vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On the XXXX of every month I receive my pension. On that same day, I pay all of my bills. Within days, most of my obligations are processed and cleared. The company/ bank Im having issues with is Comenity. Comenity covers XXXX XXXX, XXXX, XXXX and other companies. For example, the XXXX XXXX was sent out on the XXXX of XXXX, however has not been processed. Last month my XXXX XXXX and XXXX had not been processed ; concerned I called and their customer service advised if the checks had not been processed and cleared to place a stop payment. Further, the payments not received by the due date, I would be charged late fees. The customer service rep also blamed late payments are the fault of the United States Postal Service. I had problems with Comenity XXXX XXXX, paid off that account and closed it due to their slow processing, specifically processing payments after the due date, then charging the consumer late fees. I spoke to another customer service rep who admitted that she was in a meeting which addressed their internal problems of how to process payments faster. In the meantime, Comenity is unfairly charging late fees to customers based on their failure to process payments in a timely manner. Note, even if the payment is mailed on time, Comenity processes after the due date and charges the customer late fees .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I have contacted XXXX XXXX XXXX to confirm receipt of a balance transfer in the amount of {$4000.00} from my XXXX XXXX account # XXXX to my XXXX XXXX XXXX  credit card. The transfer was initiated on XX/XX/XXXX. XXXX claimed that the balance was not transferred and they put me through many hours of phone calls and requests to have this investigated. This entire time, my balance has reflected as {$4100.00} on my credit report. As of XX/XX/XXXX, my balance on my XXXX Statement has reflected {$0.00}, which confirms that the balance transfer posted, but they still at this point have not updated my credit report to reflect that my balance is {$0.00}. I attempted to get this corrected with the credit reporting agencies and only XXXX updated by credit profile based on the evidence I provided. XXXX and Equifax still has not updated my balance to the correct {$0.00} balance. On XX/XX/XXXX, I reached out to XXXX, XXXX via email and provided them with the evidence of the cleared check that XXXX XXXX XXXX  provided me. Note : per my request I requested for XXXXXXXX XXXX XXXX to conduct an investigation. XXXX XXXX XXXX said that they would update the credit report and it will take 45 - 60 days to reflect on the credit report. Per the evidence provided by XXXXXXXX XXXX XXXX the check cleared on XX/XX/XXXX. At this point the 45 - 60 day period has passed twice and my credit report for Equifax and XXXX still reflects that I have a balance of {$4100.00}. I only want the balance to reflect the correct balance of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Multiple deposits and withdrawals came from my account by the way of ATMs. I was not in the same state the deposits and withdrawals took place in. 

XXXX XXXX multiple deposits and withdrawals came from my account. I put in a fraud claim and they handled it and credit my account of {$2800.00}. XX/XX/XXXX the fraud people withdrew that credit of {$2800.00} leaving my account in the negative. 
XX/XX/XXXX a {$7800.00} check was deposited ( the bank agreed that was fraud, but {$8.00} worth of items were bought at a gas station that wasn't me. 
XX/XX/XXXX {$180.00} was withdrawal. 

In the documents attached you're going to see my whereabouts during all these transactions. Even an app called XXXX was tracking my movements for three days ( XXXX XXXX ) stating that I was in Florida. I have a XXXX delivery on XX/XX/XXXX and XX/XX/XXXX showing that I was home in Florida. I have grocery store runs ( XXXX XXXX XXXX ) during the dates of XX/XX/XXXX and XX/XX/XXXX being in Florida. I have video evidence of me going to a cafe on XX/XX/XXXX in Florida. I have XXXX XXXX on XX/XX/XXXX of me being in Florida all day. 

All of those transactions taken place in Georgia was not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
t is clear that I have no association with them and they are causing significant harm to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: NY

Complaint narrative:
Please take an action with this innacurrate accounts.

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 2023-05-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: CA

Complaint narrative:
Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all XXXX credit bureaus ( TransUnion, XXXX, XXXX ) Regards, XXXX XXXX XXXX XXXXFCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

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 2023-05-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Creditor : XXXX XXXX Amount : {$1000.00} Date Open : XX/XX/2018 I have filed a dispute using XXXX but noticed that the investigation was done incorrectly due to the account remaining on my credit report. I have submitted a FTC report explaining that this account was related to identify theft but it still remained on my credit report. This account is on all 3 credit bureaus ( XXXX, XXXX, Equifax ) Regards, XXXX XXXX XXXX XXXX*FCRA, Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: LA

Complaint narrative:
I've previously Disputed 6 inquiries on my EQUIFAX Consumer Files. 1 they seemed to have removed. 2 I called XXXX to have removed. 3 still remain even after multiple faxes, letters and Identity theft verification for Deletion. 

