vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have tried to add Capital One credit card to XXXX XXXX as an authorized payment option but needed to verify before it could be added. I contacted Capital One and was told the only way to verify the card for use with XXXX XXXX was to download and install their own app. In my previous phone I added and authorized this card without adding their app. 

Capital One has no issue with accepting my payment on online and offer their own virtual card on their site. I don't want Capital One 's app on any of my devices and don't think I should be XXXX in adding it to my phone. I try to limit the amount of applications and programs to reduce my data collection and think I and other people should be able to add any credit card without adding unnecessary programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

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 2022-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servatus Corporation
State: WA

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX I identified a discrepancy with account under XXXX XXXX XXXX  and validation was request as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is dispute and therefore a 2nd validation letter was sent out on this day.After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to attend to collect on this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. Account XXXX Credit Solutions Cor. Attached with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed some inaccurate information. Online Linformation SVC is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed some inaccurate information. XXXX XXXX XXXX is reporting a debt that I owe ( XXXX ) in the amount of {$250.00}. I have never had any accounts with this creditor and have made several attempts to clear the matter with the company. The company has not provided any proof that the debt is mine and refuses to correct the information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. Kia Motors Finance is reporting a debt in my name ( XXXX ). I have never owned a XXXX and have asked them to provide proof that this account is mine whih they have refused to do.

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 2022-09-04 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: GA

Complaint narrative:
I am having a problem with Transunion taking the hard inquires that are reporting on my credit report. I explained to them that I did not make them inquires and I even sent in my government state ID ' s and my S.S. card as they requested. Please do a follow up. 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 2022-09-04 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The company is Comenity. Since XXXX have repeatedly tried to make payments on this card and have been told my phone/made payment went through and it did not, I have been hung up on, I have been told that they are experiencing customer service problems and that payments are not being accepted, and my card is repeatedly being refused. The interest on the card is skyrocketing and I can not believe this is legal and nthing is being done about such a large company. How many thousands of dollars will they be allowed to scam people out of before the government does something??? Also, this whole thing began with our having multiple instances of identity theft with the card and then the company went down and stayed down!!!!! Come on, is there no protection for the consumer out there anymore? I guess I will have to go to the media to be heard. Squeaky wheel and all that. I pay my bills honestly, I would think this grift-company could take my business seriously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive had multiple issues with this bank, I believe I had been a victim of identity theft so I tend to lock my card, somehow unrecognized charges still penetrated through this barrier chase spoke so highly of. 
I filed a dispute XX/XX/22, and on XX/XX/22 I find out my account has been restricted and is closing in a few days. I also recieved a letter stating that I could possible resolve this issue if I submit the documents they requested ( also didnt tell me which documents ). Ive went to several institutes and called every number I found associated with Chase to try to resolve this issue and no one could tell me anything. At this point I just want my funds. 
I was told over the phone that it was at the discretion of the banker whether or not they want to give me my funds, but the banker is telling me I have to wait until they mail it, because I still had pending transactions. They couldnt even give me my savings which had no transactions. 
Multiple people have told me it would take 10 days everything to clear and send my check. 10 days have passed and Im still receiving these unsure and suspicious answers. It feels like theyre giving every excuse to stall and keep my money, but I will not allow that. 
I have went to the bank a numerous amount of times and I just want my money and to be done with Chase for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America reported that my payment was late it is posted on my credit report and it is causing creditors to deny me and reduce my credit limits and or close me accounts In accordance with the fair credit reporting act Bank of America has violated my rights 15 USC section 602 states I have the right to privacy 15 USC 1681 section 60 for a section 2 it also states that a consumer reporting agency can not furnish a account without my written instructions 15 USC one 660 a credit or may not thread a payment on a credit card account under any open End Consumer credit plan as late for purpose

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 2022-09-04 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
My friend who visited me on XXXX used my phone while I am distracted asked my password PIN numbers, and ordered product XXXXXXXX XXXX XXXX, price and date was, Transaction date : XX/XX/2022, Transaction amount : {$550.00} USD, my friend used my XXXX account with linking citi bank debit card. 
And I tried to cancel whole order and dispute it after find out, but both XXXX  and citi bank customer service declined my request, that is why I am requesting to adjust from here. 

so please assist me with cancel this whole order and get full refund.

