vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: NJ

Complaint narrative:
Hi, My name is XXXX XXXX. On XX/XX/XXXX I was charged {$900.00} on a Neiman Marcus charge card which is issued by Capital One. I received a statement in XXXX in which I didn't recognize the charge and I called Capital One. The said they would investigate and opened up a case. The case number was XXXX. I received a letter on XX/XX/XXXX stating it was resolved and the charges were reversed. Shortly thereafter I was again charged the full {$900.00}. I made calls both to Capital One and Neiman Marcus. I was I informed that the charge took place in a Neiman Marcus store in XXXX XXXX Florida on XX/XX/XXXX. I was never in XXXX XXXX during that time. I have records that I was physically in NJ that week and I also have XXXX  receipts that show my toll history for that week as well. I was never informed what the purchases were that amounted to {$900.00}. In all honestly, I rarely use this card as I haven't been shopping at XXXX  much. Capital One was not interested in my proof and got quite nasty with my on the phone. Their explanation was that since I was in possession of a card it had to be me at the store. They declined to send me a receipt or to let me know which card was used since apparently the sent me an updated card in XXXX or XXXX. I normally get emails and transaction alerts on the app when I do make charges and I never received an email or alert in XXXX. My last email and alert on the app was in XXXX for a minor purchase. My phone number is on my profile and always used during purchases to get points on the transaction. For this {$900.00} transaction my phone number was not used and I received no points. I'm frustrated and disappointed in both the lack of transparency with Capital One. I thought they worked with their customers rather against.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX Account xxxxxxxx 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 2022-09-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
accordance with the fair credit reporting act XXXX Account xxxxxxxx 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 explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH

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 2022-09-11 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: PA

Complaint narrative:
Request for Investigation of Unauthorized Inquiries. 

I checked my credit report and I noticed there were inquiries that I did not recognize from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the companies here that placed inquiries on my report and asked them to remove their credit inquiry from my credit profile. I also asked them to to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate and investigation into this inquiries on my credit report to determine who authorized them. Once your investigation is complete you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy o fly credit report at my address. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thanks for your help and assistance.

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 2022-09-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
Fraudulent line of credit opened in my name. Charged my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/2022 a check written for XXXX was incorrectly cashed for {$70.00}. Check image clearly shows the check was written out for {$25.00} but the check cleared for {$50.00} more then it was written out for. 

Have emailed Ally Bank and tried to make a phone call but Ally Bank now allows unacceptable call times of 30 minutes! Customer no Service forces me to file a compliant with the CFPB

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 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
My Remitly account has been suspended without cause. 

I use Remitly to send money to my family in XXXX since XX/XX/2020. XXXX, XX/XX/XXXX, I tried to log in to my account, but the following message was displayed " Your profile is locked. We've noticed some suspicious activity and took some precautions. Answering a few questions should clear this up ''. 

I immediately contacted the company via chat and they informed me that my account has been suspended because something indicated that I have violated the user agreement. 

I have been a loyal customer for years and I have read the user agreement and I did not violate anything. I asked to appeal and they asked to make an appeal and follow the instructions on this page XXXX XXXX XXXX XXXX XXXX 

I have not received any emails from the company informing me previously that my account was suspended or that they have received the appeal for my case. 

In addition to that, the company has a referral program that grants the customer {$30.00} per new customer that signs up and uses the Remitly service to send money. Because I advertise my referral link in my social network, I currently have more than {$150.00} that has been blocked on my account. So essentially, by suspending my account the company has blocked the referral bonus that I've earned, which is unfair and illegal.

I ask that the company unblock my account so that I can continue to use the service to send money to my family members.

I'm a loyal customer of Remitly and I'm very upset about how my account has been suspended unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All three credit bureaus, such as Equifax, XXXX, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX XXXX All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
I opened a business account and a personal account, I deposited 1 check, no transactions were done and they closed my accounts with no warning, and their best response is we have the right to close any account anytime for any reason!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OR

Complaint narrative:
Credit Karma kept sending me pre-approved offers in a time when I was desperate due to unexpected XXXX  expenses. I applied for many and was rejected for all. Lowering my score by nearly XXXX points! My power was shut off and now I have so many inquiries, nobody wants to worry with me. 
Some credit card companies even ran my credit for multiple cards!! I have like XXXX inquiries and agreed to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I was trying to sell a bike. I was selling it for {$100.00}. A person messaged me on XX/XX/22 and said they were interested in it. We communicated for a while and she said she could pay me using Zelle. I've used Zelle before and never had an issue. The person told me that the money wouldn't go through because I needed to upgrade my account. It was {$250.00} to upgrade my account. I didn't want to do that. The person told me they had already paid the {$250.00} for me and I needed to pay them back. Then, it will get refunded to my account. I was receiving emails are well. In total, I paid {$1000.00} to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
do to the XXXX XXXX  giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.