They are in violation of 18 USC 1028a 1681n 1601 1681b2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One will not let me access and send money through XXXX that is in my checking account. I had to call 8 separate times and each representative tells me a different answer. The funds are being flagged as suspicious. Ive called given all information and nothing is suspicious. However, they will not let me access my own money and send the money. I was told to wait 24 hours, lower the amount sent and other options. Nothing works or has resolved the issue. I need to send this money and it is in my account and no one will help me. Let me send MY Money through XXXX. Quit freezing my own account and figure out how to let people send this money not that it is automated and no one can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
my credit report as it is not mine and I did not authorize anyone to use it.

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was a Wells Fargo account holder and they were overcharging fees on my account.

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 2023-05-11 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
Received a letter from Experian XXXX XXXX XXXX Report # XXXX stating that Account # XXXXXXXX XXXX XXXX XXXX  was scheduled to remain on my report UNTIL XX/XX/XXXX, it's still shows on my 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 explanation
Consumer complaint received 2023-05-11 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: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received two mails at the end of last month : 1. XXXX- for more documentations for the XXXX XXXX  that I never applied for dated XX/XX/XXXX. 2. American Express for same reason as above dated XXXX 

I contacted XXXX to freeze so no one can apply for credit cards or loans under my name. However, XXXX had the account made under my name also around the same time as the fraud tried to apply for the credit cards. This person has all my information including all the verified questions that only I should know because this person was able to create account with XXXX. I was also told that this person tried to apply for credit cards or loan with XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. There were 4 hard inquiries so far that I have found but there could be more on the way as I could not lock or freeze XXXX account. XXXX had the worst call representative that all said different things to me to handle the situation when the account was made by the fraud person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to XXXX once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with XXXX even though I was the victim. XXXX is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.

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 2023-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells fargo sold my house even after I tried to get it modified and filed XXXX the day before it sold. They were supposed to resend the sale and never did. And to tip it off sold for {$100000.00} less than it was worth.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The credit reporting agency keep on reporting collections on my credit report that isnt correct From XXXX  account number XXXX it reads I have a collection of {$4800.00} past due as of XX/XX/3023./ I have a collection from TransUnion from XXXX XXXX XXXXXXXX that reads I/O a balance of {$3500.00} as of XX/XX/2023 It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). 

Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I bank with Chase and deposited over one-thousand dollars into one of their ATMs, but the machine malfunctioned and kept my cash but did not credit my account. I remained at the ATM as I called customer service. They opened a claim and said they'd be in touch when the investigationwas completed. I received an email this morning stating that they closed the investigationand determined that there were no issues with the ATM reported ; I was owed no money. When I called them about the response, they refused to investigate further. When I requested records on who, how, and when the research was conducted and completed, they said I would have to subpoenathat information. 
I was patient and understanding, considering that I'm not a wealthy man, and that was all the funds I had at the time. I went a few days without food, so I would have money for gas and wouldn't have to miss work. Now a multi-trillion dollar company, the fifth largest bank in the world, has taken XXXX dollars from me and refused to correct their mistake. I'm upset by this situation and the hardship and theircallous disregard for the unnecessary burden they've placed on my livelihood. 

They refuse to take additional action unless I have something that proves I was at the ATM, despite the fact that, their system shows me there. I asked them to Check the ATM camera to provide that I was there. They would see me inserting my card, selecting deposit, inserting the cash, and waiting. I stayed at the atm for about thirty minutes as I called to fill out the claim. I have tried to find an attorney that could help with subpoenas but so far consumer law practitioners are hard to find. 

If I expected there to be a problem, naturally I would have kept proof, but I never thought that this would happen. I can prove I received my paycheck that day, and cashed it at XXXX, I can prove I when straight from XXXX to the atm and reminded at that ATM until the claim was filed. I don't know what else to do. I need that money but Chase has made it clear they will not be investigating further. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief