sent to an email : XXXX. This person transferred my remaining savings balance into my spending account and sent all of my money ( leaving XXXX XXXX XXXX to that email. I immediately cancelled my card and changed my password but it was too late. I got a notification that money was transferred to that email. I immediately cancelled my card and reset my password. I sent proof to Chime but they denied the dispute and said there was " no error found ''. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
I lost my job at the beginning of COVID about 2 years after the death of my wife and the birth of my XXXX  boys. I have a VA loan so it's federally guaranteed, and any missed payments were supposed to be tacked on to the end of the loan. Well every time I tried to get the loan out of forbearance they would send me paperwork that has my wifes name on it, I sent them the death certificate in XXXX of 2020 in my first attempt to get out of forbearance. They still to this day have not produced documents that do not have my wifes name on them so they sent a notary out to my house on two separate occasions who was supposed to view the death certificate and note that she was deceased and all would be good. Both times it was denied by the underwriting department. Now they have changed from the forbearance deal where missed payments get put on the end of the loan to a 7.5 % ARM from my 5 % VA because I " didnt get it done in time ''. 

They just sent me another set of paperwork, again with my wifes name on it, so they want me to do this rodeo yet again. And every time I do it it causes more and more problems with the loan servicer, Penny Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-12-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my 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 non-monetary relief
Consumer complaint received 2022-12-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hello, I am reaching out in regards to a dispute I opened up with Wells Fargo. This dispute was for hotel stay at XXXX XXXX XXXX ( XXXX ), I booked through XXXX for a trip to XXXX, I originally booked a stay at this hotel through XXXX to ensure that if I had any trouble they would be able to help me but it seems they are offering no help when it comes to disputing this charge even though I was assured that I would be able to get my refund by the hotel staff. The other members of the group I was traveling with also had the same issues and they were refunded for the stay. ( See Attachment ) Since XXXX was not helpful I disputed it with Wells Fargo. The reason for disputing this charge is because I did not stay at this hotel for the entire booking due to hotel conditions. The rooms were filthy, much smaller than advertised. XXXX units were not working properly and bugs everywhere. 

The Wells Fargo card is the XXXX which is a XXXX XXXX card. XXXX is also stating that they can not help me get a refund because I stayed at the hotel past 15 min but I had no other options. We arrived at around XXXX XXXX in a country that we are not familiar with so it would have been impossible to find anywhere else to stay. 

I have been disputing this charge since XXXX and still have not been helped. Wells Fargo constantly sends my dispute from team to team stating they can not help me, reject tej dispute or tell me to reach out to the merchant which is nearly impossible. 

I have attached photo 's of the room and proof that the group I was with received a refund from the same merchant for the same booking. 

Thanks!

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 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF THE WEST
State: NV

Complaint narrative:
Dear Sirs, I think the Bank of the West Credit Card Service is deliberately trying to prevent me from using the cards : 1 ) Payments made won't show as available funds : I have made XXXX payments on XX/XX/22 & XX/XX/22, and none of them show available funds as of today. My available balance stays as {$8.00} for the past 14 days. 

2 ) Payment made has no record of it : I have tried to make a XXXX payment since, and there is simply no record of it. 

3 ) It blocks access from making payments : As of XXXX, it shows I have a current balance of {$170.00} on the web portal in the past 10 days, and I have been trying the make a payment for this balance but it won't let me make a payment of any amounts, it simply won't go through. 

Please resolve this with Bank of the West ASAP, and provide an update. I am a very determined person and will not stop until this is resolved. 

Thank you for your attention to this matter and all the kind help. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX reported a collection attempt for {$720.00} from XXXX XXXX in Texas ( through XXXX XXXX ) I live in Florida and this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Block, Inc.
State: OK

Complaint narrative:
I received a fraudulent card in the mail and have made numerous attempts to notify Cash app/ Block, Inc.. This is the second card I have received. Cash app does not have adequate service to protect consumers from fraud. Customer service department does not care to correct the issue. I have no faith that the card in question has been closed or reported as fraud. Numerous calls that have just hung up or placed on hold and never picked back up. They never asked for my name or contact information to confirm the account. I do not use this company in any capacity. Please help protect consumers from fraud with this company. Fraud is a serious issue especially if not handled promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
While the situation has been ongoing beyond just the past year, from XXXX of XXXX  until now, this company has called me even after I have requested them to stop, and it is most often during my work hours. I miss a majority of their calls ; however, in the event that I answer one of the calls, 9 out of 10 times the person on the other line disconnects the call without saying anything at all, and it almost always is done at exactly 4 seconds. If I do not answer, they never leave a voicemail either. 

Additionally, this company has called me nearly 100 times in the past year. On top of that, I have received these nearly 100 different calls from 72 different phone numbers, many having different area codes. In the most recent month of XXXX, I received 7 calls from XX/XX/XXXX through XX/XX/XXXX. In XXXX alone, they called me a total of 22 times, sometimes more than once per day. 

It really seems like harassment is an ongoing issue here, as they have not stopped calling when requested. And it is feels like harassment because of the excessive calls and various numbers calling. I have the past years ' worth of calls logged in my phone, and I have every single one of those 72 phone numbers saved into my phone. And it is very annoying that I have written them letters ( sent via USPS ) and have never received any responses. The worst of it all is the fact that this company has not only harassed me but has been a detriment on my credit reports. 

The photos of the call log and the saved phone numbers are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There is a Khols capital one card reporting on my file. They are reporting the account with my social security number incorrect. 

They are reporting XXXX and my correct number is XXXX. This is causing a really big issue for me in the credit bureaus as my file has been suppressed for that reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens Bank where I have a checking account and a mortgage with them. They were taking the funds out automatically. I was called by a representative last month and I told them that I would have funds the following day to pay the mortgage a few days late. It was close to XXXXXXXX XXXX the representative stated that she would set up the automatic withdraw from my XXXX XXXX XXXX XXXX XXXX XXXX to my checking account at citizens where I was waiting for a check to clear the following day. Well they tried to take it out that very day I spoke to them they gave hit me with over XXXX dollars in fees and I have a deficit of XXXX that they are now claiming as a collection account. Their actions are unbelievable. I had told them that I had broken my shoulder and elbow but they had no sympathy I havent worked since XXXX due to this horrible injury. I need help to fix this I believe it is totally stealing my money with fees that should have never been charged due to the misrepresenting they would wait one day before accessing the XXXX XXXX XXXX XXXX Thank you my cell is XXXX Sincerely yours, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Someone fraudulently opened a Home Depot credit card in my name and charged over {$9000.00}. I contacted Home Depot credit services when I first received the statement in the mail ( and multiple times since ) and provided them all of the information they requested to mark this as fraud ( I also filed a police report and reported to the credit agencies and froze my credit ), but XXXX XXXX is still refusing to acknowledge this as fraud and says I am liable for all of the expenses. Is this legal for them to do this?

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 2022-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07 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: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XXXX & Online Information Service has deleted information off my credit report & then added it back into my credit report. Iknow according to the USC ( United States Code ) that is an violation to my rights,,,, to be specified citied under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief