vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2023 a Capitol One account was opened in my name without my knowledge or consent. I contacted Capitol One and XXXX to report and was advised to make a claim with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

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 2023-12-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: IN

Complaint narrative:
Equifax on XX/XX/2023 stated XXXX XXXX XXXX XXXX  was removed from my credit report. It is still reporting on Equifax as of XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please review the attached documents. I urge the bureau to commence an investigation into these accounts, as they inaccurately depict me as late when I have always been on time.

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 2023-12-27 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX - Set up manual payment for total credit card balance of {$1400.00}. No indication in online account portal of any auto pay set up. This is a card not used since XXXX. 
- BoA processed auto pay for {$1400.00} on same date, resulting in overdraft on bank account and + {$1400.00} balance on credit card. 
- Called BoA on XX/XX/XXXX after seeing duplicate payment, stated they would issue refund to my bank account within 10 days. 

XX/XX/XXXX - Had not received refund ; called BoA. They claim to have issued refund on XX/XX/XXXX. Refund erroneously sent to an account at XXXX  XXXX XXXX XXXX not ever associated with me. 
- BoA claimed they would reverse this, issue refund to correct bank account that BoA has on file ( from where they debited my payments ), and have XXXX call me by XXXX  XXXX XXXX. 

XX/XX/XXXX - Did not receive refund or call from BoA manager as promised. Agent claimed they would issue a refund within 10 days still. Could not connect me with supervisor or manager -- claimed one would call me in 24-48 hours. 
- Asked for them to walk me through my autopay settings -- to see where it is set up and configured. Places to click apparently not showing up in my online portal. Agent said she spoke to a supervisor and they said that auto pay is not set up on my account. This is despite BoA processing an auto pay that led to the initial overpayment on 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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/23 i havent been able to use my debit card or access my funds in my account with no warning from USAA. once i called it was a two hour wait to be told they would call me back on the call back service. Once they called back it told me it was unable to conduct the call back service. I then called again and was told my account was under fraud review and someone would call me within XXXX hours. i called again this XXXX  and was told the same thing, even told yes i would not be able to feed my kids or put gas in my car or pay my bills because of a supposed fraud review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: LA

Complaint narrative:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: AL

Complaint narrative:
remove fraud accounts! I have no idea where these came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC/XXXX dept will not refund my XXXX $ where I was scammed on XXXX  and they will not treat it as a chargeback for item not received. ON XX/XX/XXXX I thought I was talking to a friend of a friend via XXXX XXXX to purchase a mixer. She asked for a deposit as she was selling multiple items. Her name was XXXX XXXX XXXX. XXXX  has already flagged it as fraud, XXXX has too and so has XXXX ; however, twice PNC has denied my request to do a chargeback to get my XXXX $ back since this scammer pretended to be someone else and hacked their account- whom I did know as a friend. I thought I was sending money to that friend but her account was hacked. They then sent me a fake address to pick it up then a fake text saying they refunded me so I would not pursue more action. PNC did not reach out to me like I asked to gather all the proof I have showing I paid for something I did not receive. they are just treating it like a typical XXXX  transfer that I authorized. I did authorize this to XXXX XXXX and not the person who hacked her account. I also did not receive the goods I paid for which should fall under a chargeback. I am most frustrated that they have not asked for or allowed me to share all the proof I have from the scammers admitting they scammed me which should at least be proof to give me a refund. The PNC XXXX  customer agent said they don't refund because I authorized it. However, this particular scam should fall under a chargeback for item not received and paid for like any credit card merchant that they would honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Innovis, No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer/credit reports ( IRS Publications 4681 ). 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 ( FCRA, 15 U.S.C. 1681 ). Yet again, Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ( FCRA, 15 U.S.C. 1681 ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Someone by the name of XXXX called from the number XXXX ( XXXX ) XXXX. 

Text script Copied directly from voicemail : Hello XXXX this is XXXX I'm with locating services I have been instructed to contact you in regards to an epic pull off location that it's been issued and close to VA due to avoid the contact on your behalf they have instructed me to speak with you at this point if you wish to go any further penalty you will need to contact that proceeding purpose finding your case before your case please call the office number provided is ( XXXX ) XXXX with the case number XXXX this is your official legal notice by telephone goodbye Then second another number came in from XXXX ( XXXX ) XXXX. They didnt mention who they were calling for but called all my families phones. My sister asked the name of the company, they responded XXXX XXXX. We do not know who they are and if its a scam. Im not familiar with any debt owed nor have i received any loans or credit cards in the last year. FRAUD SCAM Company Name : Spring Oaks Capital , LLC Phone : XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX XXXX www.springoakscapital.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Heyyy, PLEASE HELP ASAP So I bought this XXXX  prepaid gift card from XXXX XXXX at XXXX XXXX2023 and preloaded it with 500 dollars + XXXX dollar activation, well they said its gon take 2 hours and after 2 hours when I tried to use it at multiple places it never worked then I checked the funds online XXXX XXXXt showed 500usd but status was on hold contact them, so after a hectic wait I got onto one of the customer rep and what he said was that he can send me a replacement card in 7-10 working days but Ill be leaving the states in a few days so I requested a refund or smth which they clearly declined, how is it my fault that the card upon activation wasnt working now Im left with no money and on vacation in the USA please help me as I dont know how to survive now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a business account at Citibank on XX/XX/XXXXXXXX  at the branch, filling out all the forms that were provided to me. XX/XX/XXXX I received an email message to contact the bank, which I did. I was directed to the Citibank XXXX division which told me that my paperwork was not complete. I was directed to complete a business ownership form which I did and faxed into Citibank ( I have a receipt that the fax went through ). XXXX  month later I attempted to deposit some checks into my account by my mobile phone which was unsuccessful. I went to deposit them at ATM machines and that was also unsuccessful. After inquiring at the branch I was told that my account had been frozen from about XXXX  and that XXXX  checks had bounced and XXXX  EFT payment refused to a credit card. At the branch, they inquired further and found that I needed to have the business ownership form completed which we did through the branch. It was the identical form that I had completed and faxed in. The account was unfrozen a few hours later. At no time did I receive any notification by text, email or snail mail that the account was frozen and it was only on XX/XX/XXXX in a letter dated XXXX  that I received notification that the autopay for the credit card was canceled.

