vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been charged $ XXXX+intrest charges for months by capital one, I returned all the merchandise have receipt proof and they are still not doing anything about it. I'm being charged for product I don't have!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, Transunion and XXXX. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

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 2021-08-11 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: TX

Complaint narrative:
I filed for bankruptcy in XXXX. Thereafter a creditor that was included in my bankruptcy sold my debt to a debt collection company. This of course being a violation of Federal law. I alerted the debt collection company, the original debtor and XXXX, XXXX  and Equifax. They investigated the claim simply updated the collection as being included in bankruptcy in XXXX but will not delete the illegal debt off my report. Despite the report stating included in bankruptcy in XXXX and the debt being reported in XX/XX/XXXX. I have tried and tried to point this out to XXXX  and they are either ignorant of the law or simply refusing to correct their error. Please intervene. I am trying to buy a home and this is destroying my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Santander Consumer USA Holdings Inc.
State: UT

Complaint narrative:
Chrysler Capital is reporting late notations for 2021. We have been going through some financial troubles for a while and Covid really sent us over the edge. We ended up getting really sick and have just been having a hard time getting back on our feet. I ask that Chrysler Capital please make a onetime good will adjustment and remove just the 2021 late notations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
During the height of the pandemic in XX/XX/2020, I was evicted in Arizona, this in violation of the rent and utility moratorium. The utility moratorium was in full effect, despite this, during XX/XX/2020 Arizona Public Service turned over for collection utilities owed ( despite them being in a place of moratorium ) to Diversified Adjustment Service, a debt collection company. This company is incorrectly purporting that I owe a debt. However, XXXX  never tried to reconcile this debt directly with me. Also, the utility was placed in moratorium at the time. Therefore they violated the order in place by the Governor. This needs to be removed from credit reporting agency and returned to XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
XX/XX/XXXX Dear Sir Mam : Went to my banking institution yesterday afternoon. Was told that after I had entered my bank and started my transaction at the counter that she said that I had to wear a certain type of attire. I was stunned as to there is no law or statutory law that has ever been in place that has any establishment bank or otherwise the right to tell us what to wear or how to dress. She continued harassing me even though I have been to my other locations numerous times and done my banking business in the usual manner. She refused to serve the customer even though I advised her that she is breaking the law. ( California Penal Code 538 ( d ) PC. Also the Non-discrimination Laws in the State of California Civil Code 51. ) There are more statutory laws in CA. Since I was harassed and threatened and refused service at a public place ; I left and said at the door that they are breaking the law and engaging in discrimination of a bank customer. I have also never seen a XXXX man or woman being told they can not enter because of their attire. I am seeking to have them fined according to civil rights violation, Federal Civil rights law ( Title 11, Section 2000 ) and want them notified/contacted and advised that these so called " mandates '', " requirements '' etc. etc. are NOT laws. Please render assistance as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Trans Union has always reported me as a credit risk. Regardless of how well I pay my bills or pay off my bills my scores with this company continue to be in the fair zone, costing me higher than normal interest rates. I attempted to address this matter with them but I was unable to get pass their automated system, there were no prompts that allow for a live operator or an email response. It almost seems when I report a problem to an attorney, government agency, etc, Transunion retaliates by lowering my score or adding old information to 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 2021-08-11 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Cc : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Subject : chase checking account fraud urgent escalation, {$2000.00} fraudulently disappeared via XXXX account Attn : Chase Executive Team I need urgent escalation in regards to missing {$2000.00} funds from my checking account that disappeared from my account to some weird XXXX  area code numbers in two transactions on same date. I been trying to seek help from Chase for two weeks without any luck, when I contacted XXXX  they said unable to assist I need to speak to my financial bank. I took preventive measures changed my chase password, removed XXXX account from my profile but it doesnt help me to recover stolen funds that hackers sent via XXXX to two unknown XXXX numbers with same individuals name but thats what law enforcement and your fraud department needs to work on. 

I need your fraud department to do better job with their investigation and cooperate with XXXX fraud dept figure out how it happened and to make sure funds recovered without delays. I been loyal chase customer for many years never had issues and always knew chase have my back. I am shocked to receive below letter instead of funds back to my account. 

Let me know if Chase escalation team can resolve this and make sure funds are recovered back to my checking account otherwise you leave me to no choice to contact Federal Consumer Protection Agency, NY State Banking Department to assist me to make sure this fraud is traced properly and my funds recovered complaint on record about Chase and XXXX handling consumer fraud investigation poorly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have a auto loan through Wells Fargo that started XX/XX/XXXX. As of XXXX of XXXX my payments stopped reporting to any credit reporting service I can find or XXXX can find. Also as of XXXX of XXXX I can no longer see an active or inactive auto loan with Wells Fargo.