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 2022-09-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act Equifax 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This is my 2nd Compliant, which I have also filed with the Civil Rights Justice, regarding the Home loan modification completed by Bank of America, which was predatory and caused financial injury, as it caused my home to go into foreclosure, as it was ultimately not sustainable, due to the excessive fees, high interest mortgage, which I believe was higher due to my race, as well as the forced insurance which was not needed, as I already had insurance. Bank of America, I felt did not attempt to work with me, but instead sold my mortgage yet to another company. The dates are roughly between XXXX  to XXXX I would like this investigated. Thank you in advance for your assistance.

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 2022-09-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, New Jersey XXXX Experian XXXX XXXX XXXX XXXX, Texas XXXX ATTN : EXPERIAN DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ( XXXX  XXXX Bankruptcy : Bankruptcy Reference Number : XXXX ) According to the FCRA, in order for you to furnish the alleged XXXX XXXX  XXXX referenced above, you would need to be able to both VALIDATE and VERIFY the information with original creditor. The XXXX XXXX  XXXX would be the original creditor to furnish this information and has previously communicated with me, a federally protected consumer through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX XXXX  XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 


Having the above mentioned information, EXPERIAN is violating my federally protected consumer rights. In addition to that violation you are also committing fraud since you claim to have verified this bankruptcy but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 USC 1681B ( A ) ( 1 ) ( 2 ). I DID NOT give you neither direct nor indirect permission to furnish my information. I am hereby demanding this entry be permanently removed from my EXPERIAN consumer file and report within 30 days from the day you RECEIVE this letter. Should you choose to be negligent and willfully non-compliant in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against EXPERIAN. 

Warm Regards, XXXX XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

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 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: NC

Complaint narrative:
Hi, my name is XXXX XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, NC. NC Drivers License number is NC XXXX. Social Security number is XXXX. Policy number with XXXX XXXX  XXXX. 

When trying to renew our auto insurance we received an adverse action letter saying that we were involved in three incidents : one on XX/XX/XXXX, one on XX/XX/XXXX one on XX/XX/XXXX. Both incidents occurred in Texas which I have never visited. Reference number we were provided XXXX. This information is grossly incorrect. 

We reached out to LexisNexis at the instruction of our insurance agent, and LexisNexis was less than helpful. They were very rude on the phone and gave us no information about when it would be resolved. It's been more than 30 days and we are still having to pay a higher premium for two incidents on my record that I was not a part of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have an Indigo Mastercard issued by Genesis Financial Services. When I make a payment on the website- it does NOT show as payment pending or payment received under the payments section of the website. I paid my balance in full ( the entire credit line in full ). The next day - the system resets as if you made no payment at all and you still need to make a payment. So I made a second full balance payment to the card. Paid entire balance in full again. I checked the next day ( today ) and the Indigo website still does not show the 1st and/or 2nd payment pending or received and still shows the customer owes money and a minimum payment is due. I called Indigo to make sure I would not miss a payment ( I already made two full balance ( full credit limit ) payments that do not show on their website ). Indigo said yes they received both payments but can not cancel one and their system just works like that. I will have paid TWICE the entire credit limit on the account. The CUSTOMER does not get info on the website regarding payments received after making a payment which would reasonably make any person believe the system did not register the payment and any reasonable person would believe they still owned the balance and would make a second ( duplicate ) payment - the system encourages this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I have 3 accounts reporting late payments which are inaccurate. Companies are XXXX XXXX XXXX XXXX 1 LATE PAYMENT NORDSTROM/TD BANK USA 2 LATE PAYMENTS XXXX XXXX XXXX 3 LATE PAYMENTS ALSO inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK ( XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Bank ) XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Due to current dispute that you have closed with the CFPB and alleged that all accounts disputed were verified by legal means, I demand your method of verification pursuant to 15 USC 1681i in all items disputed. According to the FCRA I am entitled to a detailed description of your methods to verify this information. In addition please provide documentation provided from you from original creditor showing consent and informed consent. 

I was not given any information on opting in or out of credit reporting, nor was I supplied with anything that said my personal information with be furnished to a third party of any sort, and since the US banking system relies upon your truthful and unbiased reporting 15 USC 1681a. I require that you act in due diligence to secure my rights as a consumer in this transaction and behave in good faith. According to your policy, you receive all relevant documentation so secure consent and I would also like to see these documents with my wet ink signature. 

Per page 3 of your data sharing policy, you say that consent was given please also provide this documentation showing that I gave my consent for my information to be shared. ( XXXX ) For good Measure : 16 CFR 1028.116b informed consent : Informed consent occurs when there is agreement to an interaction or action rendered with knowledge of relevant facts, such as the risks involved or any available alternatives. Informed consent often comes up in the contexts of legal ethics, medical treatment, and waiver of constitutional rights. 
The elements of this are including but not limited to : decision capacity, documentation of consent, disclosure, and competency.

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