vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We have had the Capital One Venture card for over 5 years and assumed they would have our backs when we became victims of fraud. We received an alert one day to approve a purchase that we didn't make & when logging into our account to follow up we had over {$4000.00} of fraudulent charges. We called right away, they cancelled our card, assured us they would look into it & the money would be reimbursed to our account. A few days later we received a letter that their investigation didn't prove to be fraud, they believed we made the purchases & all of the charges were put back on our account. The type of purchases, locations & time of day where not normal for us and it seemed clear as day this wasn't us so we are shocked that Capital One said it was their final decision and we are responsible. All of the fraud was on my husbands card and he had it in his possession when this happened. He hasn't been using the card but made recent online purchases through XXXX XXXX this is when the fraud started. There was an attempt on his mothers card too ( she is an authorized user ), she lives in the XXXX but the attempted purchase was in the US, but we caught it in time & it was declined. Capital One is claiming the fraudsters where able to use the chip and that is why they declined our fraud claim. How is this possible?? I feel so frustrated & helpless!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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: NV

Complaint narrative:
I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information

must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MO

Complaint narrative:
From XX/XX/2022 I had two different deposits supposed to be coming in. I had to complain because one of them was because somebody had taken my money they were supposed to they refunded it, but then they gave it back because my account closed they said they couldnt give it to me. They know that I disputed it so I dont know what the problem is but the money is owed to me and then my deposit they came in. Somebody had gotten a hold of. Ive complained about a complaint about it tried fixing it and it went to a different account then they fixed it so I dont know whats going on, but they did not let you that I was supposed to get back and so I am just trying to get to the bottom of this and get my money and its not protected because they keep allowing things to be taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I have a lone with access bank for XXXX years, Never been late, we send a check in and it bounced because of issues we had the money at, there was plenty money at the bank. The access bank supposed to redeposit check but they never did, they waited 3 months then they send us the registered mail saying we are in the pre foreclosure mood and instead of XXXX, XXXX they want XXXX dollars, they never gave us prior notices that they want to play all this games and they pushed us to 18.1 % interest rate. Do not know what to do desperately need government regulation help to dial with this criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I have contacted Midland funding multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Midland Credit Management {$1100.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Real state sent me from a scam account to wire money to buy a home with tittle company, bank and tittle company didnt talk to each other to confirm bank account numbers and info, I asked the bank to return my money, its on truist 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 explanation
Consumer complaint received 2023-06-13 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: SC

Complaint narrative:
1 ) XXXX XXXXXXXX # XXXXXXXX XXXX I asked them to mail me the proof of their investigation and they failed to do that. 

2 ) XXXX XXXX # XXXX XXXX and XXXX XXXX # XXXX I asked to provide statements and records of all payments made and missed since I opened these XXXX accounts and they never sent me proof. They ignore it. 

3 ) XXXX XXXX # XXXX {$2200.00} I never had a contract with this debt collector for any debt I asked to please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. They haven't sent me any proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I discovered four XXXX transfers had occurred from my checking account on or about XX/XX/XXXX. I called USAA and advised them I had not authorized these transfers. USAA advised me they didnt believe fraud had occurred and if it had, it was my fault. I did everything they instructed me to i.e. change passwords, use a different email, and deactivated XXXX. This has now happened 2 more times, the worst of which occurred on XX/XX/XXXX whereas XXXX  XXXX was transferred out of my account via XXXX in a matter of 6 hours. I requested the fraud department research this and was advised that the fraud department found no fraud occurred. I asked how they came to this conclusion and was advised that information is internal and does not get shared with the account holder. I asked how XXXX got reactivated on my account and was again advised everything that happened was my doing. What Im very confused about is per the USAA website, only 3 XXXX transfers are allowed in a 24 hour period and a maximum of {$1000.00} in a 24 hour period. USAA will not address this with me. I did everything USAA told me to do to protect my account but it didnt work. I was so relieved when I found the 3 a day/ {$1000.00} max rule per USAAs site yet each time I bring this up, they act as if they have no idea this is plainly stated on their website. Many people are having these same issues and USAA is firing customers daily so they dont have to deal with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: CA

Complaint narrative:
I've spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. I want XXXX XXXXXXXX, and transunion to remove these accounts off my report immediately.. XXXX XXXX XXXXXXXX for {$55.00} the account was closed and charged off. XXXX XXXXXXXX XXXX for $ {$410.00} the account was closed and charged off. XXXX XXXX {$800.00} The account was closed and charged off. XXXX XXXX {$860.00} The account was closed and charged off. XXXX XXXX XXXX {$1600.00} the account was closed and charged off. XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. XXXXXXXX XXXX {$2600.00} The account was closed and charged off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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:
Experian is reporting an address that Ive never lived at, 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 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
InXX/XX/XXXX I found out that chase bank paid taxes on my property there was XXXX past due. The reason for that I have had XX/XX/XXXX3 times missed work and was off on XXXX. My house payment had been made every month. My house payment was XXXX dollars They not only pans the XXXX past due they also paid XXXXfor the following year. My house pay went up to XXXX a month. I have not been able to get a list of charges. I paid a lot of money trying to get out of that higher house payment. I have a account at chase bank the only thing I use it for is my house payment. I have a retirement check that goes in there once a month for XXXX dollars. Its been a nightmare dealing with these guys. They would take the money I put in there and put it on the escrow money owed with out paying the My hour payment. There was a mix up with my XX/XX/XXXXmoney it did get put into the account for a few months. I went to mediation chase wouldnt remove any of the charges they also raised the amount owed on my house. They didnt have any information on the charges. All of this has cost me a lot of money. This was covid related I ask him about why he had pay those taxes. He said to protect his interests. There is at least XXXX in equity. I believe his interests were just fine. I believe it was totally wrong what they did they have put a lot of pressure on me and Im still under a XX/XX/XXXX for XX/XX/XXXX. I would like them to refund some of my money. I know chase back received billions from covid relief that was tax payer money it wouldnt have cost them nothing to let it ride for a few months until I catch up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I applied for a Carecredit Credit card for my sick dog. It will help pay for medical care for my dog. I got the card approved on XX/XX/XXXX XXXXand have been waiting to use it when the Vet is ready to proceed with the care required for my sick dog. I have not used the card yet. I have a XXXX  balance because we are hopeful my dog will recover without XXXX. I received a letter in the mail yesterday it states they cancel the credit card due to their mistake .... and that I should not have gotten the card at all due to credit hx. They are sorry but I should have never gotten the card. I think it because I'm waiting for the time I will need the credit card for my dog. Did they run my credit again or are they mad I have not earn them any money. I planned to use it to save my dogs life. It's made to be used for medical care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Hi, There is a collection on my credit with the name of XXXX XXXX XXXX. I havent signed any papers with them with anything information of mine. Can you please investigate and send me all the break down to why this price is as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX XXXX of age with XXXX. XXXX XXXX, TransUnion, XXXX has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My credit report has dropped from XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX without a balance and the only change was hard inquiries dropping off. In XXXX of XXXX my credit report showed XXXX. I'm a XXXX women XXXX  years of age with XXXX. XXXX XXXX, XXXX, Equifax has discrimination. I shall ask for injunction for retaliation case XXXX United States What is the Equal Credit Card Act? 
This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My bank is using military technology on my account to both change the rate of some costs & fees & is also denying my debt card from some companies illegally. I have been complaining about the different problems since 2020 when I started getting overdraft fees for the first time when my account was protected with the previous company & those protections should have been transferred to a similar account under the new company automatically. My bank is also pretending to be hacked, sending me nonsense texts, and allowing others to check the status of my bank account illegally.

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