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 2023-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: FL

Complaint narrative:
During the month of XX/XX/2023, I received numerous phone calls from Rocket ( Rock ) loans about being late on payments. I explained a few times to the caller that I don't have any loans with Rocket and to stop the calls. They assured me I did have a loan and the calls persisted which I just ignored. Shortly thereafter I was notified my credit score had dropped like a rock which I pursued and discovered Rocket had indeed issued me a loan, unknown to me, because quite simply, I'd never applied for one, didn't need one and never got any kind of loan document to review or sign. Called Rocket and was told to submit an Identity Theft Form and a police report by mail to XXXX XXXX XXXX XXXX XXXX XXXX. This information was mailed XX/XX/2023. 
To date, I've not had any response from Rocket whatsoever. Not even a note they're investigating the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have owned my home for 21 years. My mortgage payment is {$3700.00} per month it includes interest, taxes and insurance. My interest rate is fixed at 3.875. 
XX/XX/2023 I received an escrow analysis which said my taxes went up {$30.00} per month and that i have a 2023 shortage of {$350.00} My new monthly mortgage payment jumped to {$4300.00}. 
It makes no sense at all. When i called in XXXX i was told by the representative that it didnt make sense to him either and he would ask for another escrow analysis to be done. I never heard back. I got a new statement that shows no changes made so i called Select Portfolio Servicing and they said they are charging me extra so i dont have a shortage in the future. How is this legal? {$700.00} plus increase a month for a {$30.00} a month tax increase? I told them Im fighting XXXX XXXX  for 2 years still 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. Please help XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I had some fraud on my account and money was taken I contacted my bank and they investigated it and gave me a permanent credit back on my account. I called my bank and told them I keep receiving calls from my bank Citi Bank asking me for my online username and password. I suspected that it was fraud so I called my bank and they said yes that's a fraud we would never call and ask for that information I was told by the callers that called me my account was blocked I received 4 fraud calls in one week. then money was taken out of my account unauthorized by me. after my bank investigated and determined I would receive a permanent credit back to my account. I never received a letter or an email or a phone call from Citibank in regards to my account being blocked by them I happened to log on to my online account and it was blocked all my money in my account my direct deposits go to that account and it said online to call them when I called they kept saying for security reasons we can't discuss it with you after verifying all my information they would not tell me anything finally I spoke to a fraud supervisor and he told me they are closing my account and I would receive a letter never received a letter and it will take 30 to 60 days for them to send me a check with my money. no warning no notice nothing that is money I worked hard for I have deposited it into their bank and there keeping my money for up to 60 days. this has caused me to have no food, my car insurance canceled and my water turned off I spoke to them about 10 times begging them to please give me my money now I need it to survive they told me I could go to a branch and have a branch give me my money all the branches in Fl are 4 to 5 hours away. I need my money to survivor

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 2023-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments.

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 2023-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I received a voicemail from a company called XXXX XXXX XXXX on XX/XX/XXXX XXXX The agent, XXXX XXXX, left the voicemail with the number ( XXXX ) XXXX, ext. XXXX. The number listed on my call list is ( XXXX ) XXXX. I called XXXX XXXX at the XXXX number and it was then I learned that this was a debt collection agency. XXXX XXXX then went through a verification process that included my number, my DOB, and my last known address. She also had the last four digits of my SSN, which immediately raised alarms. 

XXXX XXXX said that I owed {$1600.00} to XXXX XXXX XXXX for an XXXX XXXX on XX/XX/XXXX XXXX I have not received any communications from this association regarding a bill, nor have I received any notice from XXXX XXXX XXXX. XXXX XXXX said they sent a Notice on XX/XX/XXXX. I asked where. XXXX XXXX read an address that I no longer am associated with, and was only located at for one month. I told XXXX XXXX that I have to do some research and hung up. 

After some research, I realized that this debt involves the same attempt I reported to the CFPB, case no. XXXX, on XX/XX/XXXX XXXX I reported the same to the credit bureaus and resulted in the debt being removed, and XXXX XXXX XXXX, who had the debt, discharging the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation