vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I ordered some items from XXXX. Had an issue with delivery. XXXX kept telling me to wait for items to arrive. They didnt. I put in dispute for these items amount totaling XXXX. Apple found this in my favor and I received the credit for XXXX. While all of this was happening, I returned the other items to XXXX, totaling XXXX. XXXX. XXXX told me and sent proof that they refunded these items. Apple stated that during a dispute it could not be refunded. So now I am trying to dispute the XXXX. Due to both companies blaming the other. The transaction amount in total is XXXX. XXXX. 
I hold NONE of these items from XXXX and have returned and did not receive items. 
Apple for some reason reversed the amount of the case I originally won and wont reverse it. Without explanation. 
All I know is I am not financially responsible for this and this needs to be fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I got a copy of my consumer report and noticed theres a charge off on my report that Im unaware of. I asked the company to remove the debt because its not suppose to be there.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is a formal complaint, whit experian because my problem whit XXXX account was not properly investigated, since they charged collected for a service not provided

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had received a notification on my credit report that Capital One had made a Balance Update on XX/XX/2024. This card has seldomly been used since it was opened back in XXXX then called Capital One to ask why the balance had been updated as it has not been used in years, and is actually in the " restricted '' status. The first representative could not find the information requested so i asked to speak with a supervisor to get more detailed information. After speaking with a supervisor for about XXXX minutes, they still were unable to tell me why there was a balance update. I am not sure where else to go to receive help with this request, as they are telling me nothing else can be done and they do not know what the update was/ or for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed Experian multiple times with this alleged bankruptcy on my credit report. Experian has said that they used XXXX to certify the account but according to XXXX it is not on my report. Then I mailed the courthouse that was listed on my credit report and asked if they report to the credit reports, and they responded that DO NOT report to the credit reports. According to Experian on XX/XX/2024, Experian said that the " company '' that reported the information has certified to Experian that the information is accurate.

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 2024-03-31 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It was in the middle of covid and they Put me through a payment program where they will not charge me any interests. And they'll not put on my credit reports. Any late payments and I end up seeing late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding my credit card account. I have had a restriction put on my account for the second time. They are stating that they feel like this account was opened fraudulently. I already sent in documentation : drivers license, social security card, utility bills, and contacted them multiple times to confirm that I in fact did open this account and that is it valid. Then they said that the restriction was because of a payment for {$120.00}. So, they asked me to send in my bank statement and I did that. They also changed the address on my account without my knowledge or authorization and have been sending correspondences to my old address stating the same issue of them feeling that this account is fraudulent. Then they sent a letter stating that once they have received my bank statement proving ownership of the account they would remove the restriction. I confirmed with them that they received the requested documents but they are still unwilling to remove the restriction. They keep giving me the run around. They are very unprofessional and rude. They keep giving me different reasons why they cant remove the restriction. They have told me that they need 7-10 days to review and its been well over that amount of time. So, the account is just at a standstill. I cant use the account at all. Everything they have asked of me I have done and they are not doing their part. This is my credit and they don't care. They keep you on hold for long periods of time and then just hang up on you and put notes on the account that the customer disconnected the call. That is a lie. They are doing things how they want to and aren't following the proper protocol as they should be. They feel like since they are the credit card company they can do as they please. That's not right and its not fair. I have validated this account multiple times already. So it shouldnt be any question about this account at all. I am getting stressed out having to deal with them, and nothing is being done. I should be able to use my account, that I opened without any more hassle. But when you ask for the corporate number they tell you that they either don't have that information or cant give it out. I am sick and tired of going through this with them. I should not have to deal with this and my account should be fine because I have done everything they have asked of me to do. These creditors need to be held accountable for how they treat customers and its just not right for them to be able to get away with treating a customer this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: SC