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 2021-08-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent couple of letters to XXXX and Experian to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in Experian and XXXX. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On XX/XX/2021, Coinbase disabled my account with asset worth {$32000.00}. I could not login to my account, since that time I sent them more than 17 emails, and I did opened three complaint cases with them, but without any response accept the auto replay emails that stated they will look into it and return to me after 15-20 days, till now I did not get any response from them and I don't know what to do, this is my life saving money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Fake cash app number at the top of XXXX tricked m3 into clicking a link that he used to take all my money. XXXX on one account XXXX on another account these are close estimates of total amounts the real numbers are in the attachments He linked and disabled my notifications to my emails and my phone he removed and put his. 
Every deposit I made he used to purchase bitcoin. He spent my kids XXXX money my rent my car payment my wife 's car payment. He devastated my family. I contacted xash app when I noticed an issue on XX/XX/2020 he had been linked and stealing my money since XX/XX/2020. I contacted casb app. They proceeded to give me the runaround for months until XXXX they said to me if i would have told them within 90 days I would have gotten my money back I did message them within 90 days as u will see in my evidence. I contacted XXXX XXXX XXXX and cash app emailed me and said they would not talk to me only law enforcement so here I am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have capital one credit card. At the beginning of the pandemic I was laid off from my job and became homeless and lost my phone. During this time I fell behind on my credit card payments. I eventually regained my phone and a place to live. I spoke with capital one over the phone and explained my situation and what happened due to the pandemic. They explained what they could do with extending payments and forbearance and so forth. The agent advised me that if I could come up with a minimum payment of {$25.00} that capital one would remove the late payments from my credit report. I paid the money, however they have reneged on the agreement. I spoke with an agent yesterday and he expressed concern but said he couldn't do anything. He suggested I contact you guys. 

I wa a victim of circumstance during pandemic, I caught up the payments and haven't fell behind since. This isn't right, they lied to me and are impacting my credit score greatly. I am unable to buy home due to this. Please make them make it right. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-11 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft WFDS  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not 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 2021-08-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX CARD  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a free credit report on XX/XX/XXXX from XXXX, and I noticed that there were 5 delinquent accounts under my name opened by an unknown individual. Two of those delinquent accounts were with Capital One : Acct # XXXX with a balance of {$1200.00} as of XX/XX/XXXX and Acct # XXXX with a balance of {$10000.00} as of XX/XX/XXXX. 

I contacted XXXX in XX/XX/XXXX and I started the process of disputing those accounts. Consequently, I had to freeze my credit with all the Credit Bureaus. In addition, I made reports to the POLICE department in my city ( XXXX XXXX, FL ) and to the FEDERAL TRADE COMMISSION in XX/XX/XXXX. 

I found out on XX/XX/XXXX, that an impostor ( probably the same criminal who opened the delinquent accounts using my personal information ) changed my address with the DVM in FL and a driver 's license was sent to an address in XXXX, FL that doesn't belong to me in XXXX. I had to send to the Florida XXXX a DRIVER LICENSE/IDENTIFICATION CARD FRAUD INVESTIGATION REQUEST for them to fix my address on my driver 's license. On XX/XX/XXXX, I received a letter from the Florida DMV informing me that they had corrected my address to my legal and only address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

In regards with the delinquent accounts with Capital One that were opened by a criminal, I have spoken with numerous representatives since XX/XX/XXXX from their Fraud and Recovery Department to no avail. I have submitted to them numerous times via fax and emails the FTC report, the Police reports ( two of them ) and my XXXX XXXX bills from to prove I have been living at my current address for the last two years to no avail since XX/XX/XXXX. On XX/XX/XXXX, I was told by two supervisors from Capital One that their investigations in regards to the delinquent accounts opened by an impostor under my name were closed and that I was responsible for those balances on those accounts. 

I contacted the office of the Florida Attorney General XXXX XXXX recently and I received information from that office in regards to the steps I can take against Captial One to remedy this dilemma. And, that's the reason I am submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft COMENITYCB/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/ This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/ This is not mine. 

6. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the date ( s ) I Sent out letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11 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: FL

Complaint narrative:
I sent couple of letters to Transunion and XXXX to inform them that they are reporting fake information but I was ignored. I do not have these accounts in XXXX but only in XXXX and Transunion. So I hope it will work and my complain will be working because I do not want to have unknow accounts in my credit report. Thank you I am talking about these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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