vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purchased a XXXXXXXX XXXX XXXX  in XX/XX/XXXX. Made monthly payments using Capitol One XXXX. Tried to access membership through multiple phone calls and subsequent emails. No response. 

Contacted Capitol One in XX/XX/XXXX. Disputed all charges by XXXX XXXX XXXX. Disputes denied. 

Escalated with fraud department to block future charges. XXXX, a supervisor, told me the charges submitted are using an unblockable code. 
Contacted CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On or about XXXX 2024, I applied for a credit card with Capital One. They subsequently approved the card, but the credit limit was not what I was hoping for, and I advised them that I didn't want them to send the card to me because I had no plans to use the card or activate it. To this very date, I have not received the card and I called multiple times and advised them that I didn't receive the card. They said that they would report it as lost and send out a new card and I advised them not to do so because I didn't want it and the female rep agreed. Today, I received an alert from XXXX XXXX that I opened a new account and that is not the case because I still do not have possession of the credit card and I did not activate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX, 2024, at XXXX PM, CDST, I made a deposit into my checking account, Account XXXX at Wells Fargo in the amount of {$220000.00}. Funds were from a title company escrow fund for the sale of real estate. Wells Fargo issued a Transaction Receipt from XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, stated that the total funds would be available on XXXX XXXX, 2024.

On late afternoon of XXXX XXXX, I acquired XXXX CDs from XXXX XXXX  totalling {$100000.00} payment for which was to be withdrawn directly from the checking account. 

Also, I purchased from XXXX a mutual index fund shares totaling {$66000.00} on the same day. Payment for these fund shares were to be drawn from the Well Fargo checking account. 

In a letter from Wells Fargo dated XX/XX/XXXX, but received several days later, I was informed that the funds, {$220000.00} would not be available until XXXX XXXX, 2024. This was the only notice. No email, no phone call, no text message on XX/XX/XXXX or thereater. 

I have received a bank transfer rejection notice from XXXX dated XX/XX/XXXX and demanding payment. I am now expecting similar notices from XXXX XXXX, and another from XXXX for additional sum of {$59000.00}. 

The actions of Wells Fargo amounts to fraud and kiting. 

I expect a disgorgement from Wells Fargo for all interest and income they have derived from withholding of this amount for the period from XXXX XXXX, 2024 to the time funds have been delivered into my account ; that XXXX and XXXX XXXX be notified of Wells Fargo delay in providing the funds and that XXXX XXXX be absolved of any and all liabilities and that Wells Fargo be responsible for all damages caused to my reputation

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 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> it was brought to my attention I forgot to make a credit card payment and a {$29.00} fee was assessed. On XX/XX/XXXX I called to request a one-time waiver of the late fee but instead went into a 6 month XXXX interest program to help me pay down the balance. On XX/XX/year> it was brought to my attention Bank of America charged me another late fee in the amount of {$28.00} for XXXX. Essentially, Bank of America has reported to the XXXX credit bureaus ONLY for late fees rather than principal and interest payments that were paid each month. I request this 30 day late to be removed as they are late payment fees.

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 2024-06-20 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''. ''

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX  - XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I received a reminder email from American Express that my payment was due today. I meant to schedule my payment online when I was at home that evening. I forgot and the following morning when I woke up at XXXX XXXX  I remembered I had not made the payment. I logged on to my account and made the required payment. I was then assessed a {$29.00} late fee on my payment that was due the previous day. The payment I made was the entire statement balance. Since I was a few hours late, I am sure I am not only paying a high late fee but I am now probably being charged interest on this months purchases. 

I then did a chat with an associate from American Express and asked if they would waive the fee since I was only a few hours late making the payment. The reply was we can not approve your request and offered the option of setting up an auto payment of my payment. Auto payment is not a good option since the payment does not allow me to control the debit that coincides with by biweekly payroll. I then asked that the associate close the account, which was completed, and XXXX will payoff the card with the next statement. I have been an American Express customer more than 10 years and have not made a late payment very often but have had a couple in the past and they have waived the fee when I have asked before. I was asked why my payment was late and I replied, " I simply forgot to do it last night and made it first thing this morning. '' The fees for making a simple mistake are ridiculously high and punitive so I've decided not to do anymore business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
We bought a new XXXX XXXX on XX/XX/2024. Initially, we also purchased the tire and wheel package for {$2200.00}. After reconsidering, we cancelled the tire and wheel package within the cancellation limitation window on XX/XX/XXXX. This cancellation was acknowledged by the XXXX XXXX and wheel department on XX/XX/XXXX ( request number XXXX. 