Complaint narrative:
This company has been reporting on my consumer report for a while, I sent this company a cease and desist & they still refuse to stop all collection activities. I also did my due diligence and looked at XXXX and I saw that the company is not bonded or licensed in South Carolina to collect. So Im trying to figure out why this company is trying to collect from me. Can you please get this company to stop trying to collect from me because at this point its illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
As a rule of thumb I do not sign up for credit cards that charge an annual fee unless they offer significant benefits ( points or rewards ). I signed up for an Aspire card with no annual fee originally ( and no real benefits ). They just changed the terms and are now wanting to charge {$5.00} a month ( {$60.00} a year ). I understand they reserve the right to change their terms but this kind of change is dishonest in nature. I will close the card right away but wanted to report it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XXXX an XXXX with over XXXX XXXX asked me if she could take one of my pictures and paint it. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX her name on XXXX was XXXX XXXX. She told me she would pay me for my painting. She seemed pretty legit as she had her own small business and had painted many others before. I sent her my picture, and she sent me XXXX checks of XXXX and told me to send her XXXX from those XXXX checks, so in total XXXX. I asked why she didnt just send me XXXX, she insisted it was so I didnt think I was being scammed. Whole time I was being scammed, I sent her the XXXX and the XXXX, stayed in my bank for 3 days before I had a balance of XXXX. I had called my bank and they said the check I deposited was fraudulent and bounced. I tried to dispute the claim under fraudulent activity but my bank said they could do nothing about it. Now I am in debt and collections is forcing me to pay money I did not spend, instead money I was scammed out of. My bank is TD, they refuse to release me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NY

Complaint narrative:
On XX/XX/24, I was alerted there was an inquiry made through Capital One on my credit report. I called Capital Ones fraud prevention line, who confirmed there was a credit card application on file. I informed them that this is a fraudulent application. I was assured that this application would be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my der 15 USC 1681. federally protected consumer rights to privacy and confidentiality inger 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 ) ( a ) 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 no acurate delete the account below

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: NC

Complaint narrative:
On my discover credit card, late payments were reported and they are inaccurate for XXXX and XX/XX/2024. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Good day, I am contacting you to follow up on case XXXX. In the last quarter of 2023, I received a transfer to my new PNC account, which blocked me and froze the account. When I called customer service, I was told to go to the branch where they could verify my information and release my funds. I went to several branches before anyone could help me. In each agency, I was told that such verification was not possible, that I should simply call the customer service number who would do the verification directly with me over the phone. 

Finally, in the last branch I visited, after several days and trips all over town, two employees were able to help me. We called the back office and waited about two hours before we could speak to someone. This person asked the PNC agent to check and scan my ID, which he did, and then we were both told that my funds had been held for further investigation. I asked what the reason was and received no specific answer. 

I brought with me all the documents concerning my company and myself, the details of the transaction, the origin and the reason ; they told me it wasn't necessary. The result is that my account has been blocked since the end of XXXX and they did not say anything regarding the investigation. 

It's been over 6 months and it's having an impact on me, I'd like to be able to access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Over the past years, I have experienced significant financial hardship that severely impacted my ability to meet my financial obligations, including payments on my credit card account with Capital One. This hardship stemmed from loss of employment, medical expenses, and family emergencies. These unforeseen challenges resulted in a drastic reduction in my income and an inability to cover essential expenses, let alone meet my credit card payments on time. As a consequence, I regrettably fell behind on my credit card payments, leading to the accumulation of late payments on my account. Despite my best efforts to manage the situation, the financial strain proved overwhelming, and I found myself unable to rectify the delinquency within the usual timeframe.I understand the importance of fulfilling financial obligations and maintaining a positive credit history, but circumstances beyond my control significantly impeded my ability to do so during this challenging period. I am actively seeking solutions to address my financial situation and rectify the delinquency on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/year>, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease and desist notice on XX/XX/year> pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove 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 explanation
Consumer complaint received 2024-03-31 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: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove 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 2024-03-31 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: NC

Complaint narrative:
On XX/XX/2024, I sent notice to the following company requesting validation of an allege debt owed pursuant to 15 USC 1692g ( a ) XXXX and XXXX XXXX. They never responded. I followed up with a cease-and-desist notice on XX/XX/2024 pursuant to 15 USC 1692 ( c ) giving them thirty days to respond and still no notice. I never gave this company written or verbal consent to furnish anything to any reporting agency. This is affecting my reputation and my character. If this company can not provide any of the following, I have requested for them to remove it.

Company response to consumer: Closed with explanation