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 2022-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
DOESN'T RECOGNIZE RESET PASSWORD CANT SEN MONEY " PAYMENTS DENIED EVEN AFTER LINKED TO GOOD ACCOUNT NO SATISFACTORY HELP OR TROUBLESHOOTING ASSISTANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because CAPITAL ONE NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.CAPITAL ONE reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a Room to Go store credit card under a zero interest promotion for 3 or 5 years. I would have to look at my paperwork. As I'm paying down my balance, Synchrony Bank is moving amounts to a separate " purchases " balance that has no date and is accruing 29.99 % interest. Every month this miscellaneous purchase amount increases so as I'm paying it down, more interest is added to the account. Again a card that us currently under a zero interest promotion. Synchrony balance chased my account to the point of closure but as I continue to pay this account I want to know what this miscellaneous purchases is and why it increases every month and why is there interest. I did not make any purchases outside of the promotion.

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 2022-09-04 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: OneMain Finance Corporation
State: TN

Complaint narrative:
Hello to all involved. My credit file reports that One Main financial has pulled my credit which subsequently gave me an inquiry. I have not worked with one main in a while and feel that while I was recuperating from Covid, my account was susceptible to fraud. I have not requested a loan this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Bank sent a letter dated XX/XX/2021 stating that they created a CHARGE to clear a CREDIT on the account. Amount - {$550.00} Background : Received a discount offer from XXXX XXXX if I opened a credit card account. Opened and used card ( XX/XX/2021 {$490.00} ). Received merchandise. Received bill. Opened my online banking application and discovered I had a payee with the name of the bank on the bill. Payed the bill ( XX/XX/2021 {$490.00} ) Bought more items ( XX/XX/2021 {$86.00}, and XX/XX/2021 {$55.00} ). 
Received dunning notice for first amount ( {$490.00} stating that {$75.00} minimum payment was required ) Since I had made the payment and my bank statement showed it cleared, I ignored the notice. 
Started getting phone calls and voice messages requesting a {$75.00} payment. 
On { XXXX/XXXX/XXXX  payed {$100.00} } to attempt to stop getting the phone calls. 
In frustration with the calls and increasing fees, made a payment ( XX/XX/2021 {$550.00} ) Opened banking app and discovered that the account I was paying was for another account number, XXXX XXXX XXXX not XXXX XXXX - same Bank XXXX Synchrony. I was unaware it had been set up probably years earlier. 

Called customer service ( XX/XX/2021 ). The CS rep XXXX was very helpful, and was able to transfer the {$490.00} payment to the proper account, and remove all fees. 

I received a check ( XX/XX/2021 {$550.00} ) and deposited to my bank account. 
Thought we were all square and XXXX balance. 

The XXXX XXXX account is clear and at a XXXX balance. 

I have made over 16 calls to customer service, spoken with supervisors who could see both accounts and they do not understand why the " false '' charge was created. One of the phone calls I received, the very aggressive Rep told me to return the {$550.00} check or pay that amount. I told him, I did not owe anything. 

My bank even tried to help by supplying account data showing my payments to their bank.

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 2022-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, XXXX XXXX Experian aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, XXXX & Experian keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & 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 2022-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Opened account with Citibank ATM card XX/XX/2022. Deposited {$10000.00} into said account. Was suppose receive bonus after 120 days. Have companied to them but have received no satisfaction.

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 2022-09-04 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Hello, I have been disputing this for years now. I'm requesting something with my signature on it. Every time I ask for something, they send me an old credit card statement. I would like to put this on record that this should not be on my credit report and it is causing lots of damaging. I was advised to make this clear for when I seek help. THEY are not showing me how to are proving this account is mine.

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 2022-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I tried to buy a used XXXX XXXX from a used car dealer and I was not able to register the vehicle because XXXX XXXX NOR THE DEALERSHIP HAD A TITLE for this car, so I demanded all my payments and my down payment of {$15000.00} back. They both had ( 7 ) months to obtain a title and neither one could produce one, so after my money was returned.XXXX XXXX reported me t the credit bureaus as ( 30 ) days late, which decreased my credit score by nearly ( XXXX ) points. Now they refuse to correct their mistake for violating the Ga state statute on selling cars without a valid title and leal ownership.

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 2022-09-04 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: FL

Complaint narrative:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made Transunion, XXXX XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. Transunion, XXXX XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & 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 non-monetary relief
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
I, XXXX XXXX, am filing this Complaint because I previously disputed 2 in accurate accounts showing on my Credit Profile, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX on XX/XX/2022. I made XXXX, Equifax XXXX XXXX aware that these accounts are inaccurate and I demand to have these accounts removed immediately. Per Fair Credit Reporting Act anything thats showing on a consumer report must be 100 % Accurate, 100 % Complete, and 100 % Verifiable. Therefore, these accounts arent showing as such so I demand to have these accounts removed. XXXX, Equifax XXXX XXXX keep sending me verified responses without any further proof. Please Delete these Accounts, XXXX XXXX XXXX # # # # # XXXX & XXXX XXXX XXXX # # # # # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and the Account Name ; US BKPT CT GA 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 an 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