The VIN number last XXXX digits is XXXX. 

We paid the car off XX/XX/2024 with a cashiers check and received the title on XX/XX/2024. 

We have been trying to get a refund from Lexus Financial Services since we cancelled the tire and wheel package and have spoken to several people. It is XX/XX/XXXX and we still have not received the refund. 

The last person I spoke to on XX/XX/XXXX said the check had been approved and was sent to us on XX/XX/2024 ( check number XXXX ). He further stated that it would take XXXX to XXXX business days to receive the check in the mail. It has been XXXX business days and still no check. 

On XX/XX/2024 I spoke to a representative at XXXX XXXX XXXX who also stated the check was mailed. She said to give it fifteen business days and if we do not receive the check to call them and ask for a re-issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
My signature was forged on some parts of the contract and I was charged for things that I didnt ask for or need in my contract and there are extra fees on there that not supposed to be on my contract

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
according to FRCA law Section 605B it is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc.
State: AL

Complaint narrative:
I was misled by both a XXXX XXXX and the reporting company that this transaction wouldn't affect my credit whatsoever. Since then the reporting company has been reporting to credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
This the Mails I have been sending to the Company Roundpoint Mortgage Dear Madam / Sir, ( 1 ) Why is, your Service is so poor?

( 2 ) I have been following up for the past XXXX Months ( 3 ) Sent Mails, called you over the Phone ( 4 ) Are you guys XXXX, do not understand plain English?

( 5 ) Next I will write to the Consumer Financial Protection Bureau ( CFPB ), about your Service, ( 6 ) I have been saying Repeatedly, consider the Additional Payment of {$500.00}, towards Principal Amount, we have been paying Every Month, when you work out the Amortization Statement ( 7 ) This what you gave Start dateXX/XX/2024 Maturity date XXXX/XXXX/2050 ( 8 ) The Above, shows the Wrong Maturity Date. It can not be XXXX/XXXX/2050, It should be before that Date, That is why to make the Loan Period reduce only, we make Additional {$500.00} Towards the Principal, Every Month ( 9 ) Let me ask you this. 
When is my Last Payment of my Monthly Interest Payment? 
For that you have to work out the Amortization Schedule considering {$500.00} Payment, paid Every Month, Towards the Principal ( 10 ) It will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan ( 11 ) You had sent me Amortization Statement, but that did not take into Account, the Deduction of Additional Payment of {$500.00}, towards Principal Amount, and you had taken only the Principal Amount that is calculated as a Part of my Monthly Loan Payment which is Principal and Interest. 

What you provided Amortization Statement, that does not indicate, the Right Last Loan Payment Date. ( Maturity Date ) If that is the Case, I am afraid, somebody will see this and say I have to pay beyond this Date. Suppose I die, and Our Son, has to pay the Loan, he will be paying the Monthly Interest Payment beyond the REAL MATURITY DATE, You became the " Right to collect Payments '', transferred to you by fromXX/XX/XXXX, who were Servicing of the Mortgage Loan, andXX/XX/XXXX used to give the Right Amortization Statement, by default, without writing Any Mail to them i started off my Load with XXXX, they transferred to XXXX, XXXX transferred to XXXX. 
And XXXX transferred to Roundpoint Mortage. 
All these Companies used to send the Amortization Schedule considering the Additional Monthly Payment Towards the Principal, EXCEPT Roundpoint, who is not doing I want this Statement to come from you, so that it will be Easy for me to clarify, if any conflicting things that may come up later, on deciding the Closing Date of the Loan Summary of the issue : I want the Amortization Schedule taking into Account {$500.00} paid Towards the Principal Every Month. from Roundpoint Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT, NOTICE ACCOUNT THAT WAS FRADULENT

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 2024-06-20 00:00:00
Product: Credit reporting 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:
UPON ME REVIEWING MY CREDIT REPORT, NOTICE ACCOUNT THAT WAS FRADULENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2024, I uploaded a dispute letter to Experian through their online portal, requesting an investigation into several inaccurate items listed on my credit report. In my dispute letter, I explicitly asked Experian to provide specific information on how they verified the accuracy of the disputed items. The details I requested are as follows : The specific date on which Experian initiated contact with the creditor regarding the disputed item. The complete contact information for the creditor, including their business name, address, and any available telephone numbers. The full name of the individual at the creditor 's end who verified the accuracy of the disputed information. Method of Communication Used to Verify Information : The method ( s ) through which Experian communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). Confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite my clear and detailed request for this information, I have not received a response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, consumers have the right to understand the process and basis upon which their disputes are resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